The premium of health insurance is linked to many factors, such as age, physical health and so on. If a 30-year-old male is insured for the return critical illness insurance, for example, the annual premium will be at least 10000+.
Because it involves return, the premium will be more than twice as expensive as the pure consumption type of serious illness. It is recommended that you do not choose return health insurance.
In addition to higher premiums, refundable insurance has the following disadvantages:
I. critical illness insurance
The essence of critical illness insurance is "income loss insurance" and it is also a payment type. Once the insurance company directly pays for the serious illness, we can not only use this money to make up for the loss, but also use it for various expenses at home to temporarily relieve the family's economic pressure.
There are many critical illness insurance products on the market now. In order to reduce the chances of people stepping on the pit, I also selected several good products here for reference only: the inventory of critical illness insurance of the top ten insurance companies "worth buying"!
Second, medical insurance.
Because medical insurance also has shortcomings, we have to buy medical insurance as a supplement. Those with better economic conditions can consider millions of medical insurance, which is not only low in premium, but also high in insurance coverage and complete in protection. You can buy it for only a few hundred dollars. 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
However, there is a good saying that if you want to buy health insurance that suits you, you should pay more attention:
1. Pay attention to health notice
Insurance can only be insured through health notification. If we conceal our illness or fail to give health advice seriously, even if we are insured, the insurance company will not compensate us.
2. Pay attention to the length of waiting time
All health insurance products have a waiting period. If the insured suffers from the disease stipulated in the contract during the waiting period, it is usually impossible to get compensation from the insurance company. At present, the waiting period of most products on the market is 90- 180 days, and the critical illness insurance with a waiting period of 90 days is relatively good, so we should be more cautious about the waiting period.
In short, buying health insurance can reduce the economic impact of diseases. If the budget allows, it is wise to configure a health insurance for yourself as soon as possible.