How to buy family health insurance?

In terms of channels, family health insurance can be insured by contacting the salesman of the insurance company, or you can find the scheme experts of the regular insurance brokerage company (such as Duobao Fish, Huixuan, Shi Sheng Chuangfu, etc.) to configure the appropriate types of insurance according to the needs. In terms of insurance types, health insurance includes critical illness insurance, millions of medical insurance and other insurance types, but we have to buy an accident insurance in addition to critical illness insurance and millions of medical insurance. If you are not sure what kind of insurance you should buy, you can read this article first: There are so many types of insurance, which one should I buy first?

In addition, when we apply for insurance, we mainly look at whether the coverage is comprehensive and appropriate. Take critical illness insurance as an example. A good critical illness insurance should not only cover the 28 high-incidence and severe diseases stipulated by the CBRC, but also cover the mild/moderate diseases corresponding to high-incidence and severe diseases. The proportion of mild/moderate diseases should at least reach 30% and 60% of the basic guarantee, and it is best to have additional compensation for severe diseases and multiple compensation for malignant tumors. As for the million-dollar medical insurance, it is mainly to reimburse some expenses that are not reimbursed by social medical insurance. It depends not only on the content of protection, but also on the deductible. For accident insurance, it mainly depends on whether there is accidental medical care and sudden death protection. There are indeed many things to pay attention to when buying insurance, but don't worry, the seniors have sorted it out for everyone: what kind of insurance is good and how to buy it is cost-effective, and teach you to avoid these pits of insurance.

Finally, senior sister should remind everyone that when configuring health insurance for families, we'd better follow it? Adults first, children/old people later? In order to configure insurance. After all, adults are generally the breadwinners of families. First, the protection of the family pillar is complete, which is equivalent to giving an extra layer of protection to the children/elderly at home. Sister Xue has done several sets of family insurance configuration schemes before. You can have a look: 3 plans, complete family insurance.

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