Yes, critical illness and accident insurance is the first thing to consider.
Independent benefit insurance:
Independent benefit primary type of critical illness insurance includes the insurance responsibility of death and critical illness, and its responsibility is completely independent, and the two have independent sum insured. If the insured person suffers from a major illness the insurer pays the major illness benefit and the death benefit is zero.
The insurance contract is terminated and the death benefit is paid if the insured is not suffering from a major disease. This type of product is easier to price, only need to consider the incidence of major diseases and mortality. However, the description of major diseases is strictly required.
Expanded Information:
(1) Social Security only reimburses medical expenses caused by illnesses, and medical expenses caused by accidents are not reimbursed. The social security does not pay for accidental injuries and accidental medical liabilities that occur during non-work periods; no matter whether the accidental death or disease death, the social security does not have the death compensation, and after the death, it only returns the amount of the personal account at that time, which is very little.
(2) China's social security reimbursement or unit reimbursement is first of all a concept of first expenditure and then compensation, which means that even if it belongs to the scope of the benefits, you must first spend out how much to be reimbursed on the basis of how much to come back, and we will not reimburse more than the total amount of expenditure. Imported and nutritional drugs that are not on the list of public medical drugs are not reimbursable.
(3) The social healthcare fund is a "guarantee but not a guarantee" for healthcare insured people. The social security has a starting limit, and the expenses within the limit need to be paid out of pocket, and the out-of-pocket expenses for hospitalization expenses and medical treatment for major illnesses are relatively high.
Baidu Encyclopedia - Major Disease Insurance