What critical illness insurance is suitable for 34 years old, and which one is more suitable

Nothing is suitable. It just depends on what your personal needs are, there are reasons why you are cheap, and there are reasons why you are expensive.

Critical illness insurance is broadly divided into two categories, one is a lump sum payment. There is also a type of multiple payments.

The former is relatively cheap, and the latter will be a little more expensive. However, the likelihood of multiple payments is very low.

I won't specifically recommend which one to choose, because that's a personal will, not necessarily what you want.

A few suggestions for you:

1. When purchasing critical illness insurance, it is not based on the amount of insurance coverage, but on the protection interests of the contract. Some companies can split a malignant tumor into n multiple cancers. Even if the same disease is covered in mild cases, the specific degree of the disease will be different.

2. In addition to the cost of treatment, there will also be nursing expenses for some companies' critical illness insurance. After all, if you suffer from a serious illness, you will lose the ability to earn money from work. And most diseases such as cancer can be **, as long as the survival period exceeds 5 years, it can be restored to normal people.

Therefore, I personally think that the cost of recuperation is also very important.

3. In addition to security, service is also very important. Many companies will have some value-added services, as long as they meet a certain premium threshold. For example, SOS emergency rescue, green channel for medical treatment, multiple diagnoses by experts, ** consultation, etc.

What should I pay attention to when buying a critical illness?

Answer: Critical illness insurance in the market can be divided into regular principal repayment critical illness and lifelong consumption critical illness! The sum insured is 5-10 times the annual income, which is reasonable!

The following issues must be paid attention to when handling the customer:

1. Customers decide to buy main insurance or additional insurance according to their own situation! The main insurance is relatively more advantageous!

2. It is more appropriate to have about 25-35 types of disease protection for critical illness insurance, because the product is designed according to relevant medical data!

3. Children are not suitable for critical illness insurance, because most children's diseases are congenital and are not covered by critical illness insurance! You have to try to get through the claim by taking out commercial maternity insurance!

4. The most suitable age for handling critical illness insurance is about 20 years old, and the high-incidence age group is between 30-60.

5. Pay attention to insurance liability: compensation amount, nursing care, etc.! If there is an advance payment, it will be more humane! If you are able to get sick, you will receive a portion of the benefit!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

What critical illness insurance is good for 40-year-olds, who can say.