Critical illness insurance can not only reduce the family burden when problems arise, but also be the second guarantee for children. There are also many types of critical illness insurance, and you should choose it by comparing risks when buying it. The less risk, the better.
Regarding the critical illness insurance for children, children are small and relatively cheap. The older you get, the higher the risk and the greater the age limit. Various childhood diseases, especially malignant tumors, and children's health problems are becoming more and more serious. Therefore, it is more and more important to buy baby critical illness insurance.
Pay attention to the following three points when choosing products, which basically meet the needs of basic insurance.
The wider the coverage, the better: when choosing critical illness insurance, the most important thing is whether the investigation clause covers common diseases.
Based on the insured amount of 65,438+10,000 to 200,000 yuan, the key to correctly purchasing critical illness insurance is to understand the medical expenses after major diseases at present. According to recent statistics, the cost of treatment for major diseases ranges from 654.38+10,000 yuan to 200,000 yuan.
It is best to pay the premium every year: paying less each time will not bring too much burden to the family. In addition, many insurance companies have provisions on premium exemption. If the critical illness insurance occurs during the payment period, the insurance contract will remain valid after the premium exemption from the date of payment.