How do people aged 5/kloc-0 buy suitable health insurance products?

First of all, your worry is very necessary. Social security is "guaranteed but not guaranteed", and the reimbursement rate of medical insurance is limited, including the limit of "deductible line" and "reimbursement rate", and it is "reimbursement type" (that is, you can pay for medical treatment first and then reimburse. ), and the critical illness insurance of commercial insurance is a payment type. Whoever loses money first will go to see a doctor.

Secondly, if you are really in good health after the hospital physical examination, congratulations to your mother for her good health! But the medical expenses of a serious illness are enough to destroy a family, so your consciousness is very correct.

To sum up, you asked two questions: 1, should we still buy it? 2. If you buy it, which one is suitable? My suggestions are as follows:

1, although it can be affirmed that "it will be very expensive to buy insurance at this age", if the physical condition allows (you can pass the medical examination) and you have purchasing power, you still have to take the critical illness insurance, because your physical condition will be worse than before, and your performance will be more obvious, and you will basically be in a period of high incidence of serious illness; Insurance is always the most important guarantee, so there is no "suitable" insurance, only the most "suitable" insurance for you. Therefore, it is "appropriate" to recommend the most "appropriate" product to you only after communicating with professional agents and understanding your financial situation and actual needs.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.