How to use it? Critical illness insurance is a one-time payment of a sum of money-claims, which meets the conditions of claim. You can take it away and spend it as you like.
Medical insurance meets the reimbursement requirements. You can reimburse it by ticket, but it doesn't exceed your expenses at most.
How long will it last? critical illness insurance
1 year, 20-30 years, guaranteed to 60/70/85 years old, and guaranteed for life.
medical insurance
1 year (the most is 1 year), 5 years, 6 years.
Function? critical illness insurance
Make up for the loss of income caused by not working normally during a serious illness.
For example, under normal working conditions, it costs 300,000 yuan a year, but you often have to go to see a doctor or be hospitalized when you are sick, so you have to ask for leave, and your performance may be affected. If I take a long leave of absence, the company may consider firing me, so my income will be interrupted at this time.
If there is serious illness insurance, then giving me a sum of money is equivalent to having an invisible "job"
medical insurance
Solve the problem of our medical expenses. Although the medical expenses for illness are high, I have an insurance company to reimburse me. I think it's still practical. You don't have to tell the doctor to use cheap medicine.
Some medical insurance can not only solve the problem of medical expenses, but also solve the problem of medical resources for us.
Critical illness insurance and medical insurance complement each other.
What should young people buy? Young people are relatively healthy and the insurance premium is cheap. It is recommended to buy them together because they are a good supplement.
The recommended amount should be determined in combination with your income and expenditure, and in addition, consider whether you need to allocate other types of insurance in combination with your life stage.
For example, if you have a lot of mortgages on your back, I suggest you configure a term life insurance for yourself in time.
Above, if you have any questions, please continue to communicate.