There are many kinds of health insurance, such as medical insurance, sickness insurance and nursing insurance. More practical, the types of insurance that people buy more are critical illness insurance and millions of medical insurance. Next, the seniors will explain how to choose the appropriate critical illness insurance and million medical insurance:
1, critical illness insurance
Critical illness insurance mainly provides protection for major diseases. After the critical illness insurance is insured, if the insured is diagnosed with the diseases agreed in the contract within the guarantee period and meets the conditions for claim settlement, the insurance company will pay the corresponding insurance money in one lump sum, which can be used to pay medical expenses and make up for the income loss of the insured when he is sick.
When purchasing critical illness insurance, we should choose products that can cover serious diseases, moderate diseases and light diseases to ensure more comprehensive protection;
The insured amount is at least 300,000 yuan, which is enough to cope with the economic problems caused by the disease;
If the budget is sufficient, priority can be given to lifelong critical illness insurance. If the budget is small, you can choose to save it for a fixed period, but it is best to cover the important time in your life, such as saving it until you are 70 years old.
If the economic budget is insufficient, choose a longer payment period and share it equally, and the annual payment amount will be less, alleviating the pressure of payment. Senior sister has found several critical illness insurances with high cost performance. You can choose the right products directly from them:
Top ten popular critical illness insurance stocks worth buying!
2. Millions of medical insurance
Millions of medical insurance can reimburse the insured for a large amount of reasonable medical expenses incurred during his illness and hospitalization, and the amount of protection for general products is as high as one million.
Since millions of medical insurance are basically one-year products, it is best to choose products that can guarantee renewal, such as ensuring renewal for 20 years, and the guarantee will be relatively stable; Choose products with high reimbursement rate, such as products that reimburse 100% medical expenses after social security settlement; It is best to choose the kind that is not limited to social security coverage. Then I'll send you a list of millions of medical insurance, and you can choose whether there are any suitable products: the latest top ten million medical insurance rankings are freshly released!
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search.