Compared with the traditional critical illness insurance, it not only provides more generous coverage, but also provides longer-term protection, which can meet the actual needs of the insured. Its terms clearly stipulate the insurance liability, waiting period, deductible and insurance payment method. When the insured chooses the incremental insurance of Health Fuxing, he should comprehensively consider his age, gender, occupation, insurance amount, guarantee period and other factors to determine the appropriate premium.