Today, Senior Sister will tell you what regular critical illness insurance is. What are the advantages of regular critical illness insurance? How to choose a good regular critical illness insurance!
This paper sorts out some basic insurance knowledge, which can help you buy the right insurance and avoid detours:
Before buying insurance, you must first understand these key knowledge points! 》
1. What is term critical illness insurance?
Regular critical illness insurance means that the insurance company can provide critical illness protection for the insured at the agreed time.
Term critical illness insurance is generally agreed for several years, such as 20 or 30 years, or according to the age of the insured, such as 60, 70, 80, etc.
Another kind of critical illness insurance corresponding to regular critical illness insurance is called lifelong critical illness insurance. Regular critical illness insurance and lifelong critical illness insurance have different prices, and the coverage content depends on specific products.
If you don't know the difference between regular critical illness insurance and lifelong critical illness insurance, you can read this article:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
So what are the advantages of regular critical illness insurance compared with lifelong critical illness insurance?
(1) low premium
Regular critical illness insurance and lifelong critical illness insurance have balanced interest rates on premiums, and the premiums are the same every year.
Compared with life-long critical illness insurance, fixed-term critical illness insurance has a shorter term, so the calculation rate is different. With the same insurance coverage, the rate of periodic critical illness insurance will generally be 1/3-2/3 of lifelong critical illness insurance, and the premium is not very high, which is why many consumers like periodic critical illness insurance.
(2) the guarantee period is flexible
As we have explained before, periodic critical illness insurance is flexible in terms of coverage period. Some guarantee periods are agreed according to the number of years, while others are agreed according to the age of the insured. Consumers can take a look at their own budget and physical conditions and choose the guarantee period that suits them.
Second, which is better for regular critical illness insurance?
We have mastered the basic content of regular critical illness insurance, and many small partners may have such doubts: which is better for regular critical illness insurance?
Senior sister wants to tell you that judging whether a regular critical illness insurance is excellent or not can mainly refer to the following points:
(1) The guarantee should be comprehensive enough.
A good regular critical illness insurance should not only have comprehensive protection, but also have a wide range of protection. There must be three basic guarantees, namely, regular serious illness guarantee, moderate illness guarantee and mild illness guarantee, which are the most basic guarantees.
In addition, we also need to check whether this product has optional responsibilities such as extra insurance for cardiovascular and cerebrovascular diseases and malignant tumors. These serious diseases not only have a high claim rate, but also are expensive to treat. It would be better if you could provide additional compensation.
(2) The insured amount should be sufficient.
Buying critical illness insurance is actually buying insurance protection. Adequate protection can enable everyone to get timely treatment when political risks come, and then successfully pass the treatment period and rehabilitation period.
At present, there are many formal critical illness insurance on the market that support the extra payment of critical illness insurance. For example, before the age of 60 (excluding), support the payment of 180% of the basic insurance amount, provide us with sufficient protection, and let us enjoy the protection with peace of mind.
Summary: Regular critical illness insurance has the characteristics of low premium, flexible guarantee period and good cost performance.
Regular critical illness insurance is undoubtedly an excellent protection option for those who are under great pressure from preparation, family and economy and have insufficient premium budget.
Finally, the senior sister sorted out a lot of critical illness insurance that was worth the money and guaranteed thick. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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