What are the precautions for online health insurance?

Under the background of more and more serious health crisis, the incidence of modern people is getting higher and higher. At the same time, the medical expenses in today's society are getting higher and higher, and the health risks of family members often bring huge economic burden to families. Therefore, it is very necessary to make a good health insurance plan for every member of the family as soon as possible. With the development of Internet technology, online health insurance is increasingly favored by everyone. Huize.com reminds you that you should pay attention to choosing a suitable professional health insurance platform for online health insurance.

Basic points for attention in online health insurance

1, guarantee responsibility and exclusion responsibility. Different safeguard responsibilities and definitions determine their different rates. Before buying health medical insurance, you must read the terms of insurance products carefully, pay special attention to the provisions of exclusions, deductibles and exemption periods, understand your rights and obligations, and then make rational purchases according to your own health and economic situation.

2. The length of waiting time. Many health insurance products have a "waiting period". If the insured falls ill during the waiting period, the insurance company will not pay for it.

3. Guarantee renewal clause. That is, after the expiration of the last insurance period, the applicant applies for renewal of insurance, and the insurance company must continue to underwrite according to the original terms, and the rate cannot be adjusted according to personal risk.

4. Comply with the terms of truthful disclosure. When purchasing any insurance products, you should truthfully fill in your physical condition, past medical history and other matters that need to be informed. Health is an eternal topic, and health medical insurance is also one of the most basic types of insurance for people. When planning health care insurance for your family, in order to choose a more suitable product, you must first communicate with experienced professional insurers. Huize.com will provide you with professional health care insurance products and services suitable for you.

Sunshine Sincerity 128 Critical illness protection plan:

* You can choose up to 300,000 yuan for serious illness cancer protection * You can pay 300,000 yuan for insurance money immediately after your death * The value-added is even worse, and 54,400 yuan will be returned at maturity. The minimum monthly fee is: 14 1 yuan Happiness Hong Xiang Health Protection Plan:

* The maximum guarantee for serious illness cancer is 300,000 yuan * Extra payment for special serious illness for men and women 1.5 million yuan * The maximum return is 300,000 yuan. Minimum monthly expenditure 1.20 yuan.