1. Insurance coverage How old is this man?
The age range, type and scope of life insurance are different. Common types of insurance are: first, comprehensive accident insurance, from 28 days to 79 years old, with different rates for different age groups; Second, millions of medical insurance, 28 days to 60 years old, online insurance can reach 65 years old; Third, critical illness insurance, 28 days to 60 years old, different products. Fourth annuity insurance, 28 days to 75 years old.
Second, is the critical illness insurance for women more expensive than that for men?
For critical illness insurance products on the market, whether women will be more expensive than men depends on the relevant regulations of different insurance products. Some insurance companies' critical illness insurance products may not have much premium difference in this respect.
As for the reason why the premium of critical illness insurance is more expensive for women than for men, it is mainly because the probability of men suffering from critical illness is higher than that of women. Therefore, the insurance risk of male group is higher than that of female group.
In addition, according to statistics, the average life expectancy of men is lower than that of women, the proportion of men in family income is also higher, and the social pressure they bear is relatively greater, so it can be said that the probability of men overdrawing their physical strength is also greater.
What are the precautions for men to buy critical illness insurance?
1. When men apply for critical illness insurance, they should pay attention to whether the coverage of critical illness insurance products covers the specific critical illness of men. In addition, we should also pay attention to how many times these specific diseases are paid for the security products, including male specific serious diseases, and whether the proportion of the compensation amount accounts for the critical illness insurance amount.
2. Before insurance, we should also pay attention to whether the insured critical illness insurance products contain relevant exemption clauses. If there are products with exemption clauses, try to give priority.
3. Pay attention to the purchase time during the insurance process. If your financial conditions permit and your health is fine, the sooner you apply for critical illness insurance, the better. Because the premium of critical illness insurance products increases gradually with the age of the insured. The older you are when you are insured, the more premiums you need to pay.
4. Attention should also be paid to the coverage of major diseases in insurance contracts. When applying for insurance, we should try to choose products that protect common and high-risk diseases, so as to protect the risks we may encounter with greater probability during the protection period.
5. At the same time, don't blindly pursue more comprehensive protection, but also pay attention to the fact that the premium consumption must be within your own economic tolerance, and the premium planning should account for 10%- 15% of the total family income, but according to the actual situation.
6. Health notification before insurance needs attention. If there are unclear medical terms in the health notice, you can find the relevant customer service staff of the insurance company to understand. In the process of health notification, we must also ensure that we tell the truth and never take any chances.
7. The limitations of critical illness insurance also need attention. If your economic conditions permit, you can try to buy products that guarantee your life.