(1) critical illness insurance
Critical illness insurance is mainly aimed at major diseases, and is generally suitable for people under 60 years old. The earlier you apply for insurance, the cheaper it is.
When choosing products for yourself, you must pay attention to:
1, light, moderate and severe illness protection should be complete.
An excellent critical illness insurance product will include the protection of mild and moderate diseases and the high incidence of mild and moderate diseases. At the same time, it is necessary to cover as many mild and moderate diseases as possible, which increases the probability of claims. And we can't just value the number of diseases when looking at products. According to the new regulations of critical illness insurance formulated by the state, all critical illness insurance must have 28 serious diseases with extremely high incidence. It is understandable that the common serious diseases of adults are covered in it. Therefore, the protection of 100 diseases is not much different from that of 80 diseases.
2. Choose adequate insurance coverage.
Judging from the current economic situation, it takes about 300 thousand to treat serious diseases. If you want to use better drugs and experts, the cost must be more than 500 thousand yuan. Therefore, when we buy critical illness insurance, it is recommended to take 300 thousand insurance coverage as the base, at least to meet the basic medical standards. If the budget is sufficient, the insured amount can be increased. How much coverage should we choose for critical illness insurance is practical for us? If you want to know more, you can read this article:
Teach you to choose the right amount of insurance.
3. It is best to have extra points such as multiple compensation for cancer
A critical illness insurance includes not only the basic death protection, but also the exemption clause of the insured. It will highlight additional items such as multiple compensation for cancer, thus achieving more comprehensive protection. More detailed suggestions on critical illness insurance have been summarized for everyone. Remember to collect the dry goods when they are full:
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(2) Medical insurance
Medical insurance is mainly used as a supplement to medical insurance and can also be reimbursed.
Pay attention when buying:
1, pay attention to the safety content.
The basic guarantee responsibility of medical insurance includes special outpatient service, outpatient operation, general hospitalization and serious illness hospitalization, and emergency before and after hospitalization. For example, the million medical insurance with superior terms, the more comprehensive the coverage, the better, because the increase in coverage means that we can enjoy more reimbursement items and more expenses can be reimbursed during treatment.
2. See renewal conditions.
When applying for medical insurance, relax the renewal conditions or ensure that the renewed products are more cost-effective. Excellent medical insurance will not refuse the insured to renew or raise the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
There are also many practical value-added services, such as advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. The more, the better. If you are interested in learning more about the value-added services of medical insurance, you must read the following articles:
Do you have any misunderstanding about the "value-added service" in medical insurance? Write it at the end.
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