Key points of purchasing critical illness insurance:
1, some customers are more concerned about serious diseases. For serious diseases, the CIRC has relevant regulations, and the definitions of companies in the market are basically the same, but there are some differences;
2. About the time of claim settlement. It can be roughly divided into three types: compensation for diagnosis, compensation for survival within n days after diagnosis, and compensation for survival within n days after diagnosis. Personally, I think the settlement time is very important. Because critical illness insurance is to ensure that you can get money to treat a serious illness. If there are so many restrictions, it is better to buy term life insurance directly, and the price is still cheap;
3. About the cost. There are two kinds of insurance premium: natural rate and balanced rate. Under the natural rate method, the premium will be adjusted with the increase of age. Balanced rate is a kind of charging method in which a fee is agreed at the time of insurance, and the annual fee paid thereafter remains unchanged. Some health insurance reserves the right to adjust the premium;
4. About the inspection-free function. The payment period of critical illness insurance will generally be longer. 10 or 20 years. If you get sick and settle claims during the payment period, it should also be a very stressful thing for a family if you have to pay the insurance premiums in future periods.