This should be chosen according to your actual situation. The basic function of insurance is protection. It is suggested to improve the most basic guarantee first, and then consider the dividend management.
As for how to insure your own health insurance? I have some suggestions here:
1. Choose an insurance company with sound financial position and strong strength.
2. Know clearly the serious illness that can be compensated. Only if you suffer from a serious illness as stipulated in the contract can you get the compensation as stipulated in the contract.
3. Pay attention to the guarantee liability and exclusion liability stipulated in the insurance contract.
4. When applying for critical illness insurance, pay attention to the fact that the insurance company truthfully informs the medical history.
5. 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.
Good wishes!