Speaking of insurance, some fans recently asked my senior, what's the difference between critical illness insurance and health insurance?
Just today, I had this opportunity. Regarding the relationship between critical illness insurance and health insurance, my senior sister will give you a general knowledge and then pay attention to which insurance is more reliable.
1. What's the difference between health insurance and critical illness insurance?
Health insurance refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
Generally speaking, health insurance is classified as follows: medical insurance, critical illness insurance, income security insurance and long-term care insurance.
In other words, critical illness insurance is part of health insurance, and health insurance includes critical illness insurance.
If we want to discuss functionality, medical insurance and critical illness insurance are more practical.
& gt& gt medical insurance
The meaning of medical insurance is insurance with agreed medical expenses as the condition of payment of insurance benefits, which requires insurance with medical expenses protection.
It is best to combine medical insurance with medical insurance. If there is a vacancy for reimbursement in medical insurance, it can be filled, such as reimbursement of targeted drugs and specific drugs.
There are two kinds of medical insurance, one is micro-medical insurance, the other is millions of medical insurance, both of which can reimburse medical expenses, such as hospitalization expenses, medical expenses, specific drugs and other expenses.
Millions of medical insurance can best reflect the value of health insurance. Insure hundreds of dollars every year, and then you can enjoy millions of reimbursement. The insurance lever plays a key role.
Medical insurance is not that simple. If you want to avoid minefields, you'd better read this article first:
Please be careful when you encounter these medical insurances! 》
& gt& gt critical illness insurance
The payment of critical illness insurance requires the illness of the husband before it can be paid. For example, if the diagnosed disease meets the agreed requirements, you can get compensation, and the insured amount can be paid in one lump sum.
This compensation can be used at will, which can be used as a treatment fee for serious illness, or to restore physical function, or to make up for the loss of income caused by missed work.
Take cancer as an example, the treatment costs about 300,000-500,000 yuan. According to research statistics, the probability of cancer in China is 22%, which is quite a lot.
If cancer is diagnosed, the cost of treatment alone will bring great pressure, not to mention the loss of income caused by long-term treatment.
If you have serious illness insurance, you will have greater confidence in fighting against the disease, and you will not feel like dying for your life.
There is still a lot to know about the purchase of critical illness insurance. If you are not familiar with the purchase of critical illness insurance, study this dry goods:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid the pit by hand."
So, which is better to buy, medical insurance or critical illness insurance? Senior, let me tell you something ~
Second, which is better for health insurance?
General children will choose, adults will only want all!
Many people think that medical insurance and critical illness insurance are bought together, and there may be some conflicts when getting claims, but this is not the case.
Medical insurance belongs to the reimbursement type, and how much it costs is reported; However, critical illness insurance is payment insurance, and you can pay as much as you buy.
In terms of characteristics, critical illness insurance is different from millions of medical insurance, and it does not interfere with each other when making claims. If you want to avoid risks only by a certain type of insurance, you will never be able to meet people's needs.
If you only buy 1 million medical insurance, but after the expenses are reimbursed, how can you reduce the expenses incurred by later rehabilitation and the income loss caused by missed work?
If you only buy critical illness insurance, it happens that your illness does not reach the pathological level agreed in the contract, then the critical illness insurance will not pay compensation, so don't you have to pay medical expenses?
Therefore, only by buying critical illness insurance and millions of medical insurance can we establish a more perfect risk transfer ability.
If you don't understand whether there is a conflict between medical insurance and critical illness insurance, you will know after reading this article:
What's the difference between critical illness insurance and medical insurance? Will there be conflicts when making claims? 》
According to the above analysis, critical illness insurance also belongs to the category of health insurance. Only by purchasing critical illness insurance and medical insurance at the same time can we best avoid risks. When you choose to buy both, there will be no conflict in claims. Don't worry after buying it.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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