Common health insurance includes medical insurance and critical illness insurance. Most medical insurance on the market is a one-year product.
Critical illness insurance products are guaranteed for life, 10 years, 20 years, 60 years old, 70 years old, etc. As for how to choose, Xue Jie suggested that if parents with sufficient budget can choose lifelong critical illness insurance for their children, they can arrange long-term and stable protection for their children from the beginning; If parents are a little short of funds, they can arrange regular critical illness insurance for their children first, and then make adjustments according to their growth stage.
How to buy children's health insurance? Take critical illness insurance as an example. Generally speaking, the basic protection of a high-quality critical illness insurance should be comprehensive, including at least the protection of mild, moderate and severe diseases. In addition, excellent children's critical illness insurance will also provide a very humanized protection for children's special diseases, protect children from serious diseases that are prone to high incidence, and give children a more comprehensive protection.
Of course, senior sister suggested that parents should also consider the insured's exemption protection when configuring critical illness insurance for their children. Once the parents are unfortunate and meet the exemption criteria, the insurance company will waive the follow-up premium of the child's policy, and the protection is still valid. Want to buy critical illness insurance, don't know how to choose? The purchase strategies are all here: which is better for critical illness insurance, and how to buy it with high cost performance, and teach you to avoid these pits of insurance.
Finally, considering that children are the hope of the family, parents should try their best to treat their children once they have a serious illness, and the treatment of serious illness needs to last for a long time, during which high treatment and nursing expenses are a great burden. Therefore, the critical illness insurance must have sufficient coverage to give full play to its role.
Regarding the coverage of critical illness insurance, you can also refer to the expert's statement: How much is the coverage appropriate? Tell me the doorway inside.
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