Different people have different needs when buying insurance. What is good for you is not necessarily good for others. Next, I will introduce how to choose the critical illness insurance that suits you.
1. How much am I going to spend on critical illness insurance?
As the most expensive insurance, critical illness insurance needs reasonable planning. Generally speaking, the total insurance cost should not exceed 10% of annual income.
2. What is the insured amount?
Buying insurance means buying insurance coverage, which is too low, and shifting risks. The allocation of critical illness insurance is at least 3-5 times of the annual income. It is generally recommended to start with 300,000 yuan, with 500,000 yuan as the standard, and the higher the budget, the better.
3. Don't buy returned critical illness insurance.
It is not recommended for ordinary working families to buy return, dividend and universal critical illness insurance. This kind of insurance has high premium, low income and general lack of protection.
4. It is not recommended for the elderly to buy critical illness insurance.
Old people have more or less physical problems, which are generally difficult to say through health. Even through health notification, the premium for the elderly to buy critical illness insurance is relatively expensive, which is prone to upside down, so it is not recommended for the elderly to buy critical illness insurance.
If you don't know how to buy critical illness insurance. Welcome to focus on insurance. We will take a professional, objective and neutral attitude, and tailor your insurance plan from 1 to 1, and never let you spend more money!