Should I buy critical illness insurance if my income is not high?

Compared with high-income people, low-income people need insurance protection more, because their ability to resist risks is not strong, and suffering from a serious illness may empty the family's previous savings. In life, it is not uncommon to "become poor due to illness and return to poverty due to illness". Insurance has a small and broad role, taking regular consumer critical illness insurance as an example, a few hundred yuan per year can get hundreds of thousands of yuan of protection, which can not only effectively solve the high medical expenses of patients, but also subsidize the income during illness.

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! 》

Risk has nothing to do with wealth, whether rich or poor, they will face risks, and they need to plan for insurance as soon as possible, if they wait for the risk to come, it will be too late.

In addition to critical illness insurance, you can also purchase the following two types of insurance if you do not have a high income:

1. Accident insurance.

Accident risk is one of the two major risks faced in life, and it cannot be **, so it should also be configured in advance. Accident insurance products have high leverage, and a hundred dollars can get a year's protection.

2. Medical insurance.

Medical insurance is used as a supplement to basic medical insurance, of which millions of medical insurance is more cost-effective, and young people only need a few hundred yuan a year to insure insurance.

3. Term life insurance.

This kind of product is mainly to avoid the death of one's own accident and the family life is not guaranteed, which is very suitable for the family breadwinner insurance, if you are insuring minors, you can not consider buying term life insurance.

Regardless of income, critical illness insurance is very important to each of us. It is advisable to purchase it on demand, or purchase a term critical illness insurance, which is relatively cheaper

As we all know, critical illness insurance covers critical illnesses, essentially compensating for loss of income. If you unfortunately suffer from a critical illness, not only the **** cost of hundreds of thousands is a big expense, but also the nutrition expenses, lost work expenses, etc., without hundreds of thousands of deposits, it is difficult to bear the economic impact caused by the critical illness.

Critical illness insurance can solve all these problems, so you don't have to worry about not having money for treatment, and you don't have to worry about your family being dragged down! Therefore, critical illness insurance is so important, and the sooner you buy it, the cheaper it is! Here is a list of high-cost critical illness insurance, thank you for it

Top 10 Cheap and Good Price Critical Illness Insurance** Points!

Next, let's talk about how to choose critical illness insurance.

1.Safeguards should be comprehensive: Should cover both moderate and mild cases with a high prevalence.

The China Banking and Insurance Regulatory Commission (CBIRC) stipulates that critical illness insurance must include 25 common critical illnesses, accounting for 95% of the critical illness incidence rate. SoIt mainly depends on whether it contains mild and moderate symptoms with a high incidence of symptomsMild and moderate symptoms are the early and middle stages of severe illness, and if they are not effective, they are likely to be transformed into severe diseases, so mild and moderate symptoms are relieved as soon as possible.

2.The threshold for claims should be lowCritical illness claims are not grouped for multiple claims, and high-incidence critical illnesses (cancer) are grouped independently。Critical illness insurance with multiple claims divides the disease into several groups, one group can only pay for one disease, and even some high-incidence diseases such as cancer are also in the same group as some other diseases, which greatly reduces the probability of claims.

In other words, the likelihood that we will get the compensation is smaller, which is very impractical.

If you don't have a high income, you should also buy critical illness insurance, so that you can be protected when the illness comes. If the insurance budget is not high, you can buy consumer-based critical illness insurance, which is not expensive, and only costs a few dollars a day on average.

Of course, different groups of people have different priorities when buying consumer-based critical illness insurance, for example, female consumers can focus on some women's critical diseases, such as breast cancer, ovarian cancer, cervical cancer and other diseases.

The focus of male patients is to have a high insurance amount, generally men are the pillars of the family, once sick will have a great impact on the family, so the insurance amount should be increased appropriately, preferably more than 500,000 yuan.

Critical illness insurance is a kind of insurance with fixed payment, which refers to an insurance company that pays insurance benefits in accordance with the contract in the case of illness or medical treatment as agreed in the insurance contract. Compared with medical insurance, critical illness insurance has the following characteristics:

Fixed payment: Critical illness insurance is a fixed payment insurance, and the compensation can be stacked according to the contract if the diagnosis is confirmed, and the compensation can be stacked, and the compensation can be stacked if you buy two copies of critical illness insurance.

High insurance leverage: Critical illness insurance has high insurance leverage, for example, the 300,000 yuan critical illness insurance of Baochun Yuansun pays a premium for 20 years, and if a critical illness occurs after paying the premium for several years, it will pay 300,000 yuan according to the contract, which means that the compensation will be higher than the cost after the occurrence of a critical illness, which reflects the role of insurance leverage.

The younger the age, the cheaper the premium: Critical illness insurance is purchased at a young age, the premium is cheaper, and there will be more products to choose from, because the premium of critical illness insurance is higher the older you are, and there will be less pressure to buy critical illness insurance as soon as possible to pay the premium.

There is no restriction on the use of critical illness insurance benefits: the insurance money can also be used for follow-up expenses, or for the living expenses of family members.

Savings: Whole life critical illness insurance has a savings function, and the cash value will increase over time, and in the later stage, the cash value may exceed the premiums paid, and the policy can be surrendered for cash.

Exemption function: The policyholder or insured person is exempted from the corresponding exemption disease, and the premium does not have to be paid, but the protection is still effective.

The benefit can be used for the part that cannot be covered by medical insurance: for example, the cost of organ transplant materials cannot be reimbursed by medical insurance, but the critical illness benefit can be paid.

Critical illness insurance is the amount of insurance to buy: the amount of insurance is clear and written into the contract.

Policy loan is available: Long-term critical illness insurance can be loaned by policy, because it has a cash value, and the cash value can be lent out to relieve financial pressure.

In short, critical illness insurance is a very valuable insurance product, which can provide financial security for the insured, prevent the family from falling back into poverty due to illness, and also have savings and exemption functions. When choosing critical illness insurance, you need to choose according to your protection needs and budget.

The above is Dad's, if you don't understand something, please send a private message.

Critical illness insurance is a type of insurance that pays a certain percentage of the insurance money to help the insured pass on the economic risk if he unfortunately suffers from a good critical illness as agreed in the contract.

Whether critical illness insurance is worth insuring is worth insuring, you can look at the advantages of critical illness insurance.

Critical illness insurance refers to the fact that the insurance company takes some specific critical illnesses as the object of protection, and provides corresponding financial compensation or compensation for the insured when suffering from these diseases.

The advantages of critical illness insurance mainly include the following aspects:

1.Financial security.

Critical illness insurance provides the insured with the necessary financial protection to avoid the financial distress caused by the high medical expenses incurred due to illness. At the same time, it can also help the insured to make necessary living arrangements and adjustments during the recovery period, so that the insured can get better **and**.

2.Special guarantees.

Critical illness insurance usually covers certain illnesses as specified in certain policies, such as cancer, heart disease, stroke, etc. These illnesses often require high medical expenses and have a greater impact on life and work, and critical illness insurance provides more comprehensive and professional protection solutions for these diseases, as well as the sum insured.

3.Personalization.

Critical illness insurance can be personalized and customized according to the needs of different insureds and disease risks, such as coverage period, insurance amount, deductible, etc., to meet personalized needs. At the same time, critical illness insurance has a variety of different optional liabilities, which can be added with different benefits and different products according to customer needs.

4.Stable guarantee.

Critical illness insurance is a long-term health protection that is stable and long-lasting. Critical illness insurance can provide long-term protection for the insured, which is not affected by factors such as occupation, health status, age, etc., and is not restricted by external factors such as employment and relationship, so that the health protection of the insured is more stable.