Before entering the relevant popular science, you can first understand the relevant knowledge points of insurance: before buying insurance, you must first understand these key knowledge points!
Critical illness insurance belongs to health insurance, but health insurance is more than critical illness insurance. Generally speaking, health insurance is divided into the following categories: medical insurance, critical illness insurance, income security insurance and long-term care insurance.
According to different security needs, different people choose different health insurance.
For example, if there is a need for disease protection, choose critical illness insurance; If you want to reimburse medical expenses through insurance, choose medical insurance; Income insurance and long-term insurance also have corresponding protection functions, but the heat and sales volume are not as good as critical illness insurance and medical insurance.
Regarding health insurance, this article is more detailed: Is it necessary to buy health insurance? These routines must be paid attention to!
So when choosing health insurance, is it better to buy critical illness insurance or medical insurance? In fact, we can consider configuring these two insurances together.
Because critical illness insurance belongs to payment insurance, the insured can get compensation if he meets the claim standard; Medical insurance belongs to reimbursement insurance, and medical expenses can be reimbursed according to the agreement. There is no conflict between the claims of these two kinds of health insurance.
We can use medical insurance to reimburse medical expenses, and then use the insurance money paid by critical illness insurance to restore physical function, make up for income loss, subsidize family daily expenses and other expenses, and better transfer the economic risks brought by the insured after illness.
Finally, let's learn about the insurance allocation scheme for people of different ages: how to buy insurance at different ages? Everyone should have his own plan.
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!