Below, by the school sister to give you a detailed analysis of these four types of insurance specifically what is the role.
If you want to know the background information of Great Wall Life in detail, you can take a look at the following article:
What is the strength of Great Wall Life? You'll never guess ......
1, critical illness insurance
Critical illness insurance, also known as loss of income insurance, which provides a relatively simple responsibility to protect, during the contract period, as long as the insured person suffers from the agreed diseases, and meet the terms of the claim criteria, the insurance company will pay a cash to the consumer's hands, which can effectively reduce the financial losses due to the occurrence of a serious illness.
But it is important to note that critical illness insurance is not limited to cover only critical illnesses, many products also include coverage for intermediate and minor illnesses, so if you want to choose, try to choose a product that provides comprehensive coverage.
For example, the following Versailles plus is very good, not only covers the heavy middle and light disease protection, and the maximum payout can reach 180% of the sum insured, interested in friends may wish to click in to understand:
Versailles plus heavy disease insurance heavy return, in-depth evaluation must be seen before buying!
2, medical insurance
Unlike critical illness insurance, medical insurance adopts the principle of "actual reimbursement" and there is no limitation of disease, as long as it is reasonable and necessary medical expenses, after deducting the deductible and the social security part, in most cases can be 100% reimbursement.
Medical insurance can be divided into high-end medical insurance, small medical insurance and million medical insurance, to say the most practical, undoubtedly is the million medical insurance, only a few hundred dollars a year premium, the reimbursement amount can reach millions of dollars, the price is very high.
3, annuity insurance
Annuity insurance belongs to a kind of life insurance, in order to the survival of the insured as a condition of payment of insurance benefits, until the agreed period, the insurance company will be in accordance with the contract agreed upon amount of payment of insurance.
Annuity insurance mainly solves the problem of planning for the future life, such as worrying about children's education, you can choose the education fund; and worry about the old age after the old man has nothing to rely on, you can choose the old age annuity insurance.
So, there are so many annuity insurance products on the market, as consumers how to choose? Don't worry, the school sister has organized a good cost-effective annuity insurance list, you can take a look:
Top ten annuity insurance ranking ▏Want to buy high-yield annuity insurance? Don't miss out on these 10!
4, accident insurance
Accident insurance, as the name suggests, is to protect against accidents, such as walking and falling, cat scratching and dog biting, bone fracture and so on belong to the scope of accident insurance. During the term of the contract, accident insurance can pay out a sum of money depending on the degree of disability or reimburse medical expenses incurred as a result of an accident.
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