Which is the best health insurance? What kind of health insurance is better?

This is designed according to your age. It is recommended that you consider New China Insurance's Health Fortune or Health Fortune.

Taikang Life's products have low health insurance premiums, high coverage, and complete coverage.

The types of health insurance in China are all similar, so there is nothing good or bad. It is recommended that the payment period is 30 years, because the additional medical treatment is insured together with the payment period of the main insurance, and if the main line payment is completed, then the additional medical treatment will no longer continue to be contracted.

Hello! There are various forms of health insurance, such as consumption, return, term, lifelong, early payment, additional payment, single payment, multiple payment, excluding mild illness, including mild illness, fixed sum insured, increasing sum insured, traditional protection, high-end medical care, etc., to meet the needs of customers of different ages, levels and needs.

You can take a look at the Health Insurance Strategy, which contains some product recommendations and precautions.

Hope mine is helpful to you! If you have any other questions, please feel free to contact me!

You can understand that Taikang Life's protection can be designed comprehensively.

Health insurance refers to insurance in which the insurance benefit of the insured is borne by the insurance company when the insured suffers from 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 short on time, click hereWhat is the difference between critical illness insurance and medical insurance? Are there any conflicts when making a claim?

1. Critical illness insurance

Critical illness insurance is essentially "loss of income insurance", and it is also a payout type. If you are unfortunate enough to suffer from a critical illness, you will directly receive compensation from the insurance company, which 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.

At present, there are many critical illness insurance products on the market, and in order to avoid pitfalls, there are a few good products that I have also picked out for referenceHow much do you know about the top 10 popular critical illness insurance that is worth buying? 》

2. Medical insurance

However, there is one thing to say, we want to configure the right health insurance for ourselves, and we have to be cautious:

1.Pay attention to health notices

If we conceal the illness or do not take it seriously when the health notice is made, the insurance company will not compensate even if the insurance is out of insurance.

2.Pay attention to the length of the waiting period

Health insurance products have a waiting period, and if the insured suffers a contracted illness during the waiting period, the insured will usually not be compensated by the insurance company. Nowadays, most products on the market have a waiting period of 90-180 days, and a waiting period of 90 days is relatively good for critical illness insurance, so we should pay more attention to the waiting period.

In summary, 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.

There is no good or bad health insurance itself, for the insured, only the right one is the best, and it is recommended that you choose reasonably according to your specific health protection needs. Insurance experts believe that, generally speaking, as long as you pay attention to a few links in the purchase process, there will not be much deviation.

First, read the terms of the insurance policy carefully. Different coverage responsibilities and definitions determine their rates. Before purchasing health insurance, you must carefully read the terms of the insurance product, especially pay attention to the provisions of the exclusions, deductibles, and exemption periods, understand your rights and obligations, and then make a rational purchase based on your own health status and economic situation.

Second, understand the length of the waiting period. Many health insurance products have a "waiting period" that will not be paid if the insured person becomes ill during the waiting period. Therefore, when choosing health insurance, it is best to choose a product with a short waiting period.

Third, the guaranteed renewal clause. That is, after the expiration of the previous insurance period, if the policyholder submits an application for renewal, the insurance company must continue to underwrite the policy in accordance with the original terms, and the rate cannot be adjusted according to the individual's risk status. Therefore, choose to with.

Products with guaranteed renewal terms are important.

Fourth, comply with the terms of truthful disclosure. When purchasing any health insurance product, you should truthfully fill in your medical condition and past medical history and other matters that need to be informed. Otherwise, once the insurance company finds that the insured person has concealed medical history, it is very likely to terminate the policy and not refund the premium.

In order to avoid possible disputes, it is necessary to "know everything and answer all questions" when applying for insurance.

Policyholders need to make a choice based on their own protection needs and financial situation. The focus of different genders, ages, and career choices varies. For example, for young people who are new to the workplace, a series of conditions such as job instability and relatively low salary levels determine their own weak ability to resist economic risks.

In the event of a risk, insurance can relieve the financial pressure.

What is the most suitable health insurance for ordinary people, do you know? See what's going on!

Million medical insurance, combined with zero deductible medical insurance, you don't have to worry about medical expenses.

In fact, each insurance company's products have their own merits, and only by choosing the most suitable insurance according to the actual situation of the insured is the most important. At present, online insurance purchase has become a development trend, and the simple and convenient process, as well as the open and transparent terms, are worthy of praise. The various health insurance products in Ping An Insurance** are very cost-effective, such as comprehensive medical insurance for the middle-aged and elderly.

Moreover, it is very convenient to buy insurance directly online, and big brands can rest assured.

There is no absolute good or bad health insurance, what suits you is the best! Commercial health insurance is to protect people's health, and the economic risks caused by the transfer of diseases are common, such as medical insurance and critical illness insurance. The experience of senior insurance consultants who have spent more than ten years is hereIs it necessary to buy health insurance?

How to buy the best deal? 》

1. Classification of health insurance

Medical insurance,Critical Illness Insurance,If you suffer from cancer, acute myocardial infarction and other serious illnesses and meet the conditions for claims, critical illness insurance can directly pay a sum of money for illness, post-surgery, and make up for the loss of income caused by illness.

2. How to buy the most suitable health insurance?

1.Critical Illness Insurance,

As a benefit-based product, critical illness insurance can be claimed if you diagnose a disease or start certain claim conditions, and you will not use too many services from the insurance company in addition to claims, so we give priority to liability and ** in critical illness insurance, and finally consider brand and service.

If the economic conditions are poor and we want to buy enough insurance coverage, then the products we choose are bound to be products with simple responsibilities and average brand and service.

If our economic conditions are relatively good, but we have not reached the point of willful spending, then we should first pick up the comprehensiveness of the guarantee, and then consider the brand and service.

2.Medical insurance,

Take the common million medical treatment as an example, because the million medical treatment itself is not much different and very low, it will not limit our choice.

However, the renewal of millions of medical care is very important, and there are many value-added services used to improve the medical experience, so word of mouth and brand are relatively important.

It is better to buy insurance insurance insurance companies are: Ping An of China, Chinese People's Insurance Company, Pacific Life, Taikang Life Insurance and Huaxia Insurance, because they have more types of insurance and are out of insurance quickly, the following introduces these cost-effective insurance companies.

1. Ping An of China.

Headquartered in Shenzhen, Ping An is a comprehensive financial services group. Ping An Life is the second-largest life insurer in China, while China's financial sector remains the most well-licensed insurer. It is currently in a transitional phase, and the internet finance sector is developing.

In March 2019, Ping An Insurance Group of China (Ping An of China) entered into a partnership with SingularityNet, a decentralized artificial intelligence (AI) startup based on Ethereum (ETH). The collaboration will focus first on optical character recognition (OCR), computer vision (CV), and model training.

2. Chinese life.

Chinese Life is headquartered in Beijing. It is a state-owned enterprise. The headquarters and its many subsidiaries constitute the largest commercial insurance group in China and one of the largest institutional investors in China's capital market. The "pillar" of China's insurance industry.

Chinese Life Insurance (Group) Company and its subsidiaries are the largest state-owned financial and insurance groups and important institutional investors in the internal capital market. The business scope covers life insurance, property insurance, corporate and professional annuity, banking, asset management, wealth management, industrial investment, overseas business and other fields.

3. Pacific Life.

Following the rules of life insurance, Pacific Life vigorously develops protection and long-term savings products, and focuses on the expansion of individual traditional insurance, participating products and short-term accident insurance business; Implement differentiated regional development strategies, while consolidating advantageous markets, and actively expand potential markets with rapid growth; Efforts should be made to enhance the ability of value growth, strengthen basic management and reform and innovation.

Strengthen the construction of sales channels, strengthen basic management and training support, promote the customer-centric product portfolio sales model, realize the continuous growth of the marketing team, and improve production capacity; Improve backup support and centralized operation platform to further improve the level of intensive operation.

The purchase of health insurance should be analyzed on a case-by-case basis. Health insurance is usually divided into long-term health insurance and short-term health insurance, and the choice of long-term health insurance and short-term health insurance should be based on one's own situation and financial ability.

1. The characteristics of short-term health insurance are that the protection time is relatively short, and the premium will be cheaper if it is a young person. However, short-term health insurance also has shortcomings, and if the insured's physical condition changes, the premium may be higher when re-insured**. In addition, consumers will also face the situation of product discontinuation, and short-term health insurance cannot be insured after the discontinuation.

2. Long-term health insurance has a long protection period and can provide protection for the insured for a relatively long period of time. Moreover, taking out long-term health insurance avoids the trouble of frequent insurance and frequent physical examinations. However, the premiums of long-term health insurance are generally more expensive than short-term health insurance.