Generally, everyone's health insurance is divided into four types, namely, medical insurance, sickness insurance, disability income loss insurance and nursing insurance. Everyone is familiar with critical illness insurance and medical insurance.
(1) critical illness insurance
Buying critical illness insurance can prevent serious illness and there is no money for treatment. Generally suitable for people under 60. Buying early is more cost-effective than buying late.
When choosing a product, you should pay attention to the following points:
1, light, moderate and severe illness protection should be complete.
An excellent critical illness insurance should cover mild and moderate diseases and ensure the high incidence of mild and moderate diseases. In addition, the protection of mild and moderate diseases should cover high-risk diseases as much as possible to increase the probability of claims. However, it is not better to ensure the number of serious diseases. The state stipulates that each insurance company's critical illness insurance products must contain 28 kinds of high-risk and serious diseases, which have covered common diseases with extremely high incidence. For this reason, whether the number of diseases covered by critical illness insurance is 100 or 80, it is actually similar.
2. Choose adequate insurance coverage.
At present, it generally costs about 300,000 yuan to treat a serious illness, and at least 500,000 yuan is needed to have a good therapeutic effect. Therefore, when consumers buy critical illness insurance, it is recommended to buy at least 300,000 yuan, at least reaching the basic treatment line. If economic conditions permit, the insured amount can be increased in the future. Buying insurance means buying insurance coverage, so how much coverage should I buy for critical illness insurance? You can refer to the following article: "How much insurance should I buy? The mystery is inside.
3. It is best to have extra points such as multiple compensation for cancer
In addition to the common protection of the insured's death and exemption, the critical illness insurance also has excellent benefits such as multiple payments for cancer, and the protection will be more comprehensive. More detailed summary of critical illness insurance suggestions, essential dry goods are worth having: "The new definition of critical illness insurance that is most worth buying is actually these ten models! 》
(2) Medical insurance
Medical insurance is mainly used as a supplement to medical insurance and can also be reimbursed.
Pay attention to the following questions when purchasing:
1, pay attention to the safety content.
Medical insurance can guarantee hospitalization, special outpatient service, outpatient operation, emergency before and after hospitalization and so on. A good million medical insurance, the coverage must be as comprehensive as possible. Why? Because it also means that we can enjoy a wider range of reimbursement, and we can reimburse more expenses during the treatment.
2. See renewal conditions.
When we usually choose medical insurance, the renewal conditions are relaxed or the renewed products are guaranteed to be more cost-effective. An excellent medical insurance product will not refuse the insured's application for renewal of insurance or increase the premium because the insured is in poor health or claims are affected.
3. Pay attention to value-added services
Some value-added services are still very practical, usually including prepaid hospitalization fees, green links for medical treatment, proton heavy ion reimbursement and so on. If you don't know enough about value-added services, go in and unlock more knowledge: "You have all the value-added services you want to know about medical insurance."
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