In the insurance sequence, it belongs to the kind that is not very important, because the problems solved are all small problems, and the hospital will pay hundreds of dollars a day.
In terms of security priority, priority should be given to major issues such as serious illness and life insurance; At the same time, considering the accident, this is a big category; If you have more money, you can consider this kind of subsidy insurance, which is the icing on the cake.
If only one fund considers insurance, it is not recommended to give priority to this type.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.