One, is it reliable? As long as it is a regular insurance company's products, there are regulatory authorities to supervise, are credible. The terms of the product itself will not cheat, the reason why some people say cheat, that is to sell insurance salesman ability is not the same, the level of explanation is different, and that is the customer to buy their own insurance to solve what problem is not clear.
Two, is it necessary to buy? Because the level of medical care is getting higher and higher, medical equipment is getting more and more advanced, health insurance is not full coverage, everyone should have commercial critical illness insurance as a supplement. Moreover, it is subsidized and can supplement the loss of income.
Three, how is this product? The product is not good or bad, only suitable or not, it is important to consider the overall situation of your existing protection and income and family responsibilities.