Zhihu How to buy lifelong critical illness insurance is the most cost effective

There is no most cost-effective way to buy insurance, and it is very good to buy one that suits your needs and has comprehensive protection.

When purchasing whole life critical illness insurance, you need to pay attention to these aspects: 1. There are additional claims for critical illness 2, including value-added services 3, including death liability.

1. There is additional compensation for critical illness.

The general critical illness insurance on the market includes mild, moderate and critical illness protection, so we don't have to worry too much about the basic protection. The difference in critical illness insurance may be reflected in the proportion of additional claims for critical illness. A good critical illness insurance policy will pay an additional up to 80% of the sum insured if the insured suffers from a critical illness for the first time before the age of 60.

The best thing is that there is an additional payout after the age of 60.

Some friends may not be able to find which products have a higher proportion of additional claims for critical illness, here, the senior sister has also summarized ten critical illness insurance with a relatively high proportion of additional claims for you, if you are interested, you can understand: Top 10 popular critical illness insurance points worth buying.

2. Value-added services are included.

We need to know that not all critical illness insurance has value-added services. This value-added service is generally the Green Pass service, which can provide coordinated arrangements for hospitalization and surgery in tertiary hospitals when we are unfortunately sick. If you are unfortunate enough to get sick, you will really be in a race against time.

Therefore, it is still necessary to choose critical illness insurance with green pass service.

If you are interested, you can take a look at the evaluation article of this product: Versailles plus critical illness insurance is back, in-depth evaluation must be seen before buying!

3. Contains death liability.

When we buy whole life critical illness insurance, it is best to choose one that includes death liability. Just in case we don't meet the criteria for critical illness insurance, we also have a death benefit for our family members to help them through this sad time.

If you still have some questions about whether the whole life critical illness insurance includes death liability, you can take a look at this article: Should you choose the death return amount for whole life critical illness insurance?

Whole life critical illness insurance is generally the sooner you apply for it, the more cost-effective it is, because critical illness insurance is covered.

There is a relationship between the premium and the age of the policy, and all other things being equal, the younger the age of the insured, the less premium is required, so it is recommended that you apply for insurance as early as possible.

If you have the idea of applying for critical illness insurance, you can also take a look at this list: Top 10 Popular Critical Illness Insurance Points Worth Buying!

There is no such thing as cost-effective critical illness insurance, you first need to be suitable for yourself, and then choose the best product among the types of insurance.

There are many classifications of critical illness insurance, namely consumption, return, term, life, participating and non-dividending, among which the participating type is divided into American dividends and British dividends. Therefore, it is necessary to determine which type of critical illness insurance is suitable according to your own needs and actual situation.

Next, the specific type of critical illness insurance is determined, and then the best product of this type of critical illness insurance in the market can be said to be the most "cost-effective".

Summary. Hello dear, glad you asked!

Of course, it is necessary to buy critical illness insurance, which will be very helpful for us to prevent critical illness, and once a critical illness comes, it will give us a very strong financial guarantee.

Is it necessary to buy critical illness insurance? Zhihu.

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Hello dear, glad you asked! Of course, it is necessary to buy critical illness insurance, which will be very helpful for us to prevent critical illness, and once a major illness arrives in hail, it will make our old town weigh a very strong financial guarantee.

It can ensure that we receive a better **, and will not be delayed because of the worry about the cost.

Therefore, if the financial conditions allow, it is very necessary to purchase critical illness insurance.

You see my side explaining it like this, can you understand it on your side? Can you give a thumbs up here?

Whether or not to buy critical illness insurance depends on individual circumstances. Critical illness insurance can provide ** expenses to make up for the loss of income.

Guaranteed ** fee Qin Chang merit. At the same time, it has the disadvantages of high premiums and strict underwriting, and critical illness insurance has higher requirements for the age and health status of the insured, and the underwriting is relatively strict. Therefore, if you have a sufficient personal budget and do not suffer from a major illness for the time being, you can consider buying it.

Test your anti-risk index, experts will interpret it for you for free!

Life insurance is based on the life of a person as the subject of insurance, and the insurance money is paid to the beneficiary when the insured dies, the purpose of which is to leave a sum of money for the loved one and continue the economic life of the insured.

Critical illness insurance is a personal health insurance that pays critical illness claims when the insured reaches a specific critical illness or disease severity as agreed in the insurance terms or performs the agreed surgery, such as malignant tumors, sequelae of stroke, coronary artery bypass grafting, etc. Many critical illness insurance plans include life insurance liability and can also receive benefits in the event of the death of the insured, but this is not the main function of critical illness insurance.

There are the following differences between the two:

1. Different insurance objects: life insurance is a life insurance with the life of the insured as the insurance object and the life or death of the insured as the payment condition; Critical illness insurance is a health insurance that takes the physical health condition of the insured as the subject of insurance and pays the insurance money when the insured suffers from the illness agreed in the contract.

2. The liability for compensation is different: life insurance is paid when the insured dies or is totally disabled; Critical illness insurance is paid when the critical illness diagnosed by the insured is covered by the insurance contract.

3. The basis for calculating premiums is different: the premium of life insurance is actuarial according to the mortality rate of the insured, while the critical illness insurance is actuarial according to the probability of the insured suffering from a critical illness, and it will also be calculated with reference to the physical examination of the insured before applying for insurance.

4. Different functional significance: life insurance is the payment of claims to the designated beneficiary or legal beneficiary when the insured dies, which conveys the love of the insured, continues the economic life of the insured, and is the embodiment of love and responsibility. The critical illness insurance money is often paid to the insured, which is used to prevent the insured from having a higher cost of living due to a critical illness and the basic living expenses when the insured is unable to work for a long time due to the need for a long time, resulting in the family economy being unable to bear it and giving up the situation or having to work with illness to obtain income to maintain life, so critical illness insurance is sometimes called income loss compensation insurance.

Many critical illness insurance plans include life insurance liability and can also receive benefits in the event of the death of the insured, but this is not the main function of critical illness insurance. There are also some critical illness insurance policies that do not include death liability, and their premiums are relatively cheap.

To be prepared, young people should buy critical illness insurance just in case.

Insurance - it is literally used to protect the risks that may be encountered on the road of life, and critical illness insurance is naturally the risk of suffering from critical illness! No matter what age group it is, it is necessary to buy the right insurance product, young people are the pillars of the family, you can buy it when you are young, the first premium is low, and the second is no worries. 2021 Good health.

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.

Hello answer. Critical illness insurance, as the name suggests, is critical illness insurance, which provides protection for major diseases such as malignant tumors, acute myocardial infarction, and sequelae of stroke, and is also the type of insurance we are most often exposed to.

There is no restriction on the use of the insurance money paid by critical illness insurance, so critical illness insurance can not only reimburse the cost of illness**, but also can be used for later life**, repayment of debts, fixed expenses of normal family life, etc. Therefore, if it is to transfer the risk of serious illness, critical illness insurance is also very necessary.