Among them, for serious illness insurance, it usually covers serious illness, moderate illness and mild illness. And it belongs to payment insurance. If it meets the requirements, it will directly pay a sum of money, which can be used to make up for the loss of income, buy nutrition and pay off the mortgage. If you don't know what kind of critical illness insurance to choose, you can take a look at this list: the top ten hot critical illness insurance stocks worth buying!
Medical insurance, on the other hand, belongs to reimbursement insurance and follows the principle of "expense reimbursement". When hospitalization occurs and exceeds the agreed deductible, reasonable and necessary medical expenses can be reimbursed, and the price is not very expensive, usually several hundred yuan a year.
However, when choosing commercial health insurance, we should consider our own budget and demand, and the premium should not be too high, otherwise it will cause certain economic pressure.
In addition, when applying for commercial health insurance, we should carefully read the contents of the "Chu Health Notice" and follow the principle of "answering questions without asking". If there is any information related to health notification, you must tell it truthfully, and you can't hide it, otherwise it may affect the claim settlement in the future. Regarding health notification, you also need to master these skills: What are the tips for health notification when you are insured?
Hope to adopt!
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