Critical illness insurance protection should be moderate.
According to recent statistics, the cost of treatment for major diseases ranges from 70,000 yuan to 80,000 yuan, and hundreds of thousands or even higher. Therefore, it is recommended to purchase critical illness insurance with a coverage of not less than 200,000 yuan. The guarantee function below 200,000 yuan is too weak, and online can be decided according to the economic situation. Of course, every three to five years, the insured can also open the policy and make some appropriate adjustments according to the changes in family members and income. You can choose local city insurance when you apply for insurance.
The longer the payment period of critical illness insurance, the better.
When insuring health insurance such as critical illness insurance, try to choose the payment method with long payment period. (1) Because of the long payment period, although the total payment may be slightly higher, each payment will be less, which will not bring too much burden to the family. In addition, due to interest and other factors, the actual cost may not be higher than the one-time payment method. (2) Because many insurance companies stipulate that if the payment of critical illness insurance benefits occurs during the payment period, the insurance contract will remain valid from the date of payment, and the insurance benefits in the subsequent period will be exempted. That is to say, if the insured suffers from serious illness in the second year of payment, and chooses to pay in 10, the actual premium is only one fifth; If it is paid in 20 years, only one tenth of the premium will be paid.