1, targeted
When purchasing commercial health insurance, consumers must not blindly listen to others and buy impulsively. You should reasonably analyze your current actual situation and economic level, and be targeted according to your personal needs. Summarize the gap between your own health risks, how much insurance coverage you can choose according to your own economic ability, and pay attention to the practicality of insurance products.
Step 2 make plans early
As we all know, most of the commercial health insurance in China's insurance industry has certain insurance requirements, especially in terms of age. Usually, the age of commercial health insurance is between 60 days and 60 years old. Therefore, consumers should also plan ahead for themselves. At present, the disease rate tends to be younger. The sooner you buy commercial health insurance, the cheaper the premium and the more cost-effective it is on the whole.
3. tailor-made
When consumers buy health insurance, most of them will struggle to choose consumer health insurance or return health insurance. In fact, the two kinds of health insurance have their own advantages. Consumers can fully understand their characteristics and differences, and then tailor them according to their actual situation.
4. Combination and collocation
There are many ways to buy insurance at present. Consumers can choose in combination according to their actual needs, and add some additional types of insurance covering other types of insurance on the basis of the main insurance, so that their own protection will be more perfect and their ability to cope with risks will be stronger.
To sum up, when consumers buy popular commercial health insurance, they must pay attention to choosing insurance products according to their actual needs, and don't blindly pursue income and ignore the essence of insurance is protection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.