If you are still struggling with your other half, here is an article, which Senior Sister hopes you can read carefully!
Before the lecture begins, Senior Sister will introduce some insurance knowledge to you so that we can read the following:
"Super complete! Everything you want to know about insurance is here.
First, the definition analysis of accident insurance and critical illness insurance!
With regard to the definitions of accident insurance and critical illness insurance, Senior Sister arranges them as follows:
1, accident insurance
Accident insurance, as its name implies, is to protect personal injury caused by external, sudden, unintentional and non-disease events.
From cats catching dogs to fractures or car accidents, they are all covered by accident insurance.
Accident insurance is a kind of insurance with high leverage and low threshold. Sister Xue recommends everyone to buy it.
Moreover, the protection responsibility of accident insurance is actually not difficult at all, covering accidental death or total disability, accidental disability and accidental medical treatment.
Among them, accidental death or total disability is generally a one-time payment of all or part of the insured amount;
Accidental medical treatment can be applied to outpatient and emergency treatment and hospitalization claims. This is called expense reimbursement form, which means how much expense is reimbursed!
However, the better critical illness insurance on the market has its own special protection, similar to the sudden death protection, and the extra compensation for specific festivals or specific public transport.
For example, this Ping An Adult Accident Insurance 2020 evaluated by Senior Sister a few days ago:
Is Ping An Adult Accident Insurance 2020 cost-effective? That's what insurance experts say! 》
2. critical illness insurance
Critical illness insurance can protect serious illness, and if the insured suffers from the disease in the contract terms, he can get a sum of money to pay.
The essence of critical illness insurance is income loss insurance, and its function is to solve the huge treatment expenses, rehabilitation expenses and income loss caused by the insured's serious illness.
According to official data, there is a 72% high probability of suffering from serious illness in one's life!
If you encounter a serious illness, the cost of treatment is very high. Regarding the treatment cost of high-incidence and serious diseases, the senior sister has sorted it out below. You can have a look:
However, there are many critical illness insurance products on the market. If you want to choose a high-quality critical illness insurance, you need to pay attention to the following four points: coverage, payment period, coverage period and coverage content.
At present, in general cities, the average cost of treating serious diseases by Chinese medicine is about 300,000 yuan.
If it is in a first-tier city, the cost will be more and the risk of income loss will increase. In terms of insurance amount, senior sister still suggests that everyone should have at least 500 thousand.
The best payment period is 30 years, which can trigger the exemption clause well.
In addition, the choice of critical illness insurance coverage period is also very important. If the budget is not much, consider regular serious illness first, and it is best to protect people over 70 years old; The economy in this area is abundant, and you can choose lifelong critical illness insurance.
If we want to talk about the content of protection, we also need three basic guarantees about serious diseases and moderate/light diseases. In addition, everyone should pay attention to the coverage of serious illness and moderate/mild illness. Whether the coverage is wide and whether the high-incidence diseases are covered is very important.
In terms of optional liability, we should pay attention to whether to attach death protection, whether to attach secondary compensation for serious malignant tumors and secondary compensation for specific cardiovascular and cerebrovascular diseases.
Second, buy accident insurance or critical illness insurance first?
From the above, I believe everyone has a basic understanding of accident insurance and critical illness insurance.
Then answer a question! Which should I buy first, critical illness insurance or accident insurance?
Obviously, different people have different answers, and different people have great differences in subject and protection content.
In fact, accident insurance and critical illness insurance belong to a kind of personal insurance, but the role of critical illness insurance is to protect major diseases, and the purpose of accident insurance is to protect non-disease accidents. If a friend has a relatively adequate budget, then both critical illness insurance and accident insurance need to be bought, both of which are products that must be bought.
However, if you have a small partner who needs critical illness insurance, it is recommended to choose critical illness insurance.
But my senior sister's advice to you here is that taking out critical illness insurance will depend on your age and physical health.
If you give insurance to the elderly, you must give priority to accident insurance.
If you choose critical illness insurance, even if the age is within the insurance scope, then the actual protection leverage and insurance amount are extremely small and uneconomical.
If it is a young and middle-aged group, it will face great work and life pressure. Senior sister still suggests that you configure a critical illness insurance to prevent health problems.
If you are a high-risk occupational group, buy accident insurance first.
Through the analysis, it can be concluded that the order of critical illness insurance and accident insurance is different according to the needs of different groups of people.
However, in the case of sufficient budget, the best way is to configure accident insurance and critical illness insurance at the same time.
Finally, if you have friends who are going to buy critical illness insurance recently, the following points are very helpful:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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