Health insurance mainly includes medical insurance, critical illness insurance and nursing insurance, and the premiums of different types of insurance will be different.
Critical illness insurance mainly covers major diseases. When the insured suffers from compliance diseases and meets the conditions for claim settlement, the insurance company will pay the insurance money. The premium of critical illness insurance is generally thousands to tens of thousands. For example, Darwin No.7 critical illness insurance of Guolian Life Insurance has complete protection for mild and moderate diseases and provides premium exemption. Suppose a 30-year-old man, with a coverage of 500,000 yuan and a payment of 30 years, chooses to protect him until he is 70 years old, so the annual premium is 3,500 yuan, and if he chooses lifelong protection, the annual premium is 5,250 yuan. If you want to know about this product, you can read this article: Is Darwin No.7 critical illness insurance of Guolian Life Insurance worth buying? Look at these points before buying!
Medical insurance can reimburse some medical expenses beyond the scope of medical insurance and reduce the loss of medical expenses. The premium of medical insurance is usually several hundred dollars, and the premium without social security will be higher than that with social security. For example, you can enjoy E-Student 2022 Personal Edition, which provides general medical care, serious illness medical care, proton heavy ion medical care and so on. Suppose a 30-year-old woman is insured with social security, with an annual premium of 293 yuan and no social security, with an annual premium of 627 yuan. Interested friends can read this article: Is it really that good to enjoy E-Life 2022? A text tells you the answer!
Besides insurance, it is also related to other factors, such as the payment period. At present, the common payment terms in the market are wholesale payment and 3/5/ 10/ 15/20/30-year payment. The more optional payment terms insurance products provide, the more flexible they are. Other things being equal, the longer the payment period, the lower the premium payable in each period, and the less the payment pressure. People who are worried about the pressure of payment can choose a longer payment period. If you don't know how to choose the payment period, you can read this article: How to choose the payment period without losing money?
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!