I. critical illness insurance
The essence of critical illness insurance is "income loss insurance", which is a kind of direct compensation. In case of serious illness, the insurance company will compensate 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.
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Second, medical insurance.
Due to the limitations of medical insurance, we have to buy medical insurance as a supplement. If funds permit, you can buy millions of medical insurance with low premium, high insurance coverage and complete protection. Usually a few hundred dollars can be done. If you don't know how to choose this kind of medical insurance. Here is a dry food for you: do you have any good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
But then again, we want to buy health insurance that meets our own needs, and we can't be careless:
1. Pay attention to health notice
We can only apply for insurance through health notification, which is perfunctory or can conceal the illness, although the insurance company will not compensate for the insurance.
2. Pay attention to the length of waiting time
All health insurance products have a waiting period. Assuming that the insured suffers from the disease stipulated in the contract during the waiting period, the insurance company will generally not pay. At present, the waiting period of most products on the market is 90- 180 days, and the critical illness insurance with good reputation is generally 90 days, so be more cautious about the waiting period.
Anyway, 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.