Which kind of critical illness insurance is better to buy, and is there a better critical illness in

1.Age is the primary consideration.

2.The premium should be 10%-15% of the annual income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

Hello, it is only good to buy critical illness insurance that is suitable for the protection needs of the insured. Here it is recommended that you should compare and choose the insurance company based on the actual age, physical health, gender and other aspects of the insured, and buy the right insurance.

Critical illness insurance is the insurance we need to allocate the most, and it is also the most difficult insurance to choose. If you want to choose a cost-effective one, it's better to take a look at these ten: Top 10 popular critical illness insurance points worth buying!

Super Mario 3 Max:

For the first time diagnosed with moderate disease, 75% of the sum insured; First diagnosis of mild disease, 55% of the sum insured. At present, most of the critical illness insurance on the market can only pay 50% for moderate illness and 20%-30% for mild illness

In such a comparison, the overall sum insured of Super Mario 3 is a big street away from other products!

Moreover, it also covers most of the high-incidence mild and moderate symptoms.

Not only is the basic benefit high in terms of coverage, but you can also choose additional benefits for cancer and cardiovascular and cerebrovascular secondary claims, and Super Mario 3 MAX is also very cost-effective!

The amount of compensation depends on the choice of the sum insured. Things you may not know about the sum insured:

How much insurance is appropriate? Let's talk about the doorway inside

Darwin 3:

The payout strength of the king bomb level.

Darwin 3 is ambitious and can be insured from babies to as old as 55 years old. It has 3 main advantages:

If you suffer from a critical illness before the age of 60, you will be paid 80% more:

For example, buy 300,000 insurance amounts, and directly enjoy the rights and interests of 540,000 insurance amounts, directly crossing a quota level!

High proportion of compensation for mild and moderate illness:

Minor illness is paid at 45% of the sum insured; Moderate illness can pay 60% of the sum insured, which is a very high ratio.

The highest mild to moderate symptoms can be compensated twice:

Moderate cerebral stroke, early malignant tumor, atypical myocardial infarction, minimally invasive coronary intervention, and minimally invasive coronary artery bypass grafting can be compensated twice.

The above two types of critical illness insurance are very cost-effective, so you can consider them according to your own situation. If you want to buy the right critical illness insurance, you must choose a product according to your own needs.

When buying "critical illness" insurance, it is best to base on long-term life insurance and attach critical illness insurance to it, and it is more cost-effective to choose to purchase specialized critical illness insurance with annual payment, and once the contract is established, you can get compensation.

There are two main types of critical illness insurance sold by insurance companies: one can be purchased as a primary insurance, and the other can be purchased as an add-on with the main insurance.

Customers who have only purchased critical illness insurance will spend a lot of money once they suffer from a serious illness, and although they have purchased critical illness insurance, they are limited in the insurance company's claims. Therefore, when choosing "critical illness" insurance, it is best to base long-term life insurance and attach critical illness insurance to it.

When choosing critical illness insurance products, you attach great importance to the types of critical illnesses included in the protection liability.

Some products contain 100 major diseases, others 120 or even 200.

In the face of the numerous disease names in the insurance content, many friends feel a headache, how to buy critical illness insurance?

The economic pressure brought about by a critical illness is a heavy blow to an ordinary family, and if we can, we must take precautions to transfer the economic risks brought about by a critical illness.

So how do we choose a critical illness insurance product that is right for us?

1. The principle of priority of the sum insured

Only when the sum insured is sufficient can the risk of disease be effectively transferred. A major illness often costs more money than we can imagine.

Daddy recommends that the insured amount of critical illness insurance should be more than 300,000 yuan as much as possible, so that the protection is sufficient, and it should be decided according to the living expenses, expenses and debts in the next five years.

2. Pay attention to the protection of mild and moderate symptoms

Everyone understands that major diseases do not come suddenly, but often because we do not pay enough attention to mild diseases, which evolve into moderate symptoms and then deteriorate into severe diseases.

In fact, when we choose critical illness insurance products, we should also pay attention to the mild illnesses attached to the protection liability, and the high-incidence mild illnesses can easily deteriorate into severe diseases, as shown in the following figure:

Therefore, when we choose critical illness insurance products, we must also pay attention to the protection content of mild and moderate illnesses.

3. Pay attention to single and multiple claims

There are two main types of claims for critical illness insurance, one is a single claim, and the other is multiple claims.

A single payment means that after suffering from an agreed illness, the corresponding sum insured will be paid at one time, and the insurance contract will become invalid.

Multiple claims refer to the fact that if you suffer from an agreed illness and pay the corresponding sum insured at one time, the insurance contract will remain valid until the number of claims is exhausted.

Multiple claims are divided into multiple claims in groups, and multiple claims without groups, and the main difference is whether the diseases in the coverage are grouped.

First of all, the sooner you buy insurance, the more cost-effective it is; secondly, buy the consumption type and not buy the return type; Finally, the budget is not enough to buy regularly. If you are short of money, you can choose to cover the critical illness insurance until the age of 70, and then supplement it when the economic conditions improve.

Critical illness insurance protects the insurer's responsibility to pay insurance benefits when the insured suffers from a critical illness as agreed in the contract.

In the process of choosing critical illness insurance, there are several common questions that need to be paid attention to:

Regular or lifelong

Fixed-term insurance is usually guaranteed up to age 60 or 70; Lifetime warranty. (There is also a one-year term, buy a one-year warranty, but it is difficult to guarantee the renewal of the warranty, so it will not be discussed here).

From the point of view, regular is a very big advantage, if you are shy, then it is a very good choice to keep a regular term; If you want to be worry-free for life, it is reasonable to give that part of the premium.

Do you want to get your premiums back?

Two words: don't! (If you have a mine at home, you can skip it).

Think of it this way, a young man in his twenties, by the time he was 70 years old, more than 40 years had passed, and then you returned the premium I paid, but at that time this money was not worth much!

It's better to make less money when you're young, and use what you stay to invest in yourself, even if it's to consume it.

Do you want mild symptoms

Mild illness is not a cold and fever, but what we often call a "serious illness", but it does not meet the claim criteria for critical illness, such as carcinoma in situ, which is not included in the critical illness, and the rate is higher and the cost is within our affordability.

If economic conditions permit, it is recommended to choose products with mild illnesses, after all, it can effectively lower the threshold of our critical illness claims, and it is more suitable to detect it as early as possible.

Whether or not to have life insurance liability

The purpose of critical illness insurance is to cover or cushion the losses caused by critical illness risks, and you also want to protect yourself in death, which is a matter of term life insurance.

Do you want to pay more than once

In the past, critical illness insurance was basically paid once, but now that medicine is developing rapidly, the ** rate and survival rate of many critical illnesses have increased, and people who have suffered from critical illnesses can no longer buy critical illness insurance because of their claim records.

As a result, products with multiple claims for critical illness have appeared, and premiums have also risen.

After all, if a child or young person has a good life for decades, it must be more secure to have multiple claims of critical illness insurance. However, if you have a limited budget, it is okay to pay a little more at a time to deal with the foreseeable risks in front of you.

The more comprehensive the coverage of critical illness insurance, the better.

Critical illness insurance currently on the market, according to:Comprehensiveness of the guarantee responsibility,It can be broadly divided into four categories:

Pure critical illness insurance that only covers illness but not death.

Critical illness insurance that covers both illness and death.

Multi-claim critical illness insurance for critical illness groups.

Critical illness insurance with multiple claims that are not grouped.

Four types of critical illness insurance, from top to bottomSafeguard responsibilities are becoming more and more comprehensive.

The latter three categories, because they all include death liability and are generally insured for life, so sooner or later we will get the sum insured, which is equivalent to us depositing a sum of money in the insurance company and being able to withdraw it sooner or later, so we generally call it "savings critical illness insurance".

Among the four types of critical illness insurance,Multi-claim critical illness insurance is not groupedBecause of its wide coverage and large number of claims, it is currently recognized as the most comprehensive type of critical illness insurance in the market.

Of course, you get what you pay forThe more comprehensive the coverage of critical illness insurance, the more expensive the corresponding premium**.

How much is the right amount to buy? Generally speaking, critical illness insurance should at least cover critical illnessExpenses, expenses, and loss of income due to illness(Generally, a serious illness can lead to 3-5 years of inability to work). It is best not to have less than 500,000 yuan in critical illness insurance in order to provide adequate protection.

At present, for most products on the market, the compensation ratio for mild and moderate diseases is generally between 20% and 50%, that is to say, if you buy 500,000 yuan of insurance, the compensation for mild and moderate diseases is about 100,000-250,000 yuan. Some products will be higher, some will be lower, obviouslyIt is more beneficial for us to choose a higher payout ratio.

If you want to get coverage for multiple claims, but you can't afford it due to your budgetMultiple claims for critical illness insurance,You can consider buying itIn the single claim critical illness insurance, "multiple compensation liability for malignant tumors, cardiovascular and cerebrovascular diseases and other high-incidence diseases" is addedto make the protection more sufficient.

Multi-claim critical illness insurance is not groupedIt is currently the most comprehensive critical illness insurance with the most comprehensive coverage.

However, you get what you pay for, and the premium** is also the highest if you pay for critical illness insurance multiple times in groups.

If the budget is slightly insufficient, you can settle for the next best thing and considerCritical illness insurance is paid multiple times in groupsHowever, it is necessary to focus on the "scientific nature of the grouping", suggestedPriority is given to 6 products with high incidence and even grouping of critical illnesses

It's best to be able to choose onePremium Waiver Liability Products.

When purchasing critical illness insurance, you should first evaluate the coverage you already have. First of all, you should consider your own financial situation, the welfare of your unit, calculate the amount of protection you already have, and then assume the amount of money you need to spend if you unfortunately suffer from illness.

The expenses mainly come from three parts: the first is the self-paid medical expenses that are not reimbursed by social security and the reimbursable part that needs to be paid out of pocket in the medical expenses. At present, the maximum reimbursement amount of social security is 170,000 yuan, with a minimum payment of 1,300 yuan, and the approximate reimbursement ratio is 85%.

About 100,000 yuan is required to supplement this fee; The second is income compensation, which means the loss of stagnation or reduction in income during the period when the customer is sick and unable to work. Generally, a critical illness requires at least 2 years of rest; The third is the cost of post-recuperation, such as eating nutritional products, hiring nurses, physiotherapy, etc., and the approximate minimum cost is about 4 to 50,000 yuan.

If we assume that a white-collar worker with an annual income of 100,000 yuan, according to these three expenditure directions, it can be estimated that the minimum amount of critical illness insurance coverage to be purchased is 350,000 yuan.

After determining the amount of insurance, and then start to analyze the current financial situation of the family, the general investment premium is within 10% of the family's annualized gross income, and within 30% of the family's annual net balance, which will not cause great pressure on the family's economy.

At present, critical illness insurance in the market can be divided into two categories: consumer products and return products. There are three types of returnable products, namely: premium refund at maturity, return of sum insured at maturity, and lifetime products.

Consumer-oriented products are generally cheaper and suitable for young people to buy, and 30-year-old men are insured with 350,000 yuan of insurance, and the annual premium is only about 3,000 yuan. If the four types of critical illness insurance, such as consumption, rebate premium, rebate amount, and whole life, are equally protected, the premium ratio is 1 2 3. (Beijing Mingya Insurance Broker Guo Chong).

What should I pay attention to when buying a critical illness?

Answer: Critical illness insurance in the market can be divided into regular principal repayment critical illness and lifelong consumption critical illness! The sum insured is 5-10 times the annual income, which is reasonable!

The following issues must be paid attention to when handling the customer:

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

2. It is more appropriate to have about 25-35 types of disease protection for critical illness insurance, because the product is designed according to relevant medical data!

3. Children are not suitable for critical illness insurance, because most children's diseases are congenital and are not covered by critical illness insurance! You have to try to get through the claim by taking out commercial maternity insurance!

4. The most suitable age for handling critical illness insurance is about 20 years old, and the high-incidence age group is between 30-60, 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 care, etc.! If you pay in advance, it will be more humane! If you are able to get sick, you will receive a portion of the benefit!

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

Women's Critical Illness Maternity Protection Plan, lifelong protection, insurance liability: death, total disability, return of survival money, annual dividend, 15 major diseases, women's diseases, maternal and child protection illness insurance. The insured amount is 180,000 yuan, the payment is 20 years, a total of 210,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 eight cash is received on the 9th and 18th contract anniversaries, and there are 580,000 yuan in the account when you are 88 years old, and 820,000 yuan in the account when you are 100 years old.

It can be attached to comprehensive accidental hospitalization medical insurance, including all accidental hospitalization medical treatment, etc., there is no limit on the number of reimbursements, and the waiting period for hospitalization is only 30 days!