What is the difference between critical illness insurance and medical insurance? How to choose?

Medical insurance is used to reimburse medical expenses, similar to social security, and is also a supplement to social security. Critical illness insurance refers to the commercial insurance behavior in which the insurance company pays the insurance premium in accordance with the insurance contract when the insured reaches the main diseases specified by the insurance company, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc. Medical insurance and critical illness insurance are good friends and enemies who help each other in the insurance market.

Medical insurance and critical illness insurance can be configured together to protect people in a double way.

Medicare, because of its high sum insured, tends to start with millions, so this image is called Million Medicare. It is a short-term medical insurance, the payment method is generally paid annually, the premium is not high but can be millions of insurance amounts, usually because of illness or accidents, high medical expenses can be reimbursed through millions of medical insurance. From this simple definition, we can see that there are many advantages to health insurance.

Cost-effective: Only a few hundred dollars of annual premiums can be exchanged for millions of yuan of hospitalization insurance, which is cost-effective. Restrictions on Social Security:

Social security does not support reimbursement of self-financed drugs, imported drugs, anti-cancer drugs, and targeted drugs, which can often be reimbursed. Value-added services: In addition to reimbursement of medical expenses, million-level medical insurance generally has many value-added services, such as:

Green channel for medical treatment, hospitalization, etc. Comprehensive coverage: Regardless of illness or accident, it includes examination fees, hospitalization fees, medicine fees, and surgery fees.

There are many advantages of medical insurance, and I would like to mention the disadvantages of medical insurance, but these disadvantages are insignificant compared to its advantages. Medical insurance generally has a deductible, and the part that exceeds the deductible can be reimbursed, and the deductible is generally 10,000 yuan, and there are also 5,000 yuan or 0 yuan deductible, but ** is higher. There is no guarantee of renewal, the protection period of medical insurance is usually one year, renewal is not guaranteed, and the product will not be able to continue to be protected after the expiration date or if it does not meet the conditions.

To sum up, combined with the pros and cons of medical insurance, we find that as long as the insurance conditions can be insured, the reimbursement restrictions of medical insurance are relatively small.

Critical illness insurance is what we often call critical illness insurance, and as long as the conditions of the agreement are met, you can get the corresponding compensation in a lump sum. Critical illness insurance is essentially income loss insurance. The claim amount can be used for**, loan repayment, children's education, etc.

The ultimate goal is to protect against the economic risks of serious illness. However, in order to increase the insurance protection force, the insurance company will often increase the protection for illness and minor illness, and at the same time, the death and complete disability are also attached as arbitrary liability.

The difference is very large. First of all, the scope of insurance claims is different, the amount of insurance payment is different, and the number of years of payment is also different. You should choose according to your actual economic situation.

The scope of coverage is different, the covered diseases are different, the amount of compensation is different, and the compensation to individuals is also different. I think you can choose to buy both, because the two insurances are completely non-conflicting.

The difference is very large. The insurance coverage of the two is different, the insurance claim coverage is also different, the amount that needs to be paid is different, the number of years that need to be paid is different, and the issues that need to be paid attention to are different. You should choose according to your actual situation and choose the insurance that suits you.

The difference lies in the scope of coverage, purpose, method, circumstances of compensation, and amount purchased. According to the characteristics of the disease, there are solutions to choose, understand the ** of the product, but also understand the criteria.

Medical insurance: It is a consumer product, which is launched to meet the needs of most groups in society for medical services in the context of lack of medical resources.

Critical illness insurance: its significance is not only the compensation of medical expenses, but also the more important mission is the compensation for the economic life of a person who has a disease.

Critical illness insurance is insurance that covers critical illnesses and pays out for diagnosed critical illnesses. Medical insurance is usually outpatient and inpatient reimbursement insurance, and the deductible amount is low. Buy medical insurance first, and if possible, buy a copy of critical illness insurance.

The main difference between medical insurance and critical illness insurance is that the content of the insurance is different, the payment method is also different, and the renewal method is also different.

Personally, I recommend that you allocate medical insurance on the basis of purchasing critical illness insurance, which is very important for many people, and you can protect against the financial pressure of unknown diseases in this way. At the same time, I will explain the difference between critical illness insurance and medical insurance in the following way:

First, the content of the guarantee is different.

Critical illness insurance mainly covers critical illnesses, the most important of which are tumors and cancers. As long as the coverage of medical insurance is mild, as long as you spend medical expenses, you can reimburse a certain percentage of the expenses through medical insurance. At the same time, the coverage of critical illness insurance is relatively narrow, but all of the coverage is critical illness.

Medical insurance has a wide range of coverage, but the protection for critical illnesses is relatively low. <>

2. The payment method and renewal method are different.

In the event of a claim, as long as the relevant cases can be checked, the insurance company will pay the reimbursement to the personal account in a lump sum. Medical insurance is divided into payment type and compensation type, and the compensation type of medical insurance is relatively common, when the patient goes to the hospital for medical treatment, the patient can reimburse the relevant expenses through the medical voucher. At the same time, critical illness insurance is generally accumulative, while medical insurance is consumer.

3. I recommend purchasing critical illness insurance first, followed by medical insurance.

For most people, critical illness insurance can help protect many people from critical illnesses. The cost of critical illness is very large, even under the protection of medical insurance and medical insurance, many diseases also require hundreds of thousands of yuan, which is a large cost for ordinary families. Because of this, I recommend that users from ordinary families buy critical illness insurance first.

If the financial foundation allows, you can choose to allocate a certain percentage of medical insurance, which can provide you with more comprehensive protection. <>

Of course, there is a difference between insurance and critical illness insurance, medical insurance demonstration is hospitalized, will be reimbursed, and critical illness insurance can only be reimbursed when there is a critical illness.

Medical insurance is reimbursed at a later stage, paying for one year and one year, and the scope is relatively wide, including nursing fees, examination fees, bed fees, etc., as well as follow-up drug costs. Critical illness insurance is a payment, which generally has a fixed period, there will be some age restrictions, there will be some restrictions on the scope, and the compensation will be made for critical illness. Both should be purchased as the two types of insurance have different targets.

There must be a difference, medical insurance is that as long as you get sick, then you can use this insurance, critical illness insurance is that you have to have a very serious illness, and then this insurance will take effect, give you a lot of money to go to the doctor, if you are not in good health you should buy critical illness insurance, if you have no serious illness, but a little bit of a small problem, you can buy medical insurance.

It is completely different two kinds of insurance, first of all, medical insurance is to see a doctor, and you can get the corresponding compensation after seeking medical treatment, but critical illness insurance refers to major accidental diseases, such as cancer, heart disease or cardiovascular disease, if the strength is relatively strong, these two types of insurance should be purchased.

Medical insurance is an ordinary illness that can also be insured, while critical illness insurance is only a critical illness that can be claimed, so it is better to choose medical insurance.

Critical illness insurance can be bought again and again, and many people compare the two products, with different characteristics and entanglements, and finally buy half of each, which is also a method.

Medical insurance can also be purchased repeatedly, but it cannot be reclaimed. This one is a little more complicated.

It depends on the individual's financial ability and choice to buy.

There is a big difference, first of all, the scope of insurance is different, the content of insurance is also different, and the scope and amount of claims are also very different, and the setting of years and requirements is also different. Be sure to choose the right insurance according to your actual situation.

The difference is that the scope of coverage is different, and the covered diseases are also different, and the reimbursement ratio is also different. I think you should choose according to your own situation, but I think it would be better to choose medical insurance.

As a popular type of health insurance, medical insurance and critical illness insurance always appear in pairs, and both can help protect against the risk of serious illness. But when it comes to actually buying, many people face the same question: which to buy first?

Buy one or both? Today, Bai Baojun will talk about this topic.

1. What is the difference between critical illness insurance and medical insurance?

1. The payment method is different

Medical insurance is a type of insurance that is reimbursed through reimbursement and the amount of compensation will not exceed the actual cost spent.

Critical illness insurance is a fixed payment type of insurance, and the sum insured is the amount of compensation, which has nothing to do with the actual medical expenses.

2. Premiums are different

Medical insurance** is relatively cheap, and you can get millions of medical coverage for millions of dollars.

Critical illness insurance is relatively expensive, spending thousands of yuan or even tens of thousands of yuan per year to buy hundreds of thousands of critical illness protection.

3. The duration of the guarantee is different

The coverage period of critical illness insurance generally includes 1 year, 20 years, up to the age of 70 or for life, etc., which can be flexibly selected according to your own needs.

Most medical insurance is a short-term insurance plan with one year of coverage.

4. The scope of protection is different

For critical illness and mild illness determined in the critical illness insurance contract, some products provide moderate illness protection, and only when the disease agreed in the contract is diagnosed can the compensation be obtained.

The scope of medical insurance is relatively wide, and there is no limit to the type of disease within the liability, usually not distinguishing between accidents and diseases, and there is no limit to social security drugs, as long as it meets the terms and conditions, you can apply for claims, and many products can be reimbursed for self-financed drugs, imported drugs, and bed fees.

5. The renewal conditions are different

If you apply for long-term or whole life critical illness insurance, you can renew it every year as long as you don't have insurance.

Medical insurance is a one-year product and cannot be guaranteed to be renewed, and may not be renewed later if medical records appear within the one-year period of coverage.

2. Medical insurance vs critical illness insurance, which one to buy first?

1. Critical illness insurance is the main body, and medical insurance is supplemented

To sum up, medical insurance and critical illness insurance do not conflict, but complement each other, medical insurance can solve the cost of medical treatment, critical illness insurance is responsible for the money for recuperation, and the money to spend alive. In addition, critical illness insurance covers a limited number of diseases, while medical insurance covers more types of diseases, and the two complement each other.

2. Medical insurance is preferred when you are young

When you are in good health, give priority to the allocation of medical insurance, the premium is cheap, the insurance amount is high, the economic pressure is small, and the critical illness insurance can be considered for short-term consumption, but after the family economy is sufficient, you must supplement the purchase of long-term or lifelong critical illness insurance, and the sum insured is recommended = critical illness medical expenses + two years of income.

Seniors over the age of age opt for medical insurance

The incidence of cancer rises rapidly after the age of 40, and the high risk determines the high premium of critical illness insurance, and the premium payment may be greater than the amount of compensation, which is not very cost-effective. At this time, it is more appropriate to take out medical insurance, provided that the health notice is met!

Insurance Class Notes:

The roles of medical insurance and critical illness insurance are different, and the compensation is not conflicting.

Difference Between Critical Illness Insurance and Medical Insurance:

1. The content of the insurance is different, there is no restriction on the type of disease in medical insurance, as long as it is a reasonable expense incurred in medical treatment, it can be reimbursed within the scope of reimbursement.

Critical illness insurance has restrictions on the types of diseases, and there are 28 types of critical illnesses and 3 types of minor illnesses that must be covered by critical illness insurance, and if the insurance company increases the number of other types of diseases, only those who suffer from diseases that meet the definition of the contract can receive compensation.

2. The compensation method is different, medical insurance is reimbursement, how much is spent, and the reimbursement ceiling does not exceed the actual cost. Critical illness insurance is a fixed payment type, if you suffer from a critical illness agreed in the contract, you will pay how much insurance you buy, no matter how much money you spend, pay according to the insured amount, and pay 500,000 yuan if you buy 500,000 yuan.

3. The insurance period is different, most of the medical insurance is one-year, paid for one year, and the renewal is not guaranteed. The coverage period of critical illness insurance can be fixed for decades or even for life, so you don't have to worry about renewing the policy.

4. The role is different, medical insurance is used to compensate for large medical expenses, and there is no need to pay out of pocket for medical expenses. Critical illness insurance is used to compensate for loss of income due to work interruptions.

The differences between medical insurance and critical illness insurance are:

1. The protection period is different, most of the critical illness insurance is long-term insurance, mainly to protect the whole life or to the age of 70 or 80, after the contract takes effect, the protection period and the premium paid will be directly locked, and the premium will not change with age.

Most of the medical insurance products are one-year products, and a small part is guaranteed to be renewed, and one-year products are not guaranteed to be renewed.

2. The payment method is different, critical illness insurance is a fixed payment type, generally in line with the contract for the disease can pay a large amount of money according to the contract conditions, there is no limit to the use of the compensation, you can decide by yourself.

Medical insurance is reimbursement-type, and it is necessary to provide medical records, invoices and lists to the insurance company for compensation after the hospital**, and the reimbursement amount will not exceed the actual out-of-pocket expenses incurred **.

3. The content of protection is different, critical illness insurance is to cover diseases within the scope of the contract, and medical insurance is to reimburse the necessary and reasonable medical expenses incurred by the agreed medical insurance.