Do I need medical insurance if I buy critical illness insurance?

After buying critical illness insurance, if you still have the budget and want more comprehensive personal protection, you can consider taking out medical insurance, many medical insurance will now provide hospitalization medical insurance, whether the insured is hospitalized due to illness or accident, many expenses can be reimbursed.

Here I have also summarized a few medical insurance products worth buying, interested friends can take a look: the latest top ten million medical insurance rankings are newly released!

In case of a critical illness, it will bring huge medical expenses to the family, and there will also be loss of income such as ** expenses, family debts, and living expenses. Critical illness insurance, which can be paid in advance, can hedge these risks, and its sum insured can not only be used to treat diseases, but also to make up for the loss of family income.

It is necessary! Medical insurance is not a substitute for critical illness insurance. First of all, medical expenses can be 100% reimbursed, but there is actually a limit of 10,000 deductibles.

In addition, if there is no advance payment function, you need to pay out of pocket in the process. As long as the critical illness insurance meets the agreed payment conditions, you can get a high amount of compensation at one time.

The answer, of course, is: no! There are many differences between them, first, the role is different, critical illness insurance is used to supplement the loss of family income during our illness, and million medical insurance is to reimburse us for large medical expenses; Second, the claim settlement method is different, one is the payment type and the other is the reimbursement type.

The two are not interchangeable.

There is no conflict between critical illness insurance and million medical insurance, and it is recommended to configure them if conditions permit. Unless you are relatively old or have a very low income, you should not consider critical illness insurance first. In other cases, it is recommended to configure one.

Yes, the content of the two insurances is a little different, although they can be claimed if they are sick, but critical illness insurance is more to protect the ** expenses after illness, and lost work expenses, etc. Medical insurance provides more coverage for the cost of ** illness. Therefore, the content of the two insurance policies is different.

Summary. Hello Yes, there is a difference in the coverage and payment methods of critical illness insurance and medical insurance, among which critical illness insurance mainly provides protection such as critical illness and mild illness insurance benefits, premium waiver, etc., which belongs to the fixed payment type of insurance; Medical insurance mainly reimburses the first expense, and pays after the first treatment, which belongs to the expense compensation type. For families with financial conditions that allow it, they still need to buy medical insurance if they buy critical illness insurance, so that the insured can enjoy more comprehensive protection and better resist the risks caused by diseases.

Hello Yes, there is a difference in the coverage and payment methods of critical illness insurance and medical insurance, among which critical illness insurance mainly provides protection such as critical illness and mild illness insurance benefits, premium waiver, etc., which belongs to the fixed payment type of insurance; Medical insurance mainly reimburses the first expense, and pays after the first treatment, which belongs to the expense compensation type. For families with financial conditions that allow it, they still need to buy medical insurance if they buy critical illness insurance, so that the insured can enjoy more comprehensive protection and better resist the risks caused by diseases.

The two types of critical illness insurance and medical insurance complement each other and are irreplaceable. Critical illness insurance is paid, and there must be a certain standard for critical illness compensation, and more serious illnesses will be paid. Medical insurance, on the other hand, is reimbursed, and new illnesses can be reimbursed after being insured, regardless of the severity of the condition.

If you are financially able, it is recommended that you buy both. This is also a guarantee for yourself and your family.

If the financial conditions allow, then you can purchase another critical illness insurance after purchasing medical insurance, and if the financial conditions do not allow it, then you can also purchase critical illness insurance after purchasing medical insurance.

At present, although medical insurance and critical illness insurance are based on the health of the insured as the subject of insurance, they are different types of insurance, and because critical illness insurance is paid immediately after diagnosis, the amount of insurance is relatively high, and medical insurance is reimbursed after the completion of the insurance, so critical illness insurance is more suitable for people with poor economic conditions than medical insurance.

Of course, medical insurance also has its characteristics, which is characterized by a wide range of coverage, which can be reimbursed for major and minor illnesses, while critical illness insurance can only reimburse major illnesses, so medical insurance is actually better than critical illness insurance in this regard.

Generally speaking, medical insurance and critical illness insurance have their own advantages and disadvantages, and at the same time, they do not conflict with each other, so when the conditions permit, medical insurance and critical illness insurance can be configured at the same time, so that you can get double protection.

Although critical illness insurance and medical insurance can be used as a supplement to social insurance, the difference between medical insurance and critical illness insurance is obvious, medical insurance and critical illness insurance are complementary to each other, so it is necessary to buy critical illness insurance!

Critical illness insurance is generally a benefit-type insurance product, after the insured submits an application for a claim, and is approved, the insurance company will pay the funds to compensate for the loss of income after suffering from a critical illness, hospitalization and other expenses, and subsequent long-term expenses, etc., so that the life of the family will not be changed by the disease, and the function of critical illness insurance can make up for economic losses is not possessed by medical insurance. After the contract comes into effect, there will be no risk of discontinuation, and there will be no premiums due to age, and the insured can have a long-term stable protection.

Medical insurance is a reimbursement type of insurance, to solve the problem of reimbursement of hospitalization expenses caused by illness and accidents, only to reimburse the expenses incurred in the process of medical treatment, and the expenses other than medical treatment cannot be reimbursed. In the popular medical insurance on the market, there are not many products with a lifetime protection period, and most of the products with short-term protection are more likely to be unable to renew this insurance due to various reasons such as the insured's physical condition, claim history, and suspension of sales, and the biggest uncertainty of medical insurance is renewal. It can be renewed, but it does not indicate that the insurance can be renewed, of course, for more specific renewal matters, you can look at the terms of this product to judge whether the insurance can be renewed, and there are still products that can guarantee the renewal.

If you only have medical insurance, the protection for us is far from enough, the specific reasons will not be analyzed so much, if you are interested, check the following to find the answer: can medical insurance replace the role of critical illness insurance?

Risk avoidance is the purpose of our insurance, if unfortunately in the event of an accident or illness, we can give ourselves a strong protection. It does not mean that critical illness insurance must be more important than medical insurance, on the contrary, medical insurance is not necessarily important to major illness insurance, both have their own advantages, medical insurance is used for the expenses incurred by the usual medical reimbursement, and critical illness insurance can be paid directly by funds in the event of a critical illness, which is not in conflict! Choose complementary insurance, a reasonable combination can complete our protection plan!

For those who don't know how to configure insurance, there is a guide for you to check: How to choose insurance for different ages? There's something for everyone.

The coverage of these two types of insurance is different, medical insurance is to reimburse medical expenses as much as you spend? Critical illness insurance, on the other hand, is a lump sum payment of the specified sum insured once the critical illness is confirmed. And this amount of money is at your disposal, and you don't have to do it.

If your budget is sufficient, you can match both.

When do I need medical insurance after buying critical illness insurance? Critical illness insurance + medical insurance, the two-pronged approach is the best protection. People often say that "it is difficult and expensive to see a doctor", in the face of this phenomenon, how can we better improve our protection?

Some experts have shown that critical illness insurance and medical insurance are equally important, and the combination of the two can ensure their own security. For those who do not have social insurance, critical illness insurance and medical insurance are essential. 2. How to give moneySome people have certain misunderstandings about medical insurance and critical illness insurance, medical insurance is mainly a reimbursement of medical expenses, that is, how much you spend.

Critical illness insurance pays a specified amount of insurance money once diagnosed, and there are no conditions for the use of this insurance money. 3. How to apply for medical insurance can be divided into low-end, interrupted and high-end medical care according to the amount of insurance and the hospital selected. On the premise of social security, you can not consider low-end medical care (you may only be reimbursed in one of the medical insurance and medical insurance).

For short-term critical illness insurance, it is not recommended to apply for short-term critical illness insurance if you are not in particularly poor economic conditions, after all, the prevention of critical illness is a long-term thing, and it is not enough to prevent it for one year. 4. How to match: Before applying for insurance, you need to reasonably plan the matching method of the two according to your actual situation and the economic level of the bad calendar. Suppose that people who often go to the hospital with minor illnesses and pains can add more protection to the medical insurance; Those who are the breadwinners of the family** can make the sum insured of critical illness insurance sufficient.

Social Insurance Law of the People's Republic of China》 Article 24 The State shall establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Although, critical illness insurance.

It is an insurance product that protects the life of the insured, but there are obvious differences between medical insurance and critical illness insurance in all aspects, and medical insurance cannot replace critical illness insurance, so it is necessary to buy critical illness insurance!

Critical illness insurance is an insurance that allows the insured to pay funds to compensate for the critical illness after the insured suffers from a covered illness and meets the claim conditions.

The loss of income, follow-up long-term expenses, hospitalization and other expenses can prevent the lives of loved ones from being changed by a serious illness as much as possible, and critical illness insurance can make up for economic losses, while medical insurance does not have this function. After the contract comes into effect, there will be no risk of discontinuation, and there will be no premium** due to the increase in age, and the rights and interests of the insured will be protected for a long time.

Medical insurance is a kind of reimbursement insurance, which is used to solve the problem of medical expenses, and can only reimburse a series of expenses incurred due to medical treatment, and expenses other than medical expenses cannot be reimbursed. In the popular medical insurance on the market, there are not many products with a lifetime protection period, most of them are short-term, and it is easy to renew the insurance due to various reasons such as the insured's physical condition, claim history or suspension of sales, and the biggest uncertainty of medical insurance is renewal. The fact that this product can be renewed does not necessarily mean that it can be guaranteed to be renewed, of course, the detailed renewal matters depend on the terms of this product, and there are still many products that can be renewed in stages.

If there is only one kind of medical insurance in the insurance configuration, for us, the protection effect is really too light, and the senior sister will not repeat more specific reasons today, and friends who want to know more can read this article: Can medical insurance replace the role of critical illness insurance?

Transferring risk is the purpose that drives us to buy insurance, so that we can have a strong protection in the event of an accident or illness. It does not mean that critical illness insurance must be more important than medical insurance, on the contrary, medical insurance is not necessarily important to major illness insurance, both have their own advantages, medical insurance can reimburse the expenses incurred by daily illness, and critical illness insurance is when the insured suffers from a critical illness. Choose insurance that complements each other, and the right combination can complete our protection plan!

For those who don't know how to configure insurance, please check this insurance guide: How to choose insurance for different ages? There's something for everyone.

It is necessary to buy insurance to be resistant to buy critical illness insurance. There are several main reasons to buy critical illness insurance:

1. The incidence of major diseases is getting higher and higher. The incidence of disease increases with age. Crack the balance.

2. The cost of taking critical illness is getting higher and higher. In the case of a critical illness, the cost is very high, and if you buy critical illness insurance, you will share most of the costs and reduce the pressure.

The two are not contradictory.

I understand that critical illness insurance is a one-time compensation after the diagnosis of critical illness, because suffering from critical illness will affect work, which means that it will affect income, which can be used as compensation.

Medical insurance is generally a good reimbursement for the medical expenses of the brother who has not seen the disease, and it is to reduce the medical burden and cost.

If possible, it is safer to buy them all.

I don't think it's necessary, but it depends on your personal financial ability.

If you have certain economic conditions, you can buy it, and it is better to have more insurance.

The medical insurance and critical illness insurance of commercial insurance do not pay for congenital, genetic, genetic, and past medical history of Juefan. Does the insurance ** person have a sedan spine at the time of sale?

There are many options for medical insurance, so it is advisable to buy a comprehensive one.

Although critical illness insurance and medical insurance are both protection-type insurance, the difference between medical insurance and critical illness insurance is obvious, and medical insurance cannot completely replace the role of critical illness insurance for the insured.

Critical illness insurance is a benefit-type insurance, after the insured suffers from the disease clearly indicated in the insurance contract, collect information like the insurance company to apply, after being approved, the insured will get a sum of money paid by the insurance company, which can compensate for the loss of income caused by the critical illness, hospitalization and follow-up expenses, etc., as far as possible so that the life of relatives can not be changed by a serious illness, and the function of critical illness insurance can make up for economic losses is not available in medical insurance. After the contract comes into effect, there will be no risk of discontinuation, and there will be no increase in premiums as you get older, so the insured can have a long-term and stable protection.

As a reimbursement insurance product, medical insurance solves the problem of medical expense insurance generated by us, and the reimbursement content is limited to the medical expenses in the process, and other expenses are not within the scope of medical insurance, and are often combined with social security to solve serious medical problems. At present, there are not many medical insurance products that protect life, and the protection period of most products is very short, and there is a high probability that the policy cannot be renewed due to the insured's physical condition, claim history, and suspension of sales, and the renewal is uncertain. Although the insurance can be renewed, it is not guaranteed to be successfully renewed, of course, we have to look at the terms of this product to decide whether the insurance can be renewed, and there are still many products that can guarantee the phased renewal.

Only equipped with medical insurance, we can not get the best protection, I will not explain to you more detailed reasons, interested friends can read this article: can medical insurance replace the role of critical illness insurance?

We buy insurance to avoid risks, in case of unfortunate accidents and illnesses, we can have a strong protection. Don't make the mistake of thinking that critical illness insurance must be more important than medical insurance, on the other hand, medical insurance is not necessarily more important than major illness insurance, both have their own advantages, medical insurance is used for the expenses incurred in ordinary medical reimbursement, and critical illness insurance is to pay a compensation after the insured reaches the claim standard, and there will be no conflict between the two! Choose insurance that can complement each other, and the right combination can complete our protection plan!

For those who don't know how to configure insurance, there is a guide for please check: How to choose insurance for different ages? There's something for everyone.