Which is the priority, critical illness insurance or millions of medical insurance?

Critical illness insurance and medical insurance are two sides of a whole, and both are indispensable. Only by matching the two can the disease risk be completely covered. But if we must discuss the priority level, dad thinks that the priority level of "medical insurance" is higher than that of "critical illness insurance"

However, if the budget is sufficient, it is recommended to allocate it together, so as to play the greatest role of protection. Let's discuss it in detail.

First of all, for consumers with insufficient budget, it is recommended to buy medical insurance first, because medical insurance is generally cheaper and can provide more comprehensive medical protection.

If the budget is sufficient, then it is best to buy two kinds of insurance together, which can get more comprehensive disease protection.

Although medical insurance and critical illness insurance are both guaranteed diseases, they are configured together to obtain more comprehensive disease protection because of their different emphases and functions. The reason for this is the following：

(1) Suffering from serious illness not only costs huge medical expenses, but also subsequent rehabilitation expenses and reduced income during illness.

Medical insurance generally only reimburses patients' medical expenses, and subsequent rehabilitation expenses and living expenses are not covered by medical insurance.

Therefore, critical illness insurance can be used to provide yourself with rehabilitation and living security after disease treatment.

(2) Medical insurance can only provide short-term disease protection for consumers. Most medical insurance in the market is paid for one year, and many medical insurance renewals need to be reviewed.

That is, if the insured's physical health changes during the insurance period, it is likely to be refused by the insurance company.

It will cause consumers to be unable to obtain disease protection, and there will be an empty window period for disease protection.

Although most medical insurances in the market are guaranteed for one year and need to be reviewed and renewed, some medical insurances are guaranteed for several years, that is, there is no need to review and renew the insurance during the period of guarantee renewal.

If you buy critical illness insurance at the same time, even if you can't renew your insurance or buy medical insurance later, there is still critical illness insurance that can provide certain disease protection.

In a word, it is very important to love you with millions of medical insurance and critical illness insurance. As a guarantee insurance, it should be configured in time.