(1) critical illness insurance
The nature of critical illness insurance is used to treat major diseases. Xian Yi's young and old people, the earlier they take out insurance, the more cost-effective.
When viewing products, you must pay attention to:
1, light, moderate and severe illness protection should be complete.
It is not enough to protect the seriously ill. An excellent product also needs to protect mild and moderate diseases. Among them, the protection of mild and moderate diseases should include as many high-incidence diseases as possible, which can improve the probability of compensation. And we can't just value the number of diseases when looking at products. Now the newly defined critical illness insurance stipulates that there must be 28 high-risk diseases for critical illness protection, which has covered common diseases with extremely high incidence, so there is not much difference between 100 and 80.
2. Choose adequate insurance coverage.
At present, it costs about 300 thousand to treat a serious illness. If you want to use better drugs and experts, the medical expenses may cost 500 thousand or more. Therefore, when we buy critical illness insurance, it is recommended to buy at least 300,000 yuan, which is in line with the basic standard of treatment amount. If economic conditions permit, the insured amount can be increased. How much coverage should I choose to buy critical illness insurance? If you want to know more, you can read this article: "What is the best insurance coverage to buy? The doorways are all here. "
3. It is best to have extra points such as multiple compensation for cancer
A good critical illness insurance, in addition to the common protection of the insured, such as death and exemption, also has additional items such as multiple compensation for cancer, which will make the protection more comprehensive. Specific suggestions related to critical illness insurance are all in this summary. Essential dry goods are worth having: "Super Amway! You deserve these ten new definitions of critical illness insurance! 》
(2) Medical insurance
Complementing medical insurance is medical insurance, which has the property of reimbursement.
Pay attention to the following questions when purchasing:
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 a million-dollar medical insurance with superior terms, the richer the coverage, the better. Why? Because it also means that we can enjoy a wider range of reimbursement and the more expenses we can reimburse.
2. See renewal conditions.
If you want to buy medical insurance, it is better to choose products with relaxed or guaranteed renewal conditions. In other words, an excellent medical insurance product will not refuse the insured's renewal application or raise the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
For example, some practical value-added services usually include advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. Of course, the more the better. If you want to know more about the value-added services of medical insurance, the following article has what you want to know: "Do you know the" value-added services "in medical insurance? 》
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