(1) critical illness insurance
Buying critical illness insurance can prevent serious illness and there is no money for treatment. Suitable for men, women and children. Friends who need critical illness insurance, it is best to insure as soon as possible.
Pay attention to the following points when choosing critical illness insurance:
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. Among them, the protection of mild and moderate diseases should include as many high-risk diseases as possible, so that the insured can get claims more easily. However, it is not better to ensure the number of serious diseases. The newly implemented new regulations on critical illness insurance indicate that all critical illness insurance must have 28 kinds of high-risk critical illness, which means that most high-risk critical illness in Jedi are guaranteed, so whether it is 100 or 80, there is not much difference in the types of critical illness insurance.
2. Choose adequate insurance coverage.
Judging from the current economic situation, it takes about 300 thousand to treat serious diseases. If the treatment effect is better, it will cost at least 500,000 yuan. Therefore, when choosing critical illness insurance, it is recommended to take 300 thousand insurance coverage as the base, so as to reach the basic line of treatment. If the economic conditions are better, you can continue to increase the insured amount. How much protection do you choose to buy critical illness insurance? Let's take a look at this article: "What is the best insurance coverage to buy? In fact, it is based on ... "
3. It is best to have extra points such as multiple compensation for cancer
Critical illness insurance will be more excellent and comprehensive in addition to the basic protection such as death liability and exemption of the insured. More detailed suggestions on critical illness insurance are all in this summary, which are all treasures. Hurry up and collect it: "Super Amway! You deserve these ten new definitions of critical illness insurance! 》
(2) Medical insurance
Complementing medical insurance is medical insurance, which is a kind of reimbursement insurance.
When purchasing products, you need to pay attention to:
1, pay attention to the safety content.
The basic guarantee clauses of medical insurance cover general hospitalization and serious illness hospitalization, special outpatient service, outpatient surgery, and emergency treatment before and after hospitalization. For example, for the million medical insurance with superior terms, the coverage of the policy should be as comprehensive as possible, because it also means that our reimbursement scope is wider and we can reimburse more medical expenses.
2. See renewal conditions.
When we usually choose medical insurance, we recommend products with relaxed renewal conditions or guaranteed renewal. In other words, an excellent medical insurance product will not refuse insurance or increase the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
Some value-added services are still very practical, such as advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. And the more the better. Want to know more about the value-added services of medical insurance, go in and unlock more knowledge: "You have all the' value-added services' in medical insurance you want to know."
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