Health insurance is generally divided into two types, one is the product for reimbursement of medical expenses, and the other is the product for payment. Critical illness insurance is a payment product. If you buy products from different companies, each company should pay at the same time after the accident. Commercial medical insurance, which belongs to the reimbursement type of health insurance, is mainly divided into accident medical insurance, disease medical insurance and hospitalization allowance insurance, among which disease medical insurance is further divided into hospitalization and outpatient service.
When choosing an education fund, it is necessary to pay attention to whether the investment income is considered. If you are very concerned about the return on investment, it is recommended not to be an education fund for junior and senior high schools. The return is very limited, and the tuition at this stage can be covered by daily cash flow. In addition, we should pay attention to the exemption clause in the education fund. Some products have exemption clauses. In case of parents' accidents, future premiums can be exempted.