(1) critical illness insurance
Buying critical illness insurance can prevent serious illness and there is no money for treatment. Suitable for children, teenagers and middle-aged people. Friends who need critical illness insurance should take out insurance as soon as possible.
Attention should be paid to when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
As an excellent critical illness insurance product, we should protect mild and moderate diseases in addition to critical illness. In addition, the protection of mild and moderate diseases should cover as many high-risk diseases as possible, and the wider the coverage, the higher the probability of claims. However, the number of serious diseases cannot be an important criterion to judge whether a product is good or not. The newly implemented new regulations on critical illness insurance indicate that all critical illness insurance should cover 28 kinds of high-risk critical illness, in other words, critical illness insurance has been better improved, so whether it is 100 or 80, there is not much difference in the types of critical illness insurance.
2. Choose adequate insurance coverage.
At present, the cost of treating serious diseases mostly fluctuates around 300,000. If you want to have imported drugs and famous experts to help you treat, the treatment cost of more than 500 thousand yuan can be guaranteed. Therefore, before the insurance, it is recommended to take the insurance amount of 300,000 as the base, and at least meet the basic medical standards. If the economic situation permits, the insured amount can be increased. How much protection do you choose to buy critical illness insurance? Please refer to this article:
What is the best amount of insurance to buy? Learning is all here. "
3. It is best to have extra points such as multiple compensation for cancer
In addition to the basic protection of the insured's death liability and exemption, critical illness insurance also has the advantage of multiple compensation for cancer, and the protection will be more comprehensive. More detailed suggestions on critical illness insurance are all in this summary. If your mind is full of dry goods, get it at once:
The most worthwhile new definition of critical illness insurance is actually these ten models! 》
(2) Medical insurance
Medical insurance is mainly a supplement to medical insurance and has the nature of reimbursement.
Attention should be paid to when choosing:
1, pay attention to the safety content.
General hospitalization, serious illness hospitalization, special outpatient service, outpatient surgery, and emergency treatment before and after hospitalization are all included in the basic scope of medical insurance. For example, the millions of medical insurance with superior terms, the more comprehensive the protection, the better, so it also means that when we are out of danger, we enjoy more reimbursement items and more medical expenses.
2. See renewal conditions.
When purchasing medical insurance, it is recommended to choose products with friendly renewal conditions or guaranteed renewal. Excellent medical insurance will not refuse to renew or raise the premium because the insured is in poor health or claims.
3. Pay attention to value-added services
There are some real value-added services, which generally cover the advance payment of hospitalization expenses, green links for medical treatment, proton heavy ion reimbursement and so on. If you don't know enough about value-added medical insurance services, you must read the following article:
You must understand the "value-added services" in medical insurance! "Write at the end.
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