What should I do if I buy critical illness insurance for retirement?

Critical illness insurance can be divided according to different types of insurance, and if it is divided according to the insurance period, it can be divided into term critical illness insurance and whole life critical illness insurance. How to match and choose? See here for details:

Critical illness insurance for term or lifetime? Is it guaranteed to be 70 or 80?

If it is divided according to the form of payment, it can be divided into proportional payment critical illness insurance, additional payment critical illness insurance, independent main insurance critical illness insurance and early payment critical illness insurance. The details are as follows:

1. Fixed-term critical illness insurance.

Term critical illness insurance is based on critical illness protection, which only provides a definite period of protection, and if the insured suffers a critical illness within the scope of the contract, the insurance company will pay insurance benefits to the beneficiary. If the insured person does not suffer from a critical illness at the end of the term, the insurance company will not be liable to pay the insurance benefits and will not refund the insurance benefits.

2. Whole life critical illness insurance.

Whole life critical illness insurance is to provide lifelong protection for the insured, and there are two main forms, one is the critical illness protection provided by the insured, knowing the death of the insured; The other is that when the insured survives to the limit age agreed in the contract, the insurer can pay the same amount of insurance money as the critical illness insurance, and the insurance contract will be terminated.

3. Additional benefit-based critical illness insurance.

Critical illness insurance with additional benefits is generally used as a rider to life insurance, and the insurance liability is mainly in two categories: critical illness and death and high disability. Of all critical illness insurance types, the advantage of this product is that the death benefit is always present and does not diminish the death benefit due to the payment of the critical illness benefit.

4. Advance payment critical illness insurance.

Early payment critical illness insurance covers sickness and death. In general, the sum insured on death is the total sum insured. If the insured suffers from an illness within the scope of the contract, the insurance company will pay a certain percentage of the death sum insured in advance for the insured's medical expenses.

When the insured dies or expires, the beneficiary can receive the remaining death benefit.

5. Independent primary insurance type critical illness insurance.

Critical illness insurance includes two parts: critical illness and death liability, if the insured suffers from a critical illness, the insurance company will pay the critical illness insurance benefit, and the death insurance benefit will be zero. If the insured person does not suffer from a critical illness, the death benefit is payable.

6. Proportional payment critical illness insurance.

Proportional payment critical illness insurance is set for the type of disease, and the proportion of payment for critical illness with high incidence and high cost is higher, some as high as 80%.

To consult the insurance business, you can choose Mint Insurance, Mint Insurance's strict consultant screening standards, only to deliver professional value, bringing together 300,000+ industry head sales consultants, multi-dimensional screening, one out of ten thousand, and targeted invitation to help consumers choose the most suitable insurance products.

Hello, I don't know which critical illness insurance you have purchased? For example, if you buy a lifelong critical illness, when the insured lives to the age of 80, he feels that he no longer needs the protection of critical illness, but is faced with the lack of pension money, at this time, he can surrender the policy and use the cash value of the policy as a pension. Some critical illness insurance will also have this function, but it still depends on the terms of the product, and there is an insurance consultation to pay attention to the message at any time.

Critical illness insurance for the elderly? No, you have to buy pension insurance, or whole life insurance, but critical illness insurance.

For critical illness insurance.

As far as endowment insurance is concerned, the scope to which they belong is different, and the role of protection is also different, so it is recommended that you should buy according to your actual situation and needs.

Critical illness insurance is one of the more popular types of insurance, which is mainly for the critical illness that the insured may have in the future.

That is to say, if the insured is replaced with a critical illness as agreed in the contract and meets the conditions for claims, then the insurance company will pay the critical illness insurance money according to the contract, and the critical illness insurance money is not specified for purpose, that is to say, after getting the insurance money, it can not only be used for the compensation of ** expenses, but also for the compensation of family living expenses, etc., which is more flexible.

Regarding pension insurance, in fact, we can divide it into two situations, usually what we call endowment insurance refers to five insurances and one housing fund.

Among them, the pension insurance, which is mandatory to pay every month, when we reach a certain age, then the money will be returned to us. Generally speaking, endowment insurance can be divided into employee endowment insurance.

and urban and rural residents' pension insurance, which is also a kind of social security. The state advocates that everyone should pay social security. The other type of pension is commercial insurance.

Among them, endowment insurance, such as life insurance, etc., belongs to the category of commercial insurance.

For commercial insurance, critical illness insurance and life insurance are compared, then critical illness insurance is relatively important, life insurance can wait until the economic budget is more sufficient to supplement the purchase, and if the endowment insurance refers to the endowment insurance in the five social insurances and one housing fund, then it is recommended that you should still equip the basic social security, after all, social security and commercial insurance are lower than the first, and the scope of reimbursement is also larger, which is also the embodiment of national social security. Critical illness insurance is a commercial insurance, and if you can equip it as much as possible, if your budget is really tight, you can buy short-term critical illness insurance first to make the transition.

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

Critical illness insurance and endowment insurance have different protection targets and different protection functions. [Click to get a free 1-to-1 insurance consulting service].

Critical illness insurance is designed by grandchildren to cope with the cost of critical illness, and mainly bears the risk of protecting the insured from sudden critical illness, requiring a large amount of ** and surgical costs. Critical illness insurance has the characteristics of high sum insured, relatively expensive premiums, and certain coverage, and is generally suitable for people who are younger and need emergency protection.

The endowment insurance is to solve the pension problem of the elderly, mainly to protect the income, welfare, medical and other needs of the insured after retirement. Endowment insurance has the characteristics of low insurance amount and relatively high premium, which is suitable for middle-aged and above people to buy.

To sum up, critical illness insurance and endowment insurance have different protection objectives and characteristics, and buyers need to make choices according to their own needs. If you are a young person and have emergency** expenses, you can give priority to purchasing critical illness insurance; If you are middle-aged or elderly and need to solve the pension problem, you can give priority to purchasing pension insurance. Of course, if you are financially able, you can also purchase both types of insurance at the same time to protect your comprehensive risk needs.

In the 15 years of the company's development and growth, Runan Insurance has always provided customers with good products and technical support, sound after-sales service, the company is mainly engaged in the national region for the policyholder to draw up insurance plans, select insurance slag people, and handle insurance procedures; Assist the insured or beneficiary in making a claim; reinsurance brokerage; Provide disaster prevention, loss prevention, risk assessment, and risk management consulting services for clients; Other businesses approved by the China Insurance Regulatory Commission. <>

The protection role of critical illness insurance and endowment insurance is different, and the content of protection is also different. Generally speaking, for most people, they need to allocate critical illness insurance before considering endowment insurance. Because critical illness insurance is a protection insurance, it can help the insured transfer the economic risk caused by the occurrence of critical illness, so that the insured can have money for treatment, have money to do money, and even compensate for the loss of income.

Endowment insurance is an insurance with a financial nature, focusing on financial management functions, and the protection function is generally weak. So what does a good critical illness insurance look like? Those who want to know can miss this list:

Top 10 Popular Critical Illness Insurance Worth Buying!

Pension insurance mainly refers to pension insurance products, annuity insurance is a one-time or installment payment of premiums, to a certain number of years, the insured can receive a sum of money on a monthly or annual basis, which can allow the insured to have money in the old age to ensure the quality of life of the elderly, to achieve "old age". Want to know what pension insurance is worth buying? Then you might as well take a look at this ** point:

Top 10 commercial endowment insurance in terms of cost performance!

It's not enough to know what kind of insurance is suitable for you, and there are some precautions to pay attention to before buying insurance. For example, the sooner you buy critical illness insurance, the better, because the sooner you buy it, the cheaper it is. When buying critical illness insurance, you need to tell the truth about your health notice, otherwise it may affect your claim.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

In combination with personal protection needs and economic conditions, critical illness insurance and then endowment insurance are generally considered.

It is recommended that everyone buy insurance first and then manage their finances, because in the face of economic risks caused by illness and accidents, it is difficult to transfer such economic risks even if they have purchased insurance with a reasonable and lenient nature.

Critical illness insurance, on the other hand, focuses more on risk management and can transfer the financial risk caused by a critical illness. The endowment insurance is used to plan the insurance of funds, focusing more on financial management, Sen Qiao Lao suggested that it should be considered on the basis of the allocation of protection insurance.

The source of endowment insurance and critical illness insurance depends mainly on personal needs. Because there is no conflict between endowment insurance and critical illness insurance, it can actually be guessed that endowment insurance and critical illness insurance can be purchased at the same time if economic conditions allow. If the financial conditions do not allow, you can buy critical illness insurance first.

According to the relevant data, the probability of suffering from a major disease in a person's life is as high as 72%, and because the first major illness needs to cost a lot of money, this money is unaffordable for many families, so in the case of economic conditions do not allow, you can give priority to buying critical illness insurance for yourself, when the economic conditions allow, the policyholder can buy endowment insurance for himself on the basis of critical illness insurance.

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

There are differences in the object and scope of these two guarantees, so they cannot be simply compared. Critical illness insurance can be mainly divided into return-type and consumption-based critical illness insurance, the former is suitable for families with financial ability, and the latter is suitable for families with weak financial means. Pension insurance for the blind can be mainly divided into dividends, pension, and elderly insurance, etc., which consumers should buy according to their needs.

Consumer-based critical illness insurance is a relatively common critical illness insurance, usually more affordable, often around a few hundred yuan, and the coverage is also relatively comprehensive, not only covering critical illness protection, but also with accident and medical protection, more suitable for young people to insure themselves, because young people are relatively weak in economic foundation and physical fitness in the best condition in their lives. Compared with consumer-based critical illness insurance, return-based critical illness insurance is more expensive and more suitable for people with certain financial means. Cancer is a relatively common critical illness, and the current cost of ** cancer is often more than tens of thousands of yuan, and the high cost of care and nutrition in the later stage should not be underestimated, so when choosing critical illness insurance, you need to pay special attention to whether the selected product contains this protection, and if necessary, you can also purchase an exclusive cancer critical illness insurance.

The purchase of returnable critical illness insurance to accumulate pension funds is a more common pension insurance plan, which can also obtain a certain amount of insurance income while taking into account the basic critical illness protection of the insured object, and the insurance income obtained can be used as future pension funds, which is more suitable for people with insufficient basic protection. Purchasing investment wealth insurance to accumulate pension is another common commercial pension insurance program, which has the advantage of not only providing old-age security, but also strengthening the basic protection of the insured object. Investment and financial insurance in the market include:

Participating insurance, universal insurance and investment-linked insurance. If the economy is relatively stable and there is no bulk consumption plan in the short term, it is better to buy dividend insurance to accumulate pensions, and the dividends of dividend insurance are linked to the operating conditions of insurance companies, so it is better to apply for products launched by large brand companies with stable operation and strong investment ability. The advantage of the special commercial endowment insurance accumulation pension plan is that the transfer is dedicated, which can be provided with exclusive pension care for the same year, and is suitable for people who have comprehensive basic protection to buy.

Hello, regarding your hypocrisy, I think health insurance is well deserved, especially "critical illness insurance". However, since most people do not have a thorough understanding of critical illness insurance, there are many people who apply for insurance, and there are many people who complain, such as finding it difficult to settle claims. Today, the professional insurance planners of Sycamore Insurance Network will teach you how to choose a suitable critical illness insurance product for yourself according to the terms of insurance, avoid claims disputes, and easily obtain satisfactory protection.

In short, critical illness insurance refers to meeting the conditions for compensation, such as the diagnosis of a certain disease within the scope of coverage, the insurance company pays the insurance money according to the contract, and the money can be used at will to be used for renting the book, or to make up for the loss of income. Although it is the same health insurance as medical insurance, it is quite different in nature, and it is necessary to recognize the role of critical illness insurance before applying for insurance. What are the differences in the protection responsibilities of different critical illness insurance products?

Nowadays, critical illness insurance products emerge in an endless stream, after decades of development, the protection liability is more and more abundant, different critical illness insurance products will be designed in different ways in terms of protection liability, and our type Sakura can be distinguished from it.

Hope it helps.