From the perspective of economic ability: under normal circumstances, lifelong serious illness is more expensive than regular serious illness. If there is a great financial pressure in a certain period, you can give priority to buying regular serious illness.
From the age point of view: the earlier you get a serious illness, the cheaper it is. If you are too old (after 60 years old) and newly insured with critical illness insurance, the insurance company may refuse to cover it. Therefore, it is necessary to plan early for serious illness for life.
People's Insurance Company of China I Worry-Free and Serious Illness Insurance (Internet exclusive) supports the choice of life insurance or insurance until 70 years old, which is more flexible. Want to know more, please download China PICCAPAPP to view ~