Which is better, health insurance or critical illness insurance? Should I take out two insurances at

If you have money, you can invest together, and if you don't have much money in your family, you should consider it carefully. Relatively speaking, critical illness insurance is the first thing to consider.

Everyone must have a health insurance. Because health insurance is used for reimbursement, critical illness insurance is used to compensate for the loss of economic income.

In fact, critical illness insurance is included in health insurance, but it is not fully covered. In general, all inpatient medical care for illnesses, including hospitalization for critical illnesses, is covered by health insurance. However, critical illness insurance is different, and the insurance company will pay a claim after the critical illness insurance is confirmed to meet the conditions for critical illness insurance claims.

Therefore, health insurance and critical illness insurance have their own advantages and disadvantages, and the coverage of health insurance is relatively large, but the pertinence is not strong; Critical illness insurance is more targeted, but the coverage will be relatively small, for example, the children's critical illness insurance on Ping An Insurance**, the main coverage is children's critical illness. Of course, if you want to give yourself a more comprehensive protection, it is recommended that you buy two types of insurance at the same time.

The health insurance you are talking about refers to the hospitalization medical insurance, the content of the two products is different, not to say which is better, the comprehensive protection needs to be bought, hospitalization refers to the medical expenses spent during hospitalization because of illness to find the insurance company for reimbursement with invoices, critical illness insurance refers to once diagnosed, the insurance company pays a lump sum according to the amount bought, no invoice is required, and there is no restriction on use. Critical illness insurance is mainly used to make up for the loss of income and later expenses. Hope it helps you, hopefully. Thank you.

For the sake of their own health, many people will purchase health insurance and critical illness insurance in advance. Health insurance mainly includes critical illness insurance and nursing care insurance.

The difference is:

1. Health insurance refers to the insurance that insurance companies pay for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing care insurance. Critical illness insurance is designed to ensure the risk of catastrophic expenses due to certain agreed critical illnesses in order to avoid the severe impact of critical illness on the family's finances.

2.Critical illness insurance is a type of health insurance that can be paid for a critical illness in a diagnosis contract, regardless of the amount of medical expenses. Health insurance also includes types of insurance such as hospitalization expenses, hospitalization allowances, surgical expenses, etc.

These products are usually additional insurance, and if the insured is hospitalized, a claim needs to be made according to the proportion of expenses agreed in the contract, and the claim is basically limited; The other is the hospitalization subsidy, that is, how much is subsidized per day according to the number of days of hospitalization, and it has nothing to do with medical expenses.

3.Critical illness insurance is insurance after the diagnosis of the illness meets the conditions for critical illness insurance claims, regardless of whether the insured accepts it**; Health insurance is compensation for the cost of the process. If there is no ** and expenses, the health insurance will not pay out.

It can be seen that health insurance includes critical illness insurance, but it is not fully covered.

Health insurance refers to insurance in which the insured person's insurance benefit is paid by the insurance company when the insured person suffers from an illness. In fact, many people don't know that critical illness insurance is a kind of health insurance, and the health insurance on the market is mainly divided into critical illness insurance and medical insurance. So what's the difference between the two?

If you are in a hurry, you can click here:What is the difference between critical illness insurance and medical insurance? Will there be a conflict when making a claim?

1. Critical illness insurance

Critical illness insurance is essentially "loss of income insurance", or is it a benefit-type insurance. If you unfortunately suffer from a critical illness, you will receive compensation directly from the insurance company, and we can not only use this money to make up for the loss, but also to use it for various expenses at home, and the financial pressure on the family can be reduced temporarily.

Nowadays, there are many critical illness insurance products on the market, in order to prevent everyone from stepping into the pit, I have also screened out a few good products, you can refer to them:"Freshly Baked: A Big Inventory of Top 10 Popular Critical Illness Insurance Worth Buying is Here! 》

2. Medical insurance

It's just that if we want to buy health insurance that matches our needs, we need to be careful

1.Pay attention to health notices

We need to apply for insurance only in accordance with the content of the health notice, the health notice is very perfunctory or can conceal the disease, although the insurance company will not compensate if the insurance is insured.

2.Pay attention to the length of the waiting period

Health insurance products have a waiting period, and if the insured person develops a contracted illness during the waiting period, the insurance company will generally not pay for it. At present, the waiting period for most products on the market is 90-180 days, and the better critical illness insurance is generally 90 days, so we should pay more attention to the waiting period.

In short, buying health insurance can reduce the financial impact of illness, and if the financial conditions allow, it is a wise choice to allocate a health insurance policy for yourself as soon as possible.

Health insurance is the abbreviation of health insurance, which refers to the insurance company that pays insurance benefits for losses caused by health reasons through illness insurance, medical insurance, disability income, loss insurance, and nursing care insurance. There are four types of health insurance: medical insurance, sickness insurance, income protection insurance, and long-term care insurance. Among them, the sickness insurance includes critical illness insurance, that is, critical illness insurance.

Critical illness insurance, also known as critical illness insurance, is a type of health insurance, which refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., when the insured suffers from the above diseases, the insurance company will give appropriate compensation for the medical expenses spent. Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced!

The first place turned out to be it!

Critical illness insurance is a type of health insurance, which includes critical illness insurance and medical insurance.

1. What is critical illness insurance?

Critical illness insurance, critical illness insurance, as the name suggests, is used to solve the expenses incurred in the event of a critical illness. "Most of my friends think that critical illness insurance means this because of their preconceived notions. Actually, this is not quite true, and if you want to know why, you need to read on.

The payout of critical illness insurance can replace the income of the insured during the ** period. It can also alleviate the family's financial crisis to a certain extent.

The sum insured of critical illness insurance is also something we need to pay special attention to. There are a number of factors that need to be considered in the sum insured of an insurance policy.

How much to buy the sum insured of critical illness insurance, the first thing that comes to everyone's mind must be the high cost.

In fact, in addition to the ** expense, we also need to consider the loss of income during the ** period; **Nutrition expenses, nursing expenses, etc. in the conditioning stage; household liabilities such as housing loans and car loans; fixed expenses for the normal life of the family, etc.

Therefore, you should determine the critical illness insurance amount according to your own income level and the contribution of personal income to the total family income.

II. Classification of Critical Illness Insurance.

As one of the more complex types of insurance among the four major types of insurance, it has many classifications.

1.Savings Critical Illness Insurance Consumption-based Critical Illness Insurance, please see "10 Consumer-based Critical Illness Insurance Reviews: There is Always One to Hit You".

The biggest difference between the two is whether or not there is a death benefit.

If there is no insurance during the protection period, the premium will be consumed, which is consumption-based critical illness insurance.

In the unfortunate event of death without critical illness during the protection period, savings critical illness insurance can be compensated, while consumer critical illness insurance cannot be compensated.

2.Single Claim Critical Illness Insurance Multiple claims for critical illness insurance.

Single-payout critical illness insurance: Traditional critical illness insurance is a one-time payment, and death and critical illness are paid only once, and the contract is terminated after the payment.

Multiple Claims for Critical Illness Insurance: On the basis of a single claim for critical illness insurance, the number of critical illness claims is increased, that is, the contract is still valid after the first claim, and after a certain interval, different critical illnesses can be paid again.

3. Choose a critical illness insurance that suits you.

1. On-demand configuration, the amount of insurance is preferred.

2. Choose cost-effective products.

3. Check whether you are eligible and inform yourself.

Fourth, summary. Therefore, for people who are very healthy, choosing products with stricter health notices for insurance is also choosing cost-effective products to a certain extent.

Hello, it's not the same.

There are two branches of health insurance: one is critical illness insurance and the other is medical insurance. In other words, critical illness insurance falls under the category of health insurance, and the scope of health insurance is more extensive. So how to choose critical illness insurance and medical insurance?

1. If the expected medical expenses are higher than the premium, you can choose medical insurance.

2. Critical illness insurance** is cheaper, but long-term investment is of great significance.

From the perspective of risk concept, the probability of hospital admission due to accident or illness** is much higher than the probability of suffering from a critical illness (such as cancer), so the rate level of critical illness insurance is much lower than that of medical insurance.

If you have limited funds to buy insurance, and you have low daily expenses for medical visits or rarely get sick and are hospitalized, but you are worried that you will become seriously ill in the future and will not be able to support the huge medical expenses, then you may want to consider purchasing critical illness insurance. According to the insurance company, the older you are, the greater the personal risk, so the younger you are, the lower the insurance cost.

3. Medical insurance includes targeted insurance, which is suitable for people with specific needs.

Comprehensive accident insurance will have branches, such as aviation accident insurance, passenger accident insurance, travel accident insurance, and so on. The same is true for medical insurance, which also has targeted insurance, such as dental medical insurance, obstetrics and gynecology medical insurance and other specialized insurance, which is simply aimed at specific risk groups.

For the same premium, once you choose targeted medical insurance, the insured amount of specific items will be significantly increased, and the cost performance of the product will be improved. At present, many Internet insurance platforms can DIY insurance, and you can quickly choose according to your needs.

4. There are 25 basic diseases in critical illness insurance, and others can be added voluntarily.

If the premium of critical illness insurance is linked to the type of disease covered, the more diseases covered, the higher the premium. The above-mentioned critical illness insurance can cover the basic 25 types of critical illnesses (the underlying diseases specified by the CIRC, including malignant tumors, myocardial infarction, etc.), and the insurance company has added 9 other types such as diabetes and colitis. For example, there are 100 types of critical illnesses in Kanghuibao.

Critical illness insurance or medical insurance, which one should I buy first? Let's first take a look at the difference between critical illness insurance and medical insurance, first of all, the role is different, the role of million medical insurance is the first expense compensation. The role of critical illness is to compensate for expenses, expenses, and loss of income.

Secondly, the payment method is different, medical insurance needs to be reimbursed by invoice, while critical illness insurance is a one-time payment after diagnosis. Third, the term of protection is different, medical insurance is a one-year short-term insurance, if there is a claim or the health condition deteriorates, it is difficult to renew the policy in the second year, and the older the medical insurance after middle age, the more expensive the premium. Critical illness insurance has a long coverage period, which can be insured for 20 years, 30 years, or up to the age of 70 or for life, and the premium will not increase after the insurance is applied.

To sum up, critical illness insurance and medical insurance are mutually complementary and mutually reinforcing, and there is no conflict between them. In order to obtain more comprehensive and systematic protection, it is recommended that critical illness insurance and medical insurance should be configured if family conditions allow. If limited by family circumstances, critical illness insurance is preferred.

Regarding health insurance, it is enough to read this, you will be more professional than 80% of insurance salesmen "Is it necessary to buy health insurance? How to buy the best deal? 》

Health insurance refers to insurance that the insurance company must pay to the insured person when the insured suffers from an illness. At present, there are many types of health insurance on the market, which are mainly divided into critical illness insurance and medical insurance. So what's the difference between the two?

If you are in a hurry, you can click here:What is the difference between critical illness insurance and medical insurance? Will there be a conflict when making a claim?

1. Critical illness insurance

Critical illness insurance is essentially "loss of income insurance" and is a type of direct payment. If you suffer from a critical illness, the insurance company will pay you directly, and the money will not only make up for the loss of income, but also be used for various expenses at home, and the financial pressure on the family will be temporarily alleviated.

Nowadays, there are many critical illness insurance products on the market, and in order to prevent everyone from stepping on the pit, I have also selected a few good products for easy reference"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

2. Medical insurance

Because of the limitations of health insurance, we need to purchase medical insurance as a supplement. If the budget allows, you can buy millions of medical insurance, with low premiums, high insurance amounts, complete protection, and generally a few hundred dollars to buy. What if you don't know how to choose a medical insurance?

Considerate, I'm ready for a long time:"The latest Top 10 Million Medical Insurance Rankings are out! 》

But then again, we want to be able to buy the right health insurance for ourselves, and we need to be careful

1.Pay attention to health notices

If there is no problem with the health notice, we can only apply for insurance, and if we cover up the disease or treat the health notice casually, the insurance company will not compensate even if the insurance is out of insurance.

2.Pay attention to the length of the waiting period

All health insurance products have a waiting period, and it is generally impossible to get compensation from the insurance company if the insured suffers from a contracted illness during the waiting period. At present, the waiting period for most products on the market is 90-180 days, and the critical illness insurance with a good reputation is generally 90 days, so we should pay more attention to the waiting period.

In short, we can alleviate the economic impact caused by the disease by buying health insurance, and if the budget allows, we should allocate a health insurance for ourselves as soon as possible.