Before the lecture, senior sister prepared a list of insurance knowledge for everyone, and friends in need can poke this:
Super full! Everything you want to know about insurance is here.
1. Types of health insurance
The types of health insurance are mainly medical insurance and sickness insurance.
Medical insurance refers to insurance with agreed medical expenses as the payment condition, just like millions of medical insurance in the market. You need to know three things before you take out this kind of insurance, namely, the deductible, the proportion of compensation and the exemption clause; Especially deductibles, the deductibles of millions of medical insurance products generally mean that there are 65,438+00,000 deductibles for general medical care and zero deductibles for critical illness medical care.
Sickness insurance refers to the insurance that the insured is diagnosed with an agreed disease or reaches an agreed disease state as the payment condition, just like critical illness insurance. Critical illness insurance is divided into one-year critical illness insurance, long-term critical illness insurance (the guarantee time is at least 1 year) or lifelong critical illness insurance according to the different guarantee time.
This is the content of health insurance. If you have friends who want to know more about health insurance, you can poke this:
Is it necessary to buy health insurance? These routines must be paid attention to!
2. Precautions for insuring critical illness insurance
The insurance products corresponding to health insurance are very rich. Due to space reasons, senior sister took critical illness insurance as an example to tell you what problems should be paid attention to when insuring.
(1) Try to choose a complete critical illness insurance product. The three basic guarantees of light, medium and heavy are necessary. Without any of them, the guarantee is incomplete.
(2) When economic conditions permit, the coverage of critical illness insurance should be as high as possible to avoid insufficient coverage in the future.
At the end of the article, for the small partners who want to insure the critical illness insurance, the senior sister prepared a small gift for everyone:
Top ten popular critical illness insurance stocks worth buying!
Hope to adopt
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