Which is better, health insurance or critical illness insurance? What are the differences and how to choose?

Critical illness insurance, namely critical illness insurance, is a kind of health insurance, which refers to the commercial insurance conducted by insurance companies for specific major diseases, such as malignant tumor, myocardial infarction and cerebral hemorrhage. And when the insured suffers from the above diseases, the insurance company will give appropriate compensation for the medical expenses.

Health insurance includes sickness insurance, medical insurance, disability income loss insurance and nursing insurance. It is recommended to buy medical insurance plus critical illness insurance.

Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. The new definition of serious illness ranking is announced! The first place is it! 》

Buying critical illness insurance needs to be selected according to health requirements, insurance coverage, coverage, coverage period and exemption clauses.

1, health requirements: In case of abnormal health, it is best to choose insurance with loose health requirements in order to pass the underwriting.

2. Insurance coverage: according to the family's economic conditions and critical illness protection needs, considering the possible loss costs, choose the appropriate insurance coverage, usually at least 300,000 yuan.

3. Scope of protection: The more high-incidence and serious diseases are guaranteed, the better, and the more reasonable the grouping of multiple claims, the shorter the interval.

4. Guarantee period: Try to choose the insurance period that can cover the whole risk period and provide sufficient protection.

5. Exemption clauses: Read the insurance clauses carefully and pay special attention to the exemption clauses. The fewer exemption clauses, the better.

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