Taikang pension 20 18 health has a life-long appointment. Must I add accident insurance to my critical illness insurance?

Taikang Pension 20 18 critical illness insurance can choose whether to add accident insurance. Taikang Health has about 20 18PLUS products with high differentiation. Life-long accident insurance can be attached, with a maximum coverage of 200,000. Self-driving bus insurance can pay 9 yuan, accidental death can pay 1.8 million yuan, and online car rental, taxis and natural disasters can also pay. The guarantee period is long, life-long and the scope of protection is wide. Ping An Fu, Guo Shou Fu, etc. In the market, the biggest guarantee for long-term accidents is 80 years old. Under the same payment, the maximum insured amount is only 3 times, and the network car is not guaranteed.