A: Critical illness insurance in the market can be divided into regular repayment of principal and lifelong consumption. The insured amount is recommended to start at 654.38+ 10,000! Because the medical expenses for major diseases are now around 654.38+0.5 million-300,000! Critical illness insurance claims are very strict, so be careful when handling them!
When dealing with customers, we must pay attention to the following questions:
1. The customer decides whether to buy the main insurance or the additional insurance according to his own situation! Main insurance is relatively more affordable! Additional insurance consumption is cheaper!
2. The best type of disease protection for critical illness insurance is about 35, because the design of insurance products refers to medical data!
3. Children should pay attention to that most children's diseases are congenital and are not within the scope of compensation! Leukemia is the most serious disease in children!
4. At present, the most suitable age for handling critical illness insurance is after 18 years old (the earlier the better), and the high-risk age is 30-60 years old. It is recommended to ensure that the age is not less than 65 years old. If it is recommended to deal with the serious illness of principal repayment before the age of 45, it can be converted into a pension after retirement!
5. Pay attention to insurance liability: compensation amount, waiting period, etc. If you pay in advance, it will be more humane! You can withdraw some in advance when you are sick!