What kind of health insurance is better for parents to buy?
At present, there are many kinds of health insurance in the market, including sickness insurance, medical insurance, long-term care insurance and income protection insurance. According to the characteristics of the elderly, it is more suitable for hospitalization medical insurance and critical illness insurance. Among them, medical insurance can be purchased separately or as additional insurance. What needs to be reminded here is that many types of insurance have age restrictions. The older you are, the higher the premium will be. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
There is a kind of health insurance that is more suitable for parents and is very popular among the elderly, that is, China Merchants Cigna Health Critical Illness Insurance. The insurance can cover 65,438+005 diseases, including 65 serious diseases +35 specific diseases +5 children-specific diseases+65,438+028% returned at maturity, and 65,438+005 diseases &; Accidents can be compensated, and in many cases, premiums can be exempted, and social security can also be reported. It is a relatively affordable and comprehensive insurance. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
Matters needing attention in purchasing health insurance
Many people ignore some precautions when buying health insurance, which often causes great losses. Therefore, understand the precautions for purchasing health insurance and make your own interests more secure, as follows:
1. See clearly the exclusions, that is, the insurance company will not compensate for anything.
2. Look clearly at the observation period and the hesitation period. The insurance company will stipulate an observation period for hospitalization medical insurance, usually within 60 days or 90 days after the contract takes effect. The insurance company will not compensate the medical expenses incurred during the observation period. At the same time, consumers hesitate within 10 days after receiving the policy. During the period of hesitation, the applicant can propose to terminate the insurance contract, and the insurance company will unconditionally refund all the premiums.
3. Choose medical insurance with guaranteed renewal. During the guarantee renewal period, the insurance company shall not refuse to renew the insurance because of the change of the health status of the insured.
4. Try to choose the payment method of overall calculation. Most medical insurance will set a limit for sub-liability, and will not be responsible for compensation if it exceeds the limit. Therefore, it is best for the insured to choose the overall calculation fee.
To sum up, when purchasing health insurance, we should make clear the exclusion liability, observation period and hesitation period, choose guaranteed medical insurance, and try our best to choose health insurance with overall expenses to protect our own interests.
Relevant suggestions
Choose commercial health insurance? Make a good trilogy.
According to relevant surveys, the probability of human suffering from major diseases is 72 18%, and there are 7 million cancer patients in China, with an annual increase of 1 10,000 cases. Are you afraid of such figures? Don't worry, taking out China Merchants Cigna Commercial Health Insurance can solve your worries. In recent years, there are not a few people who improve the level of medical security through commercial health insurance. What kinds of commercial health insurance products are there? How should people choose better? Let's take a look at this article.
The health insurance market has great potential and promising development prospects.
The latest information of insurance industry shows that the premium income of insurance industry achieved good results in June 5438+ 10, among which the premium of commercial health insurance industry increased by more than 19%. An insurance expert said that with the implementation of various policies and measures, China people's demand for health protection is becoming more and more diversified, and the health insurance market has great potential. In 20 15 years, the insurance industry will continue to resume growth and its income will reach a new high.