How to choose health insurance and how much does it cost a year?

How much health insurance costs a year depends on what products we buy, and the premiums of different products will be different. There are many factors that affect the price of health insurance. Without specific conditions, it is difficult for senior three students to answer this question. For example, critical illness insurance, 300,000 at the age of 30, probably thousands to tens of thousands; Another example is medical insurance, which can usually be done for a few hundred dollars.

Health insurance, as its name implies, is an insurance product with human health as its subject matter. For losses caused by health reasons, the insurance company will pay the insured insurance money according to the contract. Health insurance can be mainly divided into these four categories: sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Like common critical illness insurance and medical insurance, it is also health insurance.

If you want to know more details, you can read this popular science article: Is it necessary to buy health insurance? These routines must be paid attention to! |/? gid=526200。 tag = % E5 % A6 % 82% E4 % BD % 95% E9 % 80% 89% E6 % 8B % A9 % E5 % 8 1 % A5 % E5 % BA % B7 % E4 % BF % 9D % E9 % 99% A9 % EF % BC % 8C % E4 % B8 % 80% E5 % B9 % B4 % E4 % B8 % 8B % E6 % 9D % A5 % E9 % 9C % 80% E8 % A6 % 8 1% E5qid = % 2f question % 2f 193 1028968438529827 . html }

Then how should we choose the right health insurance? Let's take the critical illness insurance as an example and give you a brief introduction:

1, security content

Mainly look at whether there is protection for mild and moderate diseases, whether there is additional compensation for serious diseases, whether you can choose optional responsibilities such as secondary compensation for cancer and secondary compensation for cardiovascular and cerebrovascular diseases, and whether there are value-added services.

These security responsibilities are very important, such as extra compensation for serious illness, which can give us more security at a certain age. For example, Versailles plus suffers from a serious illness for the first time before the age of 60, and can get 180% of the basic insurance premium. If you buy 500 thousand insurance coverage, you can get 900 thousand insurance compensation. For people under 60, this kind of protection is really friendly, because most people of this age are still shouldering the heavy responsibility of supporting their families. If you don't know how to buy a good product, take a look at this guide: which is better for critical illness insurance, and how to buy it cost-effectively, and teach you to avoid these pits of insurance |/? gid=52620 1。 tag = % E5 % A6 % 82% E4 % BD % 95% E9 % 80% 89% E6 % 8B % A9 % E5 % 8 1 % A5 % E5 % BA % B7 % E4 % BF % 9D % E9 % 99% A9 % EF % BC % 8C % E4 % B8 % 80% E5 % B9 % B4 % E4 % B8 % 8B % E6 % 9D % A5 % E9 % 9C % 80% E8 % A6 % 8 1% E5qid = % 2f question % 2f 193 1028968438529827 . html }

2. Warranty period

If the economic budget is sufficient, then seniors suggest that you directly choose life-long critical illness insurance with sufficient insurance coverage. If the economic budget is limited, you can choose to take out regular critical illness insurance, but don't reduce the insurance coverage in order to buy a longer protection period. If the insurance coverage is insufficient, the protection function of insurance will be minimal. If you want to know more, you can look here: Should the critical illness insurance guarantee a fixed term or a lifetime |/? gid=526202。 tag = % E5 % A6 % 82% E4 % BD % 95% E9 % 80% 89% E6 % 8B % A9 % E5 % 8 1 % A5 % E5 % BA % B7 % E4 % BF % 9D % E9 % 99% A9 % EF % BC % 8C % E4 % B8 % 80% E5 % B9 % B4 % E4 % B8 % 8B % E6 % 9D % A5 % E9 % 9C % 80% E8 % A6 % 8 1% E5qid = % 2f question % 2f 193 1028968438529827 . html }

Hope to adopt!

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