Some friends may feel that they don't quite understand: What is the function of consumer critical illness insurance? Is it worth buying? How to buy it?
Now the senior sister will give you a detailed science popularization!
Small partners who are not particularly familiar with critical illness insurance can take a look at this article first and briefly understand the relevant protection of critical illness insurance:
What diseases does critical illness insurance cover? Don't buy these if you don't understand! 》
I. What is Consumer Critical Illness Insurance -3 What is Consumer Critical Illness Insurance -4
Consumer critical illness insurance is actually a kind of critical illness insurance that does not guarantee the responsibility of death, that is, it can only protect serious illness and mild and moderate diseases related to serious illness.
During the period of critical illness insurance, if the insured is diagnosed with a disease within the scope of contract protection, the insurance company will pay compensation as agreed.
If there is no danger at the end of the guarantee period, the premium paid by the insured will be consumed and the insurance company will not return it.
It is equivalent to putting money in Hua Cuo. In view of this, many people think that consumer critical illness insurance is not cost-effective.
But if you think in another direction, you should hand over the crisis you may face to the insurance company to resolve it. It is quite fair that you can get compensation if you get out of danger for decades or even within the protection period of your life.
So is consumer critical illness insurance reliable? Personally, if health insurance is needed, then consumer critical illness insurance is worth buying.
Because for ordinary people, critical illness insurance is actually the best tool to transfer risks. However, compared with savings-based critical illness insurance and return-based consumer critical illness insurance with higher premiums, consumer critical illness insurance is more affordable as long as it pays several thousand yuan a year, especially suitable for people with small budgets.
So how should we buy consumer critical illness insurance? Before introducing in detail, senior, here are some critical illness insurance products with very moderate prices. Welcome to watch them:
Ten cheap and excellent critical illness insurance inventory! 》
Second, how to buy consumer critical illness insurance?
To tell the truth, it is quite simple to buy consumer critical illness insurance, just need to grasp these two points: security and cost performance. It is best to be comprehensive and cost-effective.
Generally speaking, if there is such a product that can meet the requirements of comprehensive disease protection, sufficient insurance coverage and relaxed underwriting conditions, then it may be advisable to start decisively.
1, comprehensive disease protection
If a critical illness insurance wants to reach an excellent standard, it is very important to provide basic protection such as mild illness and moderate illness first.
Most people choose this product, the premium is tens of thousands, the protection is general, there is no mild or moderate disease, there is no special protection such as secondary compensation for cancer, secondary compensation for cardiovascular and cerebrovascular diseases.
It's just that my senior reminds my friends that when we encounter that kind of explosive product, don't think about it first, and see if its guarantee can satisfy us. If you don't know much about it, you can consult professionals and try to avoid these pits of Thunder products.
2. Adequate disease insurance coverage
Generally speaking, we are insured with critical illness insurance, and the amount of insurance is also very important, which is linked to the amount of claims we can get.
If the economic conditions permit, the senior suggested that the insurance amount should be more than 300,000.
3, underwriting is easy
That's easy to say. There are not so many rules when underwriting.
To put it simply, for this group of people with chronic diseases, some critical illness insurance in the market is not intended to be underwritten at all, but there are also some products whose underwriting rules are very friendly to this group of people.
If the coverage of the two products is similar, it is natural to buy a product with looser underwriting rules.
This is ten kinds of critical illness insurance with loose health information. I suggest you keep them in case you need them in the future:
"The latest! The top ten health warnings are loose, and the critical illness insurance is large! 》
Third, the senior summary:
On the whole, suppose you come across a product similar to that mentioned by the senior above, and the price is reasonable, then you might as well consider it.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!