I personally think that million-dollar medical insurance and critical illness insurance are particularly important insurances, but they can be purchased according to circumstances and priorities.
First of all, the first situation is that if you do not have any financial pressure, have reached the point where you can be self-sufficient, and your life is relatively easy, it is recommended to buy both together, and young people buy critical illness insurance. It may only cost 3,000 to 5,000 yuan a year to cover serious illness of 200,000 or 300,000 yuan. However, if medical treatment costs one million yuan, the annual cost is only a few hundred yuan. Today, 2 million or 3 million yuan can be protected. In this way, You can ensure that you can work hard to make money without any worries.
If your life is relatively stressful and you are still in the early stage of life, it is still stressful to spend three to five thousand yuan a year. You may consider buying a million-dollar medical treatment first. After all, it only takes one year. A few hundred dollars can guarantee millions of medical reimbursements.
The difference between million-dollar medical care and serious illness is how much does million-dollar medical care cost? A deductible must be removed and the remaining part will be reimbursed, so no matter what, you still have to spend some money, but critical illness insurance is different. As long as he suffers from the diseases with the names specified in the contract, he will be covered. You will be compensated according to the insured amount. If you buy 200,000, the insured amount will be compensated 200,000. Even if the money you spend has not reached 200,000, it will be compensated 200,000. In other words, it has nothing to do with the money you spent. It is fixed. Compensated.