1. Be honest and tell the truth.
Consumers should not conceal or lie about any important facts, such as health status and age, when taking out insurance. If it affects the insurance company's agreement to underwrite or raise the insurance premium rate, it shall fulfill the obligation of telling the truth.
2. Read the terms clearly to prevent disputes.
Many insurance claims disputes are caused by the insured not knowing the insurance clauses at first. Critical illness insurance is a life-and-death disease, that is to say, a serious illness, not a mild or moderate disease.
3. Keep the certificate and the materials.
All insurance-related documents, such as insurance applications, insurance policies and tickets related to diseases (such as certificates, medical records, invoices, etc.). ), should be properly kept, so as not to delay the claim application due to incomplete information.
4. Pay attention to collocation and purchase in combination.
After all, the coverage of critical illness insurance of a single type of insurance is limited, so it is best to choose the best insurance combination according to your actual situation and economic level. The specific combination scheme can be designed by relevant insurance professionals.
To sum up, consumers should pay attention to the above four points when purchasing critical illness insurance. Before buying, they should plan rationally, consider various factors and choose the product that suits them best. Within the important scope of insurance clauses, we should not take it lightly and be careless.