Do I need to buy women s health insurance? There is already critical illness insurance

Hello, yes needed. A complete insurance package should include life insurance, medical insurance, critical illness insurance, and accident insurance. If you still have questions about insurance, you can take a look at this article: "The correct insurance posture teaches you how to apply for insurance in a few minutes!" 》

Million medical insurance and critical illness insurance are both health insurance, through the definition of the two can actually see some of the differences, the following dad more detailed analysis of the difference between the two:

Yu Daddy Bao.

1.Coverage

As long as the reasonable and necessary medical expenses incurred by hospitalization are deducted from the deductible (usually 10,000 yuan), the million medical insurance can basically be reimbursed.

Critical illness insurance will only pay the amount agreed in the contract when the insured is diagnosed with a certain disease specified in the insurance contract, and at the same time meets the requirements of reaching the agreed state and performing specific ** surgery, etc., and there is generally no deductible for critical illness insurance.

2.Premium**

The premium of medical insurance is generally several hundred dollars per year, but the premium will gradually increase with the age of the insured and the change of physical condition.

The premium of long-term critical illness insurance is generally several thousand yuan per year, and when applying for insurance, the annual payment is determined, and will not change due to changes in age and physical condition.

3. Claim method

Million medical insurance is in the nature of reimbursement, after the social security reimbursement and after the deductible is reached, the necessary and reasonable medical expenses will be reimbursed within the scope of the insured amount.

Critical illness insurance is in the nature of payment, and as long as the conditions for critical illness claims are met, the insured amount agreed in the contract can be paid in a lump sum.

4. Duration of protection

Million medical insurance is basically paid for 1 year and 1 year, and generally the better million medical insurance comes with a 6-year guaranteed renewal.

The protection period of critical illness insurance is 20 to 30 years, and there are also lifelong protection periods up to the age of 70 and 80 years, and the protection period is relatively long and the options are more flexible.

When economic conditions allow, the more perfect the insurance configuration, the higher the role of the risk that can be avoided.

Critical illness insurance is for serious illnesses, and women's health insurance is specifically for women, which should be considered.

If the economic conditions allow, it is better to buy it, which is more comprehensive and more comprehensive for women's health.

You can buy an organ insurance, because a certain organ can be insured, and I think this can be established.

Yes, after all, women have a lot of special diseases, what breast cancer, cervical cancer, etc., and the probability of women getting these diseases is very high, and it is very easy**, without an insurance, the medical expenses after illness are a burden, you can buy women's insurance alone or buy ordinary medical insurance. I bought the women's care insurance in Ping An Good Life Insurance**, which covers women's unique cancer protection, one-time compensation, and critical illness green channel service, which is only more than 200 yuan a year, which is still very good.

You don't need to buy critical illness insurance that covers women's illnesses.

Practically not needed. This type of insurance is already available. Guarantee is totally possible.

Women's health insurance should be purchased exclusively.

About "Why do women need critical illness insurance?" The senior sister believes that the main reasons can be considered from many aspects such as the probability of women suffering from diseases and the harm of women's diseases.

The female population is affected by a variety of different factors, and the risk that needs to be borne is naturally greater, so it is worth using the huge risk of buying critical illness insurance to transfer the huge risk of critical illness to the female group.

In this regard, the senior sister will talk to you about why women should buy critical illness insurance and the precautions for women to buy critical illness insurance.

According to the relevant claims data of insurance companies, compared with men, the proportion of women diagnosed with critical illnesses is relatively high, and the specific data are almost 50% or more.

According to the critical illness claims data of men and women of some insurance companies in 2021, the critical illness claims probabilities of Ping An Health are 43% and 57% respectively, and those of Fosun Prudential Life are 39% and 61% respectively.

Secondly, due to their body structure, the probability of women suffering from malignant tumors such as breast cancer and cervical cancer is also quite high.

According to relevant data, in 2020, breast cancer, which is highly prevalent in women, beat lung cancer in men, and is the world's largest cancer with 2.26 million cases.

It can be seen that the probability that women may suffer from critical illness is still quite large, so it is indeed a good choice for women to buy critical illness insurance.

There are quite a lot of critical illness insurance products on the market, and the senior sister has collected and sorted out the following list, and all female friends who have insurance needs can refer to it:Top 10 Popular Critical Illness Insurance Points Worth Buying!

It is very important and necessary for women to buy critical illness insurance, but it is not enough to buy a critical illness insurance product casually; For female friends who want to buy critical illness insurance, the following points must be paid attention to:

1.In terms of insurance content, it is recommended to give priority to the three basic protection products of mild, moderate and severe diseases, and secondly, it is best to provide relevant protection specifically for women with high incidence and high incidence of critical illness.

2.In terms of the sum insured, it is recommended that you refer to your own economic conditions, at least choose an adequate sum insured; But there is no need to follow the trend and choose an excessively high sum insured, after all, a high sum insured also means high premiums.

Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insuranceHope.

Today's new women are really powerful, and under the heavy burden of the family, they have to work hard to create wealth for the society and dedicate their minds and wisdom to the society. Why do women need to buy critical illness insurance?

Reason 1: The incidence of female-specific diseases is high

Women's physiological functions are more complex than men's, and the incidence of some women-specific diseases is relatively high, such as uterine fibroids, pelvic inflammatory disease, adnexitis, breast cancer and other diseases, which seriously threaten women's health. And the age of the outbreak is mainly concentrated between 35 and 50 years old.

Taking breast cancer as an example, as long as it is detected in time, after five years**, the survival rate is more than 90%. But in the past 5 years, you need to pay a lot of medical expenses, as well as long-term nutrition and nursing costs, at least hundreds of thousands.

During this period, the lack of income inevitably affected the family's life greatly. If there is insurance at this time, it can completely alleviate the family's economic crisis, so we will not conclude whether the man is reliable or not, but at least buy a critical illness to give your body an extra layer of protection.

Reason 2: Consider it a mandatory savings

Many women feel that insurance can ensure their lives, insurance is real in the eyes of women, and can be used as mandatory savings, if they encounter risks, they can offset a large part of medical expenses, or even redundant, to reduce family losses, this satisfaction is the greatest help to women.

Reason 3: Benefits of immunity

Some critical illness insurance products will have a premium waiver feature. The premium waiver function here mainly means that once the insured's income is interrupted due to critical illness**, the remaining premiums can be paid again, and the protection enjoyed by the insured is still valid.

Reason 4: Alternative economic income and nutrition fees.

After a major illness, you may not be able to work for several years due to medical reasons. If you don't have a job, you don't have an income, and you don't have any help in recovering from the disease. This vicious cycle leads to life getting worse and worse.

If you have purchased critical illness insurance before, this insurance is very helpful to the family as a whole at this time, not only can you use this money for **, but also the nutrition expenses in the later stage have been settled. During the ** period, the mood is happy, and the recovery will be faster.

Insurance Class Notes:

A woman should love herself before she loves her family. When purchasing critical illness insurance, age is linked to the premium. Young age, low premiums, and more protection; Older age, high premiums, less protection. If you purchase long-term critical illness insurance, there is no risk of renewal.

The younger a woman is, the easier it is to buy critical illness insurance, and the lower the likelihood of being asked to increase the price, refuse to cover or exclude it. Try to buy critical illness insurance as early as possible, the rate is low, as you get older, the more physical problems you have, the more difficult and expensive it will be.