It is not difficult to see from the above figure that the average medical expenses for major diseases are above 654.38+10,000 yuan, and some even exceed 300,000 yuan, and only a few serious diseases cost about 50,000 yuan. Therefore, only 300,000 critical illness insurance coverage is obviously not enough. Only when the coverage reaches 500,000 can we deal with most major diseases. So what is the critical illness insurance coverage of 50. 1 10,000 a year? Today, I will talk to you about this, and the content is as follows:
1. What should I pay attention to when applying for critical illness insurance?
2. What is the annual critical illness insurance coverage of 500,000 yuan?
1. What should I pay attention to when insuring critical illness insurance?
If you want to know the amount of critical illness insurance of 500 thousand a year, you must know what to pay attention to when applying for critical illness insurance. The following are some problems that you need to pay attention to when you apply for critical illness insurance:
1, critical illness insurance needs to be configured according to the actual situation. First of all, it needs to be clear that critical illness insurance should be necessary for every family, but critical illness insurance is generally insured for a long time, so you should be clear about your needs when you apply for insurance, and then make a long-term plan according to the economic situation, so you can't affect the basic life of your family because of paying premiums.
2. The critical illness insurance coverage is not as high as possible. As can be seen from the above table, the general treatment cost of critical illness insurance is about 300,000 yuan, so 300,000 yuan is a relatively basic choice, but the higher the insurance amount, the higher the premium will be, and the insured will have to bear higher payment pressure, which is an economic burden for the average family. Therefore, when choosing the insurance amount, the insurance amount of 500,000 is basically enough to meet the needs of most families, and the insurance amount of 500,000 is also for most families.
3. The elderly should be cautious in configuring critical illness insurance. Because the elderly are older and their physical condition is worse than that of young people, the premiums charged by insurance companies for critical illness insurance for the elderly are also relatively high, and some even hang upside down. Therefore, the elderly need to carefully configure critical illness insurance.
2. What is the annual critical illness insurance coverage of 500,000 yuan?
As mentioned above, matters needing attention when insuring critical illness insurance. At the same time, we also know that it is more scientific to choose 500 thousand coverage for critical illness insurance, which can meet the needs of most families. So how much should I pay for the 500 thousand critical illness insurance every year? The first thing you need to know is that the premium is not only determined by the insured amount, but also influenced by many factors. Let's analyze it below:
1, insurance age, generally speaking, with the continuous growth of age, the risk of serious illness increases. In order to control costs, insurance companies charge higher premiums as they get older. Under the same circumstances, the premium of men is higher than that of women.
2. The scope of protection in critical illness insurance. Generally speaking, the higher the coverage of critical illness insurance, the better its protection ability and the higher the same premium. Under relative conditions, the premium of 500,000 yuan is definitely higher than 300,000 yuan.
3. Payment method: Under normal circumstances, the payment method of critical illness insurance is optional. The shorter the payment time, the higher the premium.
Let's talk about the current mainstream critical illness insurance based on the payment of premiums paid by men who are 30 years old, with a coverage of 500,000 and a premium of 30 years:
It is not difficult to see that the premiums are all around 6000 yuan.
Three. abstract
Critical illness insurance is an insurance that every family should consider, which can effectively protect our lives. However, when choosing critical illness insurance, we should also proceed from our own actual situation and choose the appropriate critical illness insurance. Basically, the insurance coverage of 500,000 yuan can meet the needs of the vast majority of people and will not have much impact on the economic situation. What is the annual critical illness insurance coverage of 500,000? As mentioned earlier, there are many factors that affect the premium, but the insurance cost is around 6000 yuan. If you configure a critical illness insurance, you won't be caught off guard when you are concerned about foreign emergencies. If you are still confused about how to insure, you can do a test to help you make an all-round evaluation, tailor the plan according to your problems and needs, and find professionals. Know how much it costs to see a doctor and get a guide to health risk protection. Help you save money and choose the right insurance!