Should I choose medical insurance or critical illness insurance to protect the risk of critical illn

Generally speaking, if you want to protect the risk of critical illness, it is recommended to allocate both critical illness insurance and medical insurance when the budget is sufficient.

1. What do medical insurance and critical illness insurance cover?

Medical insurance refers to a reimbursable product that is conditional on the occurrence of medical acts agreed in the insurance contract. To put it simply, only the items written in the contract, such as hospitalization fees, surgery fees, drug fees, examination fees, etc., will be reimbursed, and the maximum amount spent will be reimbursed.

As the name suggests, critical illness insurance is insurance that covers critical illnesses, and common benefits include critical illness protection, mild to moderate illness protection, etc. If the contracted illness occurs and the claim standard is met, the insurance company will pay the insurance benefit in a lump sum. This money can be used for no limited purposes, not only to cover medical expenses, but also to cover the loss of income due to illness.

2. Should I choose medical insurance or critical illness insurance for critical illness protection?

If you want comprehensive critical illness protection, it's a good idea to have both critical illness and medical insurance if you want comprehensive critical illness coverage. After all, no matter which of the two you choose, the protection will be insufficient.

If you only choose million medical insurance, it can only reimburse you for the ** expenses you spend, but your loss of income during your illness and ** after the recuperation expenses are not covered; If you only choose to purchase critical illness insurance, then you can only claim if you suffer from the diseases agreed in the contract and most of the illnesses still require a certain level, and if you suffer from a critical illness outside the contract, then you will not be claimed.

Therefore, the most reasonable way to match should be critical illness insurance + million medical insurance, which has double protection and can make people feel more at ease.

Finally, if you don't know why you need to configure both medical insurance and critical illness insurance, you might as well take a look at what experts say: after reading these contents of medical insurance, you will know why you need to buy critical illness insurance.

If it is to protect the risk of critical illness, the senior sister recommends choosing critical illness insurance as much as possible, so as to provide targeted protection. The so-called critical illness insurance mainly provides critical illness protection, as long as the insured is diagnosed with the disease specified in the contract and meets the conditions for claim, the insurance company will pay a sum of insurance money that can be used freely.

If you have enough budget, you can insure them all. Critical illness insurance is a diagnosis of the disease agreed in the contract can be applied for compensation, and the insurance company will pay a fixed amount according to the agreed insurance amount, regardless of the actual cost; Medical insurance is based on medical documents to reimburse the actual medical expenses incurred. There is no conflict between the two claims, and after the critical illness insurance is paid, you can also apply for medical insurance claims, which is more comprehensive.

Taking the critical illness insurance product "Health with e-Bao Critical Illness Protection Plan" and the medical insurance product "Love Health Million Medical Insurance" on the official website of Sunshine Insurance as an example, the "Health with e-Bao Critical Illness Insurance Plan" covers 100 kinds of critical illnesses and 50 moderate and mild illnesses, with a maximum compensation of 700,000 yuan. "Love Health Million Medical Insurance" can receive a maximum compensation of 10,000 yuan; Wide range of reimbursement, including hospitalization allowance for malignant tumors; If you are hospitalized due to malignant tumors, it is more worry-free to pay a deposit in advance and pay direct compensation for discharge. Click on "Sunshine Insurance Avatar" to enter the homepage of the institution to learn more.

When purchasing critical illness insurance, you should choose a product with complete coverage, a short waiting period, and green pass services.

If you don't know what diseases are covered by critical illness insurance, you can take a look at this article: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

1.Complete coverage.

Generally speaking, a qualified critical illness insurance must cover the three basic benefits of "mild illness, moderate illness and critical illness", because the claim standard for mild illness and moderate illness is below that of critical illness, and with the improvement of medical technology, many diseases can be detected in the early state.

Therefore, when you choose critical illness insurance, you must choose a product with complete three basic protections. In addition, it would be better if the product also had high practical protection such as multiple claims for high-incidence diseases and exemption for the insured.

Of course, it does not mean that the more protection, the better, the more coverage, the more premiums may be more expensive, so everyone should choose a product with complete protection for themselves according to the actual situation.

2.Short waiting period.

The waiting period refers to the period when the insurance contract is in force, even if the insured person has an insured accident due to illness, the insured cannot receive insurance compensation.

Therefore, the shorter the waiting period for the insured, the better.

The waiting period for critical illness insurance on the market is usually 90 days and 180 days, and when the coverage content and sum insured of the two products are almost the same, you should try to choose the one with the shorter waiting period.

3.It has a green pass service.

The green pass service of critical illness insurance is a green channel service launched in response to the medical needs of consumers, such as overseas multidisciplinary consultation, expert consultation, etc., which can help everyone solve the problem of "difficulty in seeing a doctor and seeking medical treatment" to a certain extent.

If a critical illness insurance product includes the Green Pass service, it will undoubtedly allow the insured to enjoy more powerful protection.

When it comes to critical illness insurance products with green pass services and more comprehensive protection, we have to mention Versailles plus, because this product is not only rich in coverage, but also has additional compensation for mild, moderate and critical illnesses, and more importantly, its green pass service is free to enjoy, compared with other products that require additional money to obtain green pass services, Versailles plus critical illness insurance can be said to be better.

Due to the limited space, if you want to know more about Versailles Plus, you can take a look at the expert version of the evaluation article: Versailles Plus Critical Illness Insurance is back, and the in-depth review must be seen before buying!

Arnold answered:

Hello! At present, there are many critical illness insurance companies on the market that provide insurance benefits for the above diseases, so before deciding which insurance policy to buy, it is best to see whether the insurance you choose covers the above common diseases. Here are some ways to choose critical illness insurance:

1. Customers decide to buy main insurance or additional insurance according to their own situation! The main insurance is relatively more advantageous! The rider is less expensive!

2. It is more appropriate to have about 35 types of disease protection for critical illness insurance, because the product design is based on medical data!

3. When dealing with critical illness for children, it should be noted that most children's diseases are congenital and are not covered by compensation! Don't be blind!

4. The most suitable age for critical illness insurance is 20-30 years old, and the high-incidence age group is before 60 years old, and it is recommended to handle the principal repayment type of critical illness before the age of 45, then it can be converted into a pension after retirement!

5. Pay attention to insurance liability: compensation amount, nursing money, etc.! If you pay in advance, it will be more humane! When you get sick, you can withdraw a portion of it early!

How to choose to replay critical illness insurance is the above introduction, I hope it can bring you reference value.

How to buy critical illness insurance?

1. Differences. 1. Different for projects.

Medical insurance mainly covers expenses incurred in "outpatient and hospitalization", while critical illness insurance covers "critical illness".

2. The reimbursement items are different.

In terms of reimbursement items, there are many medical insurance reimbursement items, and critical illness insurance is only for serious illnesses.

3. The angle of compensation mechanism is different.

From the perspective of compensation mechanism, the most common compensatory medical insurance credit in the market is the reimbursement system, while critical illness insurance is a one-time payment.

2. Critical illness insurance and medical insurance complement each other and do not conflict. Generally speaking, if the financial conditions are possible, critical illness insurance and medical insurance should be purchased at the same time, and if the financial conditions are limited, the critical illness insurance should be purchased first, and then the medical insurance will be supplemented when the funds are sufficient.

Therefore, it is recommended that users buy both. If you only buy one, it is recommended to purchase critical illness insurance. The scope of medical insurance reimbursement is broader than that of major illness insurance, but medical insurance is significantly more expensive when the same amount of coverage slips vertically.

Medical insurance and critical illness insurance belong to the broad category of health insurance, and these two types of insurance can deal with various medical expenses such as outpatient**, hospitalization, surgery, etc., which a person faces after illness.

There is a waiting period for medical insurance and critical illness insurance. That is to say, if you buy insurance today, but if you say that you have a critical illness and want to pay compensation, you have to wait half a year to do it, which means that your disease is diagnosed half a year after you have bought insurance. This six-month waiting period is either dead, or for example, one in our company is 90 days.

Also, if you get sick before you buy the insurance, you can pay for it without following the insurance contract if the insurance company finds out. Unless you can wait two years later. Take your mother as an example, if your mother buys insurance, the medical certificate must be issued sometime after the waiting period, or the family will not pay for it.

And when your mother buys insurance, you must not tell people that they have this disease, or they will directly refuse to insure or increase the cost, but if you don't say that you don't tell the truth, when your mother needs to make a claim, people investigate and find that you have this disease before buying insurance, people can not compensate you, unless you can wait for two years, that is, after two years, the insurance company did not find out that your mother has been sick before buying insurance, at this time you take the diagnosis to make a claim, he will not have any excuse. It must be compensated. Of course, this certificate will also be issued in two years. And now I don't know what your mother's illness is, if you buy a critical illness, but your mother's illness is not listed in the critical illness insurance, then people will not pay for it.

I'm talking about critical illness insurance in commercial insurance. However, the medical insurance of social security is relatively relaxed, the inspection is not so strict, and the money paid is less, but the strength of social security reimbursement is also small, and many effective drugs and special drugs are not reimbursed. Or you can buy your mother an accident insurance plus medical insurance first, which is also commercial, but once a year, it is a year-to-buy, consumption-based.

This additional medical insurance is similar to social security, convenient and cheap, the general waiting period for illness is 30 days, and the liability payment period is 180 days (our company's products are like this).

Let's run cooperative medical care in rural areas. Commercial insurance should not be able to. Hehe,,Conditional,,There is an age limit for good health.。。 You can give your mother a pension dividend. This insurance protects against inflation.

Commercial insurance is not allowed, and the insurance should be truthfully informed. Let's see if there is a medical cooperation in the local area.