1. Guarantee content
Millions of medical insurance reimburses reasonable and necessary medical expenses, while critical illness insurance aims at diseases agreed in the contract, and claims will be paid only when the contract is reached.
2. Premium
The leverage ratio of million medical insurance is much higher than that of critical illness insurance. For example, for a 30-year-old person, the first-year premium is generally 300+, but if he is insured for critical illness and chooses to keep it for life, the annual premium will be several thousand.
Millions of medical insurance can buy millions of insurance coverage, while thousands of critical illness insurance only have hundreds of thousands of insurance coverage. It can be seen here that the leverage ratio difference between the two is still relatively large. Want to know more about millions of medical insurance products, please take a look at this article by Dad. "Top million medical insurance cost-effective ranking, which one is worthy of attention in March? 》
3. Claim method
Millions of medical insurance is reimbursed by deducting deductibles, which means that under normal circumstances, the insured needs to pay the expenses first;
Critical illness insurance means that the insured suffers from a serious illness and meets the conditions, and can get the agreed amount in one lump sum, and the insured can freely control the compensation.
4. Warranty period
The guarantee period of millions of medical insurance is often 1 year, while the critical illness insurance is mostly for decades or even life.
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