(1) critical illness insurance
Critical illness insurance is mainly used to treat major diseases. Suitable for men, women and children. The earlier you apply, the more cost-effective.
When choosing a product, you should pay attention to the following points:
1, light, moderate and severe illness protection should be complete.
It is not enough to have serious illness protection, and excellent serious illness insurance products also need to protect mild and moderate diseases. At the same time, we should also pay attention to whether we can protect as many mild and moderate diseases as possible, which can improve the probability of compensation. However, it is not better to ensure the number of serious diseases. The new regulations of critical illness insurance formulated by the state show that all critical illness insurance must have 28 kinds of serious diseases with extremely high incidence, so it can be said that all high-incidence diseases have been well protected. Therefore, there is little difference between protecting 100 diseases and protecting 80 diseases.
2. Choose adequate insurance coverage.
At present, the treatment of serious diseases generally needs about 300 thousand. If you want to use better drugs and experts, the treatment cost of more than 500 thousand can be guaranteed. Therefore, when purchasing critical illness insurance, consumers are advised to purchase at least 300,000 insurance coverage and at least meet the basic medical standards. If the budget is sufficient, the guarantee amount can be expanded. How much coverage should I choose to buy critical illness insurance? Look at 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
Critical illness insurance not only has the basic protection of the insured's death, exemption, etc., but also has extra points such as multiple compensation for cancer, which will be better and more sufficient. Specific suggestions related to critical illness insurance have been summarized, and essential dry goods are worth having:
"The new definition of critical illness insurance which is the strongest? Tell you in one article! 》
(2) Medical insurance
Medical insurance is generally considered as 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.
Medical insurance can guarantee hospitalization, special outpatient service, outpatient operation, emergency before and after hospitalization and so on. For example, for the million-dollar medical insurance with superior terms, the coverage of the terms must be as comprehensive as possible, because this is beneficial to consumers, which means that our reimbursement scope is wider and the more expenses can be reimbursed.
2. See renewal conditions.
When people buy medical insurance, products with relaxed or guaranteed renewal conditions are better choices. A good medical insurance usually won't refuse to renew the insurance or raise the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
For example, there are some practical value-added services, such as prepaid hospitalization fees, medical services, proton heavy ion reimbursement and so on. The more, the better. If you want to know more about the value-added services of medical insurance, please click below for more information:
Do you have any misunderstanding about the "value-added service" in medical insurance? Write it at the end.
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