For example, there is a fan who secretly believes that she wants to know the difference between cancer insurance and critical illness insurance. Which is better to buy?
Next, Senior Sister will explain cancer prevention insurance and critical illness insurance to everyone, and study what kind of people these two insurances are more suitable for.
Some friends know nothing about insurance, so this information can help you better understand insurance:
"Super complete! Everything you want to know about insurance is here.
1. What are cancer prevention insurance and critical illness insurance?
First of all, senior sister will explain to you the definitions of cancer prevention insurance and critical illness insurance.
& gt& gt Cancer insurance
In fact, cancer insurance is an insurance product for cancer. Cancer insurance is a kind of critical illness insurance suitable for the elderly, covering a small area. Cancer insurance only covers cancer.
The people who are suitable for cancer insurance are the elderly. First, these people are old, and second, they may have some minor physical problems, and these factors are often important factors for being refused insurance by critical illness insurance.
Although it is difficult for the elderly to buy critical illness insurance, they can flexibly choose cancer insurance as an alternative. Generally speaking, as soon as people enter old age, health problems are constantly emerging, serious diseases are more difficult to buy, and cancer insurance is more friendly.
The age of cancer insurance is still very loose, and it is no longer limited by this age. There is no doubt that it is very good for the elderly.
Health information has become the biggest obstacle for the elderly to buy insurance, while the health information of cancer insurance is relatively loose, so it is unlikely that the elderly will be rejected because of their past medical history.
In addition, the annual cancer insurance premium is not high, and cancer insurance is much cheaper than disease insurance. Therefore, the insured amount is very considerable and the cost performance is not low.
There are also many precautions for the purchase of cancer insurance. Poke here to find out:
What is cancer insurance, how to buy it, which is good, comprehensive analysis, comparative evaluation.
& gt& gt critical illness insurance
Compared with cancer insurance, critical illness insurance provides protection for a variety of serious diseases, and the scope of protection is expanded and more intimate.
Once a serious illness is diagnosed and the claim standard is met, the insurance company will pay in one lump sum according to the contract.
The critical illness insurance coverage is 500,000 yuan, and those who meet the requirements will pay 500,000 yuan directly.
The cost of treatment and medical treatment is not cheap, and the later rehabilitation also needs the help of medical equipment, which will cost a lot.
Critical illness insurance can help the insured solve the problem of medical expenses, reduce the economic burden during rehabilitation expenses, and then make up for the loss of economic income.
After the release of the new system of critical illness insurance, the critical illness insurance market has been completely changed, so the critical illness insurance products are mixed. How to choose the one that suits you best?
After all, how to choose cancer prevention insurance and critical illness insurance? Let's analyze it slowly.
Second, which one should I choose for cancer prevention insurance and critical illness insurance?
You certainly don't have to choose someone with a sufficient budget. It's best to buy both. For the group with insufficient budget, the advice given by the senior sister is to start with the critical illness insurance first.
If you are an older person, the senior is more supportive of buying cancer insurance.
First, the elderly have a higher probability of getting cancer, and anti-cancer insurance is aimed at cancer diseases, so anti-cancer insurance is more professional, comprehensive and practical.
Second, when the elderly buy critical illness insurance, they refuse to take insurance on the pretext of age and health. Even if you meet the right critical illness insurance, the premium may be upside down, and the insurance lever will not be reflected.
Moreover, the premium of cancer insurance is cheaper than that of critical illness insurance, which is a good choice for people with insufficient budget.
However, when buying cancer insurance and critical illness insurance, you need some suggestions to avoid detours when buying insurance:
What kind of insurance is better, how to buy it is cost-effective, and teach you to avoid the pit.
In short, from the perspective of coverage, the coverage of critical illness insurance is wider than that of cancer insurance. In terms of audience, it still varies from person to person, and what suits you is the best.
Write it at the end
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