(1) critical illness insurance
Buying critical illness insurance can prevent serious illness and there is no money for treatment. Suitable for children, teenagers and middle-aged people. The sooner you insure, the more cost-effective.
Attention should be paid to when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
An excellent serious illness insurance should not only cover serious illness, but also protect mild and moderate illness. The protection of mild and moderate diseases should include as many high-incidence diseases as possible, which is excellent for consumers. However, whether the product is good or not can't just focus on the number of diseases. The new regulations on critical illness promulgated by the state stipulate that any critical illness insurance must cover 28 kinds of high-risk critical illness, which means that most of the high-risk critical illness in Jedi are covered, so whether it is 100 or 80, there is not much difference in the types of critical illness insurance.
2. Choose adequate insurance coverage.
At present, the cost of treating serious diseases mostly fluctuates around 300,000. If you want to use better drugs and experts, the treatment cost of more than 500 thousand yuan can be guaranteed. Therefore, before taking out insurance, it is recommended to buy at least 300,000 insurance coverage, so as to reach the basic treatment line. If the budget is sufficient, the insured amount can be increased in the future. How much protection should I choose to buy critical illness insurance? If you want to know more, you can read this article: "What is the best insurance coverage to buy? Learning is all here. "
3. It is best to have extra points such as multiple compensation for cancer
A critical illness insurance not only provides basic protection for the insured's death and exemption, but also has the advantage of multiple compensation for cancer, making the protection more comprehensive. Suggestions on more adequate critical illness insurance are summarized. Essential dry goods are worth having: "The new definition of critical illness insurance that is most worth buying is actually these ten models! 》
(2) Medical insurance
As a supplementary medical insurance, medical insurance has the attribute of reimbursement.
Attention should be paid to when choosing:
1, pay attention to the safety content.
Medical insurance basically covers a wide range, including general hospitalization and serious illness hospitalization, special outpatient service, outpatient surgery and emergency treatment before and after hospitalization. For a million-dollar medical insurance with excellent terms, the richer the coverage, the better, because the increase in coverage means that we can enjoy more reimbursement items and reimburse more medical expenses.
2. See renewal conditions.
When choosing medical insurance, it is recommended to choose products with relaxed renewal conditions or guaranteed renewal. An excellent medical insurance product will not refuse insurance or raise the premium because the insured is in poor health or claims are affected.
3. Pay attention to value-added services
Some value-added services are still very practical, usually including prepaid hospitalization expenses, green links for medical treatment, proton heavy ion reimbursement and so on. Of course, the more the better. If you want to know more about the value-added services of medical insurance, you must read the following article: "Super Full! Knowledge list of "value-added services" in medical insurance.
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