1. What should I know before buying critical illness insurance?
2. How to choose critical illness insurance?
3. What are the recommendations for critical illness insurance products?
1. What should I know before buying critical illness insurance?
In this case, Ms. Zhang refused to pay compensation on the grounds that she did not fulfill the insured's obligation to tell the truth. Then someone will definitely say that maybe other insurance companies can make normal claims without notice. Obviously, this is impossible. So which critical illness insurance is cost-effective and worth buying? What should I know when buying critical illness insurance? The following is mainly about:
1, the premium budget should be reasonable. Insurance is something that many families need to plan for a long time, so the premium budget should be reasonable, and paying insurance premiums should not become a financial burden for families. Under normal circumstances, the premium budget should account for about 65,438+00% of the annual household income, and it should be allocated according to its own needs.
2. Family members' critical illness insurance sequence. Under normal circumstances, the critical illness insurance of the family breadwinner must be considered first, because once the family breadwinner is unfortunately ill, it will be a major disaster for the family, so the critical illness insurance of the elderly and children should be considered again.
3. Be sure to know your physical condition. Critical illness insurance belongs to health insurance. When underwriting, the insurance company will ask the insured to tell the truth about his physical condition. Therefore, they need to know their own physical condition, so as to avoid the insurance company refusing to pay compensation because of failing to fulfill the obligation of telling the truth in the case.
Second, how to choose critical illness insurance?
There are many insurance companies on the market now, and there are also abundant critical illness insurance products. So which critical illness insurance is cost-effective and worth buying? Don't panic when choosing. Although there are many types, the critical illness insurance itself has its own characteristics. When choosing, pay attention to the following points:
1, select the appropriate amount of insurance. According to the statistics of relevant state departments, the current treatment cost of common high-risk diseases is more than 654.38+10,000 yuan. In addition to the cost of treatment, we should also consider the impact on our income during treatment. Therefore, it is suggested that when choosing the amount of insurance, it should start from at least 300,000 yuan, and the specific amount of insurance should be determined according to your own premium budget.
2. Define the insurance liability of the insurance contract. In general, serious illness insurance mainly includes serious illness, moderate illness and mild illness, but some serious illness insurance is incomplete. Although the premium of incomplete insurance products is relatively small, in order to better protect yourself, it is recommended to choose comprehensive insurance liability. Only in this way can the risk of serious illness be well transferred.
3, their actual situation. One sentence is right, there is no best insurance product, only the most suitable insurance product. You need to proceed from your own situation when choosing.
3. What are the recommendations for critical illness insurance products?
As mentioned above, what you must know before buying critical illness insurance and how to choose critical illness insurance, so which critical illness insurance is worth buying in 2022? The main recommendations are as follows:
1, carefree life 202 1
Advantages: 50% extra compensation for serious illness, and women have the advantage of death; In the case of mild symptoms at the first time, you can pay extra 15%.
Disadvantages: the guarantee is not flexible enough.
2. Perfect Life Guard 202 1
Advantages: 80% extra payment for serious illness before the age of 60; Products are more flexible, and you can choose a longer insurance period; There is an extra payment for mild and moderate diseases.
Disadvantages: the insured amount is limited, and the maximum insured amount is only 460,000.
3. Kunpeng 1
Advantages: you can pay an extra 50% for serious illness before the age of 70, and the comprehensive cost performance is high.
Disadvantages: there are many insurance restrictions and insurance is not flexible.
4. I promise to be seriously ill for a long time
Advantages: Large insurance companies have many products and service outlets; Insurance before the age of 40, 50% extra compensation for serious illness in the first 20 years.
Disadvantages: there is a limit on the age of insurance.
5. orange guardian 1
Advantages: low price; Before insurance, 65,438+000% will be paid for serious illness; You can pay for serious illness three times.
Disadvantages: insurance is not flexible enough.
6. Apollo 1
Advantages: the maximum compensation for serious illness is 3 times; Severe, moderate and mild diseases can be paid extra before the age of 60.
Disadvantages: insurance is not flexible, and you can only buy it when you are 0 to 35 years old.
Four. abstract
Critical illness insurance can transfer the risk of illness and should be a necessary insurance for every family. So which critical illness insurance is cost-effective and worth buying? The answer is that there is no best, only the most suitable. When choosing, you should choose the most suitable critical illness insurance according to your family and your own conditions. If you configure a critical illness insurance, you won't be caught off guard when you are concerned about foreign emergencies. If you are still confused about how to insure, you can do a test to help you make an all-round evaluation, tailor the plan according to your problems and needs, and find professionals. Know how much it costs to see a doctor and get a guide to health risk protection. Help you save money and choose the right insurance!