Long-term critical illness insurance in the market generally covers 20 years, 30 years, 70 years, 80 years, life and so on. Short-term critical illness insurance generally refers to one-year critical illness insurance.
One-year critical illness insurance has obvious advantages and low premium, but this kind of products generally adopt natural rates. With the growth of age, the cost may become more and more expensive, even exceeding the premium paid by long-term critical illness insurance for one year. In addition, one-year renewal of critical illness insurance is also prone to problems, and renewal often requires insurance company review. If your health condition changes or the product is discontinued in the same year, you may not be able to renew your warranty. Moreover, many one-year critical illness insurance on the market provide less protection, and many products lack basic protection for middle-aged diseases, let alone secondary compensation for malignant tumors, and most of the protection contents are not comprehensive.
Many small partners don't know how to see whether a product guarantee is comprehensive. Let's take a look at my dry goods. Novices can also buy insurance that suits them quickly:
All right, the risk of serious illness is like this! You have been cheated for so many years. ...
In short, it is not recommended that you choose one-year critical illness insurance.
Compared with one-year critical illness insurance, the stability of long-term critical illness insurance will be much higher, and the balanced rate adopted is actually more cost-effective in the long run. Long-term critical illness insurance can also be divided into term and life-long insurance. If it is fixed, for example, until the age of 70, it can cover the period with the heaviest family economic responsibility and reduce the risk of family economic collapse. Therefore, the configuration is recommended.
Small partners who want to buy regular critical illness insurance in short-term critical illness insurance and long-term critical illness insurance may be considering the premium. In fact, there are many ways to help us save the premium. Poke the following article to know:
What's the cheapest way to buy insurance?
The critical illness insurance that guarantees the age of 70 is gone, so it is difficult to insure the critical illness insurance at this time, and because of the old age, the probability of serious illness is high, and the premium of critical illness insurance will not be cheap. There are many situations that may not be insured, for example, there are some diseases in the body that make it impossible to insure, and the age is too old to meet the insurance age range of the product.
Therefore, in the case of sufficient budget, if you choose to keep it for life, the stability of critical illness insurance will be much higher.
Senior sister has compiled a cost-effective list of critical illness insurance. Don't miss out on those who want to buy critical illness insurance:
Top ten popular critical illness insurance stocks worth buying!
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