Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. The new definition of serious illness ranking is announced! The first place is it! 》
Characteristics of health insurance:
1, long term:
Compared with other insurances (except critical illness insurance), the duration of health insurance is much longer.
2. Payment method:
The payment of health insurance is divided into compensatory payment and fixed payment according to the different underwriting responsibilities in the insurance contract. Expense health insurance belongs to compensatory payment; Fixed-rate health insurance is paid according to the insurance amount agreed in advance in the insurance contract.
3. Need a physical examination:
General insurance does not have many other requirements when purchasing, while health insurance has a strict underwriting process. When the insured's insurance coverage is too low, you need to fill in a health reminder; When the insured's insurance coverage is too high, the insurance company will require the insured to have a physical examination.
4. Contract terms:
In addition to lifelong medical insurance, health insurance provides the insured with compensation for medical expenses and loss of disability income, which is basically conditional on the existence of the insured. The beneficiary and the insured are the same person, and there is no need to designate a beneficiary.
To buy insurance, it is recommended to consult the baby first. The consultant certified by Minbaobao is a practitioner with the qualification of China Banking and Insurance Regulatory Commission. They entered the platform to provide services through the strict screening mechanism of Minbaobao. The purpose is to find high-quality professional consultants in the industry for customers and solve their insurance problems one-on-one The new definition of serious illness ranking is announced! The first place is it! 》