(1) critical illness insurance
Critical illness insurance is mainly used to treat people with diseases, and it is suitable for men, women and children, and the earlier you buy insurance premiums, the cheaper it is.
When choosing products for yourself, you must pay attention to:
1, light, moderate and severe illness protection should be complete.
An excellent serious illness insurance should not only cover serious illness, but also protect mild and moderate illness. The more types of high-risk diseases covered by mild and moderate diseases, the better, which is excellent for consumers. The number of serious diseases cannot be used as one of the main criteria. The newly implemented new regulations on critical illness insurance point out that all critical illness insurance should cover 28 high-risk critical illness. It can be said that high-risk diseases have been well protected. Because of this, whether it is 100 or 80 diseases covered by critical illness insurance, it is actually similar.
2. Choose adequate insurance coverage.
At present, it generally costs about 300,000 yuan to treat a serious illness. If you want to use better drugs and experts, you need to spend at least 500 thousand yuan. Therefore, when choosing critical illness insurance, it is best to take 300,000 as the minimum requirement, so as to reach the basic line of treatment. If economic conditions permit, the insured amount can be increased. How much critical illness insurance do you want to buy? You can poke this article to find out: "How much insurance should I buy? The mystery is inside.
3. It is best to have extra points such as multiple compensation for cancer
In addition to the basic protection such as death liability and exemption of the insured, critical illness insurance will be better and achieve more comprehensive protection. Detailed suggestions on critical illness insurance are all in this summary, all of which are treasures. Hurry to collect: "Ten New Definitions of the Most Worth Buying Critical Illness Insurance"
(2) Medical insurance
Medical insurance and medical insurance are complementary and the expenses can be reimbursed.
Pay attention to when purchasing medical insurance products:
1, pay attention to the safety content.
The basic coverage of medical insurance includes general hospitalization and serious illness hospitalization, special outpatient service, outpatient operation and emergency treatment before and after hospitalization. For a million-dollar medical insurance with excellent terms, the coverage of the terms must be as comprehensive as possible, so it also means that when we are out of danger, we can enjoy more reimbursement items and reimburse more expenses during the treatment.
2. See renewal conditions.
When handling medical insurance, it is recommended to choose products with relaxed renewal conditions or guaranteed renewal. In other words, an excellent medical insurance product will not directly refuse or renew insurance coverage because of the insured's poor health or claims.
3. Pay attention to value-added services
There are many practical value-added services, which usually include advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. If you don't know much about the value-added service of medical insurance, please poke below to find out: "Do you have any misunderstanding about the value-added service in medical insurance?"
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!