For example, a fan asked me privately, what is the difference between long-term medical insurance and critical illness insurance?
It seems that there are still many small white ones. Senior sisters must tell them clearly today, what is the difference between long-term medical insurance and critical illness insurance!
Because there will be more professional terms in the following articles, you can look at the basic insurance knowledge first, so that you can have a better understanding of the following articles:
Before buying insurance, you must first understand these key knowledge points! 》
1. What's the difference between long-term medical care and critical illness insurance?
Because health insurance includes long-term medical insurance and critical illness insurance, and because of the long guarantee time, it is often confused by consumers who are insured for the first time. In fact, these two kinds of insurance are totally different!
(1) Long-term medical insurance
The essential difference between long-term medical insurance and medical insurance lies in the guarantee time. The guarantee time of long-term medical insurance is also very long, usually ranging from 6 to 20 years, but it has not changed in essence. If the medical expenses are within a reasonable range, they can be reimbursed at any cost.
If you are hospitalized due to illness, the medical expenses can be solved through medical insurance, because millions of medical expenses, its 1 10,000 yuan deductible need to be borne by yourself, and other medical expenses can be reimbursed, which is the purpose of medical insurance. However, medical insurance also has disadvantages, just a medical expense.
For example, medical insurance will not care about some income losses caused by not going to work due to illness, and the nutrition expenses and nursing expenses that everyone needs to spend when recovering, because they are not medical expenses.
At present, many medical insurances do not include the function of paying in advance, so you have to spend money first and then go to the insurance company for reimbursement. So if you have a serious illness, the hospital deposit will be a lot of money. If we can't pay the deposit, we may have to stop the treatment.
Medical insurance only pays attention to medical expenses, pays the expenses first, and then reimburses the reasonable medical expenses within the scope according to the regulations. Other expenses can only be borne by themselves.
(2) critical illness insurance
Critical illness insurance is an insurance that can be paid in advance if the diseases stipulated in the contract are detected, and there is no restriction on the use of insurance money. You can spend this money at will, and you can reimburse the family economic problems caused by the diagnosis of serious illness, which is also a problem that medical insurance can't handle ~ Critical illness insurance is also called income compensation insurance!
From this we can see the difference between long-term medical insurance and critical illness insurance. Although both of them are long-term insurance, critical illness insurance belongs to life insurance, and there are also differences in payment forms and payment conditions, and their functions are different. In essence, these two kinds of insurance are complementary.
Second, what should I pay attention to when choosing long-term medical insurance and critical illness insurance?
Because long-term medical insurance and critical illness insurance can protect many diseases and income loss, they are complementary. What should I pay attention to when choosing a configuration? How can I quickly choose the one that suits me?
(1) Long-term medical insurance We should pay attention to the renewal conditions.
As mentioned above, the guarantee period of long-term medical insurance is generally 6-20 years, which is not short, and can be selected according to individual needs. Among them, you should remind everyone that we should pay attention to the premise of insurance renewal. Some insurance renewals have a review process. If the insured cannot renew the insurance, the next contract may not be signed smoothly, and some products will not need to be reviewed and renewed next year. Simply put, as long as the product is still on sale, it can be renewed.
(2) Pay attention to the payment ratio of critical illness insurance.
There are many kinds of critical illness insurance in the market, so their competition is still fierce, and consumers can also get a lot of benefits from it. The biggest advantage is that the proportion of compensation for critical illness insurance has been rising. Many insurance companies' products have already supported the extra payment ratio of 50%-80% before the age of 60, which still has many advantages for the protection of early life. However, at this time, there are also many products, and there is still only basic full coverage.
In order to make you remember it more firmly, senior sister will take the following product as an example, and we will use this as a template to distinguish it!
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Summary:
Long-term medical insurance and critical illness insurance are very useful types of insurance. As long as it is properly matched, it can contribute to our health protection. And all kinds of blind spots and defects need to be identified by ourselves in order to prevent lightning.
It is not only critical illness insurance, long-term medical insurance, but also other accident insurance and life insurance. There will be many blind spots in knowledge and limited space. Friends who want to continue to increase their knowledge can take a look at the following comprehensive popular science article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
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