What should we do when we encounter difficulties such as sudden, unexpected, or critical illness

Accident insurance** is mostly at the same price point, but there are restrictions on the products that can be insured at different ages. and critical illness insurance products with different budget ranges. Compared with accident insurance, the products** of critical illness insurance will vary too much, at most a few thousand yuan.

Although the premium of accident insurance is low, it cannot be bought casually, and buying the wrong product will not only waste money, but also not be protected.

It should be noted that:

If it is to buy accident insurance for children, the China Banking and Insurance Regulatory Commission stipulates that for minors aged 0-9, the death benefit cannot exceed 200,000; For minors aged 10-17, the death benefit cannot exceed 500,000.

In addition, although the health notice of accident insurance is relatively relaxed, when buying it for parents, you should not be careless and try to choose a product that is friendly to health notice.

1) Sum insured

First of all, choose a high sum insured, and buying critical illness insurance is buying the sum insured.

If you want to bear the expenses such as ** fees, ** expenses, loss of income in the process of illness and daily household expenses, you must first choose critical illness insurance with a high sum insured, starting at 300,000.

2) Duration of coverage

It is advisable to choose long-term protection, preferably lifelong critical illness insurance.

Because the older you are, the greater the probability of suffering from a critical illness, we try to choose a long period of coverage when applying for insurance, if the economic conditions allow, to avoid the insurance has expired and cannot be compensated when the illness occurs.

Moreover, the older you get, the more expensive the premium of critical illness insurance becomes, and the deterioration of physical fitness makes it difficult to pass the health notification of critical illness insurance.

3) Multiple claims for critical illness

If the budget is sufficient, choose critical illness insurance with multiple claims for critical illness, and give priority to critical illness without grouping, followed by critical illness insurance with multiple groups.

From the perspective of premiums, a single claim for critical illness insurance will be much cheaper than the premium for multiple claims for critical illness insurance, if you have a limited budget, you can choose to purchase a single claim critical illness insurance, and you can choose to pay multiple claims for critical illness insurance if you have a sufficient budget.

There are many types of insurance, and there are countless products, which one is good and which one is good? I'll first sort out the cheapest and most cost-effective insurance on the market that I stayed up late last night, and I need to pick it up:Top 10 most cost-effective insurance points!

Illness and accidents are the most risky accidents in everyone's life, and we can't prevent accidents, but we can minimize the losses caused by risks! Therefore, critical illness insurance and accident insurance are two essential types of insurance, critical illness insurance protects illness, accident insurance protects accidental risk, how to choose the best critical illness insurance and accident insurance, I will analyze it in detail.

1. Term selection: lifelong fixed-term

It is well known that the probability of developing a critical illness increases with age.

Therefore, in order to avoid the policy lapse when the elderly suffer from critical illness, it is preferential to purchase lifelong consumption-based critical illness insurance.

2. Single payout vs multiple payout

The biggest advantage of consumer products is that they spend less money and get high leverage, but the premium cannot be returned. Is the critical illness insurance worth paying multiple claims? It turns out that we were all deceived!

The advantage of return-based insurance is that after the expiration of the policy, if there is no insurance, you can get a certain percentage of the sum insured or premium refunded, which is equivalent to "forced savings". However, the premium of returnable critical illness insurance is more expensive, and it requires a fixed payment for a certain number of years, and the loss of surrender is large. Therefore, return-based critical illness insurance requires the policyholder to have the corresponding financial capacity and not to interrupt the insurance.

3. Death option

Critical illness insurance with death is cheaper than critical illness insurance without death. If you have a lot of family responsibilities and a mediocre budget, it is recommended to choose to include death.

The insurance liability of accident insurance includes accidental medical treatment, accidental disability, and accidents, and the premium of accident insurance is very cheap, generally only more than 100 per year, you can get more comprehensive protection. For example, with a premium of 158 a year, you can get 50w of the sum insured, and the medical expenses for accidental injuries can be reimbursed to you. In 2020, the most worthwhile accident insurance is here

CPIC's Jinyou Life manages both critical illness and accidents, and with the addition of an accident card slip and peace of mind, it is perfect. Of course, buying insurance also depends on your age and income level, if the income is relatively high, it is recommended to buy two copies of Jinyou and An Xingbao, plus a hospitalization medical accident card, and it will be fully protected.

There are several points to note when buying insurance.

Whether the insurance plan designed by the first person for you is really suitable for you, whether the terms and benefits (only for participating products) mentioned by the second person meet the principle of good faith and whether you understand the meaning of the terms.

Third, do you tell the truth about some of the things you want to know about the person (such as income, address, medical history, etc.) (this will be a claim.)

Fourth, the most important thing to buy insurance is to protect yourself, and to understand what protections and rights you have.

If you buy accident insurance, you can do it whether you are there or not, the money is there, and you can leave love for your loved ones without leaving debts! If a person eats whole grains, how can he not get sick? Buying critical illness insurance can avoid all the hard-earned money from being handed over to the hospital in the end, and only regretting it in the end and working for the hospital all my life.

Sunset life is infinitely good, rich is beautiful, don't wait for old age and frail no income to find out that there is no pension insurance.

Taikang All-round Insurance will escort you, illness, accident, all, one policy with six protections, low payment, full protection, add me.

The first time to buy accident insurance, but the accident insurance does not cost much, generally about 300 yuan, and the critical illness insurance is generally about 200,000 yuan according to your economic strength.

Both accident insurance and critical illness insurance should be bought. Critical illness insurance determines the amount of coverage to be purchased based on financial income, but it must be purchased. Accident insurance can be purchased for a one-year period of accident insurance, and if economic conditions permit, you can also purchase long-term accident insurance with a high sum insured and long-term repayment of principal and interest, but it is also necessary to buy.

Before buying 300,000 to 500,000 according to your ability to pay, you must buy accident insurance, and you can chat privately for details.

I think it's more appropriate to buy short-term insurance, and it's economical to renew it every year, and critical illness depends on your income.

These are all combined, there is no one that is not suitable, it is recommended that you do not do a single type of insurance, everyone is fine when there is nothing to do, as soon as there is a small episode complaining.

Combination of evergreen ten talisman blessings, to ensure comprehensive payment.

Critical illness not only needs to be bought, but also really bought, and what is bought is the responsibility of the family to themselves and the care for their happiness! Accidents are unpredictable risks anytime and anywhere, and people with brains will put accidents and critical illnesses in the first place in insurance, followed by financial management!

Hello, human life is long, but we don't know when diseases and accidents will come. This depends on your situation. Plus private chat.

Hello people, accidents and illnesses are unpredictable in this life, so you can buy critical illness rider accident insurance.

Ping An Company's Ping An Fu: Critical illness accident, double driving, and exemption and other functions. It is your ideal choice.

These two types of insurance can be purchased in combination with accident medical treatment, hospitalization medical treatment and hospitalization allowance to avoid the problem of difficult claims.

Hello! Accident insurance and critical illness insurance are both important, and how much to buy depends on your age and financial conditions. Specific problems are analyzed on a case-by-case basis.

Critical illnesses and accidents are important, with low insurance coverage and high sum insured.

The simplest and most straightforward thing is to look at your own thoughts and your current economic situation.

Let's take a brief look at the differences between critical illness insurance, accident insurance, and medical insurance: (see the diagram below).

If you want to know whether they conflict when making claims, and what are the specific differences, you can read this article, "What is the difference between critical illness insurance, accident insurance, and medical insurance?" Will there be a conflict when making a claim? 》

Let's talk about it:

1. The difference between the three

(1) Guarantee content:

Critical Illness Insurance: Reimbursement for loss of income. Critical illness insurance is generally a long-term protection with a more expensive premium.

Buy critical illness insurance and pay a fixed premium every year to have a long-term protection. Critical illness insurance is used to compensate for the loss caused by the inability to work, and can cover the rest and recuperation expenses, living expenses, etc. during the ** period.

Accident Insurance: Responding to the occurrence of unexpected events. Accident insurance is usually for one year, no health notice is required, ** cheap, hundreds of thousands of insurance can be obtained for 100 yuan, and it is cost-effective.

The meaning of accident is: external, sudden, unintentional, and non-disease, that is, only accidental death, accidental disability, and accidental medical treatment are covered.

Medical Insurance: To cover the cost. Medical insurance is usually for one year, the premium is cheap, and the cost performance is very high, and you can get millions of medical protection for only a few hundred yuan per year.

It is suitable for those disease risks that are beyond the scope of medical insurance reimbursement but do not meet the criteria for critical illness, and can be purchased in conjunction with critical illness insurance, which can basically achieve comprehensive protection in terms of health and worry-free medical treatment.

(2) Compensation method:

Critical Illness Insurance: One-time payment. As long as you suffer from the illness listed in the contract, you can get a one-time cash compensation. This payout is not limited to how it can be used and can be used wherever it is needed.

Accident Insurance: One-time payout. In the event of accidental death, accidental disability, and accidental medical treatment, you can get a one-time cash payment of the corresponding amount according to the contract.

Medical Insurance: Reimbursement-based insurance. Reimbursement is made after seeing a doctor first, and it can only be used for medical expenses. The claim settlement rules are based on the original materials such as invoices, medication lists, and records, and at the same time, the amount of compensation will not exceed the first expense.

2. Which is better to buy critical illness insurance, accident insurance or medical insurance?

Critical illness insurance, accident insurance, and medical insurance are complementary to each other. Critical illness insurance is responsible for the money spent on recuperation and family expenses; Accident insurance can provide a contingency in the event of an accident; Medical insurance can cover the cost of medical treatmentOnly by buying together can we maximize the family's risk resistance. "In 2020, the most worthwhile accident insurance is here".

Top 10 Cheap and Good Price Critical Illness Insurance** Points! 》

One of the reasons why buying medical insurance is generally to give priority to buying millions of medical insurance, which is very cost-effective, cheap, and you can enjoy millions of protection amounts by spending only a few hundred yuan. Not only that, but it is also very comprehensive, such as surgery fees, anesthesia fees, nursing fees, drug fees, examination fees, etc.

When we buy million medical insurance, in addition to looking at the protection liability, **, exemption clauses, renewal clauses and other conventional content, we should also pay attention to the "stability of sustainable insurance".

In terms of renewal, it should be noted that medical insurance can only be purchased for a short period of time, and some people may be rejected by the insurance company because of your physical condition or previous claims when they want to buy it again in the second year after the first year of purchase. For example, the following medical insurance, in the renewal, there are more moths:Beware!

These medical insurance have pitfalls, don't step on them! 》

The stability of sustainable insurance is, simply put, whether the product will be discontinued, and no one can make an accurate judgment except for the insurance company. Generally speaking, these aspects can more or less reflect some trends: whether the sales market is hot, whether there are enough healthy people among the buyers, whether it is reasonable, the medical conditions of the insurance company, and so on.

In addition, this point should also be noted, most products, for people who have not purchased social security, the premium is usually more expensive, so social security is well paid

Critical illness insurance: Critical illness insurance is for critical illness compensation, and most critical illness insurance currently pays for death, of course, a small number of non-compensation, so you must pay attention when choosing. Domestic critical illness insurance generally covers about 40 types of critical illnesses, and some cover up to 60 types.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

Different levels, different types of insurance, different natures, etc.

1. Different levels.

Accident insurance is one level higher than the accident medical level; Accident medical treatment is lower. Accident insurance includes accidental medical insurance, accidental injury insurance, and accidental disability insurance.

Accidental medical treatment means that when the insured suffers medical expenses due to accidental injury, the insurer will pay according to the actual situation. There is a maximum limit for medical benefits, and accident medical insurance is generally not covered separately, but as an add-on to accidental death, disability, and disability.

2. Different types of insurance.

Accident insurance covers compensation after an accident; Accident medical insurance covers medical illnesses. Accident insurance is a life insurance that pays benefits due to death or disability caused by accidental injury. Medical insurance is a type of insurance that compensates for the medical expenses incurred by illness.

Therefore, accident insurance and medical insurance are two different types of insurance.

3. The nature is different.

Medical insurance is social security and is mandatory; Accidental injuries are commercial insurance and are voluntary. Therefore, medical insurance and accident insurance are different types of insurance. Medical insurance covers the widest range, ranging from headache and brain fever to hospitalization.

In the case of accidental injury, only medical treatment caused by the accident will be reimbursed, including work injury, car collision, operation error, etc. Secondly, medical insurance does not report death, that is to say, if a person dies, no compensation will be paid, and if an accident is injured, the death caused by the accident must be paid according to the insured amount.