In fact, many people will ask why they want to buy health insurance. Let me tell you something about it.
I. critical illness insurance
The essence of critical illness insurance is "income loss insurance", which is a kind of direct compensation. If you are seriously ill, the insurance company will compensate you directly. This money can not only make up for the loss of income, but also be used for various expenses at home, temporarily alleviating the family's economic pressure.
There are many critical illness insurance products on the market now. In order to prevent everyone from stepping on the pit, I have also screened out several good products for your reference: the top ten insurance companies' "worth buying" hot critical illness insurance inventory!
Second, medical insurance.
Due to the limitations of medical insurance, we should buy medical insurance as a supplement. It is recommended to buy conditional million medical insurance, which is not only low in premium, but also high in insurance coverage and complete in protection. You can buy it for a few hundred dollars. If you don't know how to choose medical insurance. I'm ready: do you have any good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
But then again, if you want to buy health insurance that suits you, you should pay more attention:
1. Pay attention to health notice
Insurance can only be insured through health notification. If the illness is concealed or the health notification is not carried out seriously, the insurance company will not compensate even if it is out of danger.
2. Pay attention to the length of waiting time
All health insurance products have a waiting period. If the insured suffers from the diseases stipulated in the contract during the waiting period, the general insurance company will refuse to pay compensation. At present, the waiting period of most products on the market is 90- 180 days, and the critical illness insurance with a waiting period of 90 days is generally better, so pay more attention to the waiting period.
To sum up, buying health insurance can reduce the economic impact of diseases. If economic conditions permit, it is a wise choice to configure a health insurance for yourself as soon as possible.