Each insurance company's products have their own advantages, mainly depends on what type of critical illness insurance you want to choose, there are consumer type pay 1 year to insure 1 year; or lifelong protection type of critical illness insurance, as long as the payment of a period of time you can get long-term protection. The former premium is cheap and the coverage is basic; the latter premium is more expensive, but the coverage you get is more comprehensive.
Mere research on products or insurance companies is actually meaningless.
The starting point for customers to consider is the present, but insurance, is bought for the future, so some issues need to be considered in the abstract and long term.
It is a misconception that different types of insurance are not comparable.
Customers mainly consider their own needs, this is very important, the mass type of insurance consumption, seems to be right, in fact, itself is a mistake.
Insurance itself, is the future risk avoidance and future life expectations, really belongs to the mode of private customization, clear their own needs rather than blindly follow the crowd, it is really important to avoid a lot of misunderstandings.
To understand the product form, rather than simply listing this information, different product models have their own characteristics, the product does not matter good or bad, because it is consistent for all customers.
The main thing is how the product is planned, is the customer's future benefits can be relatively optimal, is a key.
Insurance products, in addition to the product itself, customers also need to consider the agent integrity, professional factors.
Critical illness insurance, or critical illness insurance, refers to the insurance company to specific major diseases, such as malignant tumors, acute myocardial infarction, after-effects of stroke, etc., as a protection item, when the insured person suffers from the above diseases, by the insurance company to give a fixed payment for the medical expenses spent on the commercial insurance behavior.
Insurance (insurance or abbreviated as insur), the original meaning is stable and reliable protection; later extended into a protection mechanism, is used to plan the life of a financial tool, is the basic means of risk management in the market economy, is the financial system and the social security system is an important pillar.
References:
Critical Illness Insurance_Baidu Encyclopedia, Insurance_Baidu Encyclopedia