Maybe some friends are still struggling to buy health insurance, so let's see what experts say: Is it necessary to buy health insurance? These routines must be paid attention to!
Then, let me tell you why we should give priority to critical illness insurance and medical insurance.
Because of the high incidence of serious illness and the high cost of serious illness treatment, it is more important to buy a critical illness insurance.
Critical illness insurance mainly covers major diseases. When the insured suffers from a serious illness for the first time and meets the claim conditions, he can pay the insurance money in one lump sum, so that the insured does not have to worry about the treatment costs for the time being.
When purchasing critical illness insurance, you should choose products with relatively perfect protection, such as whether the three basic protections of "mild illness, moderate illness and severe illness" are in place, whether to provide multiple compensation for high-incidence diseases, exemption of the insured and other practical protection.
Only when the product guarantee content is comprehensive for itself can it play a greater role at a critical moment.
Considering that some friends don't know what kind of critical illness insurance to buy, Senior Sister compiled a list of critical illness insurance products worth buying: Top Ten Hot Critical Illness Insurance Stocks Worth Buying!
In addition, medical insurance is an insurance that reimburses the treatment expenses caused by illness according to the contract. Although it is similar to medical insurance, the scope of reimbursement is wider and the proportion of reimbursement is higher than that of medical insurance, which can effectively make up for the shortage of medical insurance.
With medical insurance, the insured will have the opportunity to further reduce economic losses when he is hospitalized.
At present, the coverage period of most medical insurance is only 1 year. After 1 year, the insured needs to renew the insurance if he wants to continue to enjoy the insurance. If the product does not provide guarantee renewal, it will be more difficult to renew the insurance successfully when the insured's physical condition changes or claims occur.
However, if the product can be guaranteed to be renewed, the insurance company will continue to underwrite unconditionally.
Therefore, when you buy medical insurance, you should try to choose products that can guarantee renewal.
What are the more popular medical insurance in the market? After reading this article, you will know: the latest 10 million medical insurance rankings are freshly released!
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