Is it necessary to buy critical illness insurance? Why?

Each of us has the possibility of getting sick, in fact, the role of insurance is similar to the role of doctors, doctors use medical skills to treat diseases and save people, and insurance uses money to save families from difficulties. And some people say that doctors save a person's physical life, while insurance saves a person's economic life.

Is it necessary to buy critical illness insurance? Look at the price the whole family has to pay for the next person who gets sick.

1. Basic expenses for critical illness**.

We can roughly estimate the basic cost of a major disease, the current cancer surgery is about 100,000-300,000, if the use of advanced surgical technology is required, then the cost will definitely follow.

2. Fees.

Critical illness takes a long time, but the later stage is not shorter than the time, or even longer. The first stage of many major diseases takes several years, and the inevitable nutrition expenses and living expenses during the first period need to be taken into account.

3. Loss of income.

Once you suffer from a serious illness, you will definitely not be able to work to earn money, and you will have no income**, which is also an economic loss for families who have always had a stable income.

Seeing this, everyone should have a good idea of whether there is a need to buy critical illness insurance. Whether to buy critical illness insurance or not depends on the ability of you and your family to bear the risk of illness, but no matter how rich the family is, you don't want to take this risk. A must buy!

After talking about the necessity of buying critical illness insurance, let's talk about how to buy critical illness insurance. It is mainly considered from when to buy critical illness insurance, how much critical illness insurance to purchase, and the order in which families purchase critical illness insurance.

When is the best time to buy?

When buying critical illness insurance, the sooner you buy it, the better. Why? First of all, as the incidence of critical diseases is getting younger and younger, for example, the prevalence of leukemia in children is also high; If you think that critical illness is between 60 and 70 years old, you are wrong, judging from the claims data of the insurance industry, the highest incidence of critical illness in China is around 40 years old.

Secondly, the younger the age of critical illness insurance, the cheaper it is, and vice versa, the more expensive it is. As we said before, critical illness insurance still has strict requirements for age, and it will become more and more difficult to buy critical illness insurance when you are older. At present, it is difficult to buy critical illness insurance if you are over 55 years old.

And if you buy critical illness insurance when you are 40 years old, it will be twice as expensive as the critical illness insurance you bought when you are 20 years old. However, the duration of coverage has been shortened accordingly. Therefore, the sooner you buy critical illness insurance, the cheaper and more cost-effective.

Finally, because the younger the age of purchasing critical illness insurance, the better the health, it is easier to pass the underwriting. As we all know, critical illness insurance has strict requirements for the health status of the body, and if you are not in good health and cannot pass the underwriting, you cannot buy critical illness insurance. As a general rule, the older you are, the higher the probability of developing the disease, so it is likely to be more difficult to pass the underwriting as you get older.

Moreover, critical illness insurance generally increases the need for medical examinations for young insured groups, but if they are older, they require medical examinations. If you fail the medical examination, you will be denied insurance.

Critical illness insurance covers critical illnesses such as malignant tumors and myocardial infarctions, and its coverage and responsibilities are relatively extensive. Many people don't know why they want to buy critical illness insurance, but in fact, it is mainly because critical illness insurance can cover three levels: medical expenses, medical expenses, and income loss expenses.

1. Medical expenses. Due to the high pace of life, many people are in a sub-health state, and the incidence of diseases is also very high. The development of medical technology has led to an increase in the rate of many diseases, and although major diseases occur, the probability of cure is still relatively large.

The treatment of diseases costs money, and critical diseases cost patients a considerable amount of money.

2. ** Fee for recuperation. A serious illness is different from the common cold, and it needs to be carried out afterwards and recuperation, and the patient needs to take a tonic for a fee.

3. Loss of income fee. During a serious illness, patients are unable to work, and the resulting loss of income is naturally not a lot.

Many of the above three expenses can be covered by critical illness insurance, because most critical illness insurance is paid immediately after diagnosis, so the insured can get the insurance money when he is diagnosed, and he can rest assured** and recover his health. Although many people have social security, social security only covers the most basic level, and the insurance ratio is not high. It can be seen that it makes sense to purchase critical illness insurance.

It is very necessary to buy critical illness insurance, because as people get older, people will have various diseases, so after buying critical illness insurance, you will be protected when you are sick, so you still have to buy it.

Of course, it is necessary to buy critical illness insurance, and the older people are, the more they need to buy it, because critical illness insurance is aimed at some critical diseases, so if you buy it, it is also a protection for yourself.

Of course, it is necessary to buy critical illness insurance, once you get a serious illness, this kind of critical illness insurance will really be very powerful, after all, the proportion of his reimbursement is relatively large, and the critical illness insurance will cost tens of thousands of yuan every time.

Critical illness insurance is necessary to purchase because it can be used in conjunction with general medical insurance to meet the shortcomings of medical insurance, and to match and combine with each other.

If the conditions allow the income is acceptable, it is recommended to buy critical illness insurance for yourself as soon as possible, because it is necessary to buy critical illness insurance for yourself as soon as possible, because important illnesses and tomorrow may not come first.

Insurance has now entered thousands of households, and it is still necessary to buy critical illness insurance, mainly because people have a lot of balance in their hands, so it is not a problem to buy critical illness insurance.

Although there is medical insurance, medical insurance reimbursement has certain limitations, once a major illness occurs, it is far from enough to rely on medical insurance reimbursement in the face of hundreds of thousands of ** expenses. At this time, if there is a critical illness insurance, as long as it meets the critical illness within the terms and conditions, you can get compensation, which can effectively alleviate the financial pressure. Xiaohonghua critical illness insurance will be paid immediately after diagnosis, with a maximum insurance of 600,000 yuan, and there is no need to worry about serious illness**!

Is it necessary to buy critical illness insuranceWhy is it necessary to buy critical illness insurance? Why is it necessary to buy critical illness insurance, under normal circumstances, it is difficult to say that it is necessary to buy it, if you do not have this medical insurance, in this case, you generally need to buy it.

Many people feel that there is no need to buy critical illness insurance, they are still young and in good physical condition, and they do not need critical illness insurance.

The role of critical illness insurance is to allocate the risks that may be encountered in the future in advance. Therefore, it is important not to wait until you have a critical illness to realize the importance of critical illness insurance.

It is still necessary to buy critical illness insurance, because there will always be accidents in life, you don't know what will happen, and having an insurance policy has at least one more protection.

It is necessary to buy critical illness insurance, and each of you will encounter a critical illness, so you can ship one!

If you are a young person who is in good health, you can not buy critical illness insurance, and generally people over 40 years old can buy one as protection to avoid untimely needs.

This depends on your age, if you are in the 40s, it is indeed necessary to buy critical illness insurance like this, and it is still relatively safe for you to buy it.

If the economic conditions allow, it is still necessary to buy critical illness insurance, which can play a very big role at a critical time.

Song Ki-hyun, is it necessary to buy it? Why do I think in general? Is it necessary for me to buy critical illness insurance? I think this might be of great help in the future.

It is necessary to buy critical illness insurance.

For example, if you buy 500,000 yuan of critical illness insurance, the insurance company gives you a one-time 500,000 yuan, which can be used as a ** expense, or it can temporarily subsidize your family. If it is an expense, the medical insurance can still be reimbursed after the end. The money brought by critical illness insurance solves the problem of seeing a doctor in the early stage, and at the same time, it will not put the family into a financial crisis all of a sudden.

First, it is conducive to improving labor productivity and promoting the development of production.

Medical insurance is the inevitable result of social progress and production development. In turn, the establishment and improvement of the medical insurance system will further promote social progress and the development of production. On the one hand, medical insurance relieves workers' worries and makes them work with peace of mind, so as to improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.

The second is to adjust income differences and reflect social fairness.

Medical insurance adjusts income differences by levying medical insurance premiums and reimbursing medical insurance service fees, which is an important means of income redistribution.

Third, it is an important guarantee for maintaining social stability.

Medical insurance provides economic help to sick workers, helps to eliminate the factors of social instability caused by illness, and is an important social mechanism for adjusting social relations and social contradictions.