How much sickness insurance should I buy? How much does it cost to buy sickness insurance a year?

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There are four principles for choosing critical illness insurance.

1) Critical illness protection must be guaranteed for life--- most critical illnesses occur after the age of 65, for most people, it is prepared when they are young and used when they are old.

2) The scope of protection must be very extensive--- there are more and more risks in modern society, and the threat to health is increasing, and the coverage of critical illness should not only cover the current common serious diseases, but also have foresight and preparation for possible new health threats in the future.

3) The amount of protection must be able to increase--- the progress of science and technology has made medical expenses show an obvious upward trend, and the impact of inflation has made the actual protection of the policy have declined.

4) The cost of insurance must be very affordable--- critical illness insurance is the safest health protection tool, which can pass on the greatest life risks with the least cost.

Just buy 100,000 yuan of insurance.

It is mainly based on your own actual situation.

It is recommended to refer to the Chinese Life Insurance of Corning Lifetime Critical Illness Insurance 770 yuan, cover 20 kinds of critical illnesses, 180 days for the first diagnosis of one or more of the 20 critical illnesses, waive the future premium, the insurance company will pay 30,000 yuan, and the contract will be terminated. If there are no 20 kinds of critical illnesses all the time, the insurance company will pay the beneficiary 30,000 yuan on the death of the insured, and the contract will be terminated. The handling of the quota is based on their own economic considerations.

The recommended amount of general critical illness insurance is 10-300,000 yuan.

According to medical records, the average medical cost of major diseases is about 100,000 yuan, if you only spend 1,000 yuan, there is no protection, it is better to put 1,000 yuan in the pension, Bo!

Personally, I think it is necessary to buy sickness insurance, although we all hope to be healthy all the time, but sometimes, the body may suffer some accidents, some diseases, and the meaning of sickness insurance will be reflected at this time. If you can, you can take out a sickness insurance for yourself, so that you can also get a protection. Of course, the most important thing is that our body can always be healthy, which is better than buying any insurance.

In general, 5,000 dollars a year. The older you get, the more premiums you will have to pay, so if you want to buy critical illness insurance, you must buy it as soon as possible.

It's about 500 yuan a year, which is not very expensive, and there is a subsidy, so I think it is very necessary to buy it.

Different insurance companies have different policies. Like the Chinese Shou, it is generally 11,400 a year. This is the total for 29 years. Like peace, that's 111,450 for 30 years.

It's usually a few thousand dollars. There are many factors to consider, each person's factors are different, the cost is also different, and the older you are, the higher the cost.

In fact, if you think about how much to buy, the purpose of buying critical illness insurance is very clear.

The purpose of buying critical illness insurance is to transfer the economic risk caused by critical illness, so when considering how much to buy, you should consider how much economic income you may lose.

However, critical illness insurance is not guaranteed for all critical illnesses, and you can refer to what critical illnesses will be covered for specific conditions: What critical illnesses are covered by critical illness insurance? Read the truth about critical illness insurance in one article!

Between how much to buy to consider how much economic income may be lost, so the specific situation has to be analyzed specifically, the subject did not explain the detailed situation, then I can only talk about how to judge whether to buy more or buy less.

(1) How much is the premium?

The general recommendation is that the budget for insurance is 10% of the annual income. Therefore, before purchasing, you should calculate which insurance plans you may buy, and then choose the premium of critical illness insurance according to the proportion of different insurances.

There are many factors that affect the premium of critical illness insurance, including the sum insured, the content of the benefit, the duration of the benefit and the payment period. In simple terms,The higher the sum insured, the more coverage, the longer the coverage period, and the longer the payment period, the higher the premium.

(2) How much to buy

Because the sum insured will directly affect the amount of premium, the choice of the sum insured is also important. There are two points that should be considered in the selection of the sum insured: one is the ** expense, and the other is the annual income.

Generally speaking, the cost of critical illness** is about 300,000 yuan, so the choice of insurance amount should start at least 300,000 yuan. The ** period of critical illness is mostly 3 5 years, so the sum insured should also be in the range of annual income of 3 5 years.

(3) How long to choose the insurance period

The reason why it is said that the sooner you buy critical illness insurance, the better it is because the earlier you buy it, the more cost-effective it is, if you wait until you are 50 years old to buy critical illness insurance, it is obviously much more expensive, and you may not even be able to buy it because of age restrictions. And in general,If you have enough budget, it is advisable to purchase lifelong critical illness insurance. If the budget is not enough, keep it on a regular basis, and then make the sum insured higher.

For a detailed analysis, you can poke this article: Should I choose to protect critical illness insurance for term or life?

(4) How to choose the content of the guarantee

This is actually very easy to understand, buying an insurance is to buy a protection, that must beThe more coverage, the betterYes. I have it at the time of purchaseNote that it includes terms such as secondary compensation for malignant tumors, death liability, and premium waiverThere are some critical illness insurance products that do not have these options, but if they do, it is better to choose them if the budget is sufficient.

(5) Whether the payment period is long or short

Although the payment period is longer, the premium will be relatively higher. But if the policyholderThe economic income is stable, and it is recommended to choose long-term payment。On the one hand, the financial pressure of long-term payment will be relatively small, and on the other hand, it is easy to trigger the exemption clause.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Under the new rules of critical illness insurance, the purchase of critical illness insurance is recommended!

In general, buying insurance is not a one-size-fits-all affair, it is still neededChoose according to your own economic strength and actual situation。Different insurance products have their own different advantages, depending on your budgetChoose the best value for your budgetIt's the right thing to do.

What is the right amount of coverage for critical illness insurance? What do I need to pay attention to?

In the process of major diseases, there are many examination items and small drugs with good medical effects that are self-financed and cannot be reimbursed by social security. Therefore, in the face of high medical expenses, even if there is social security, only a small part can be reimbursed, and the critical illness insurance amount of 300,000 yuan is only the starting point, which can only be used for ** expenses.

After a critical illness** ends, there will be a longer recovery period. During the recovery period, someone needs to take care of you, and nutrition needs to keep up, and the cost of care and living is very high.

Serious diseases such as cerebral stroke sequelae, which have a high incidence rate, a high disability rate, and many complications, can generally survive for ten years with careful treatment and care. At this time, the ** fee is a large expense. Therefore, the ** fee should be guaranteed to be at least about 200,000.

In general, the sum insured for critical illness = **expense + **expense + loss of income expense. The specific amount is at least 300,000 yuan, and it is best to buy enough 500,000 yuan. If you have the conditions, you can buy 1 million, or even more than 1 million.

We also need to pay attention to the fact that the premium should be suitable for the economic conditions, and the general premium should be 5% to 15% of the annual income. Don't over-pursue a high sum insured and let the premium become a financial burden on the family, so that the gains outweigh the losses.

Promote social justice, highlight legal values, maintain personal dignity, I am very happy to serve you, if you have any questions, come to the platform for consultation I wish you all the best! Have fun!

Hello this friend, we buy the sum insured of critical illness insurance, and my dad generally recommends that you buy as high as possible, of course, on the premise of your own budget. This friend bought an insurance amount of 500,000 yuan, which should be enough.

Next, dad will introduce a little bit about how to insure critical illness insurance:

Critical illness insurance, also known as critical illness insurance, refers to the commercial behavior of the insurance company agreeing on the insured amount according to the insurance contract in the event of a specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc., when the insured reaches the status agreed in the insurance terms.

To put it simply, after the insured unfortunately meets the relevant requirements of the contract, the insurance company will pay the insurance money according to the contract.

Know that you should buy critical illness insurance as soon as possible, but don't know how to choose? Daddy tells you that you can consider these points:

1. Consumption or savings

First of all, critical illness insurance can be divided into savings and consumption. If you feel that you must have money to pay for the insurance, then choose a savings insurance, which contains death liability, not only to protect the disease, but also to get compensation after death.

However, savings critical illness insurance is generally more expensive than consumer critical illness insurance.

Consumer-based critical illness insurance, although it does not include death liability, is comprehensive and cheap, suitable for families with a limited budget.

2. Sum insured

A high sum insured can ensure that you have enough funds to support your family's living expenses in the event of a critical illness. Therefore, when buying critical illness insurance, you should choose the highest sum insured as much as possible when the budget is sufficient.

3. Guarantee period

According to the protection period, critical illness insurance can be divided into fixed-term and life-long types.

If you have a short budget, you can choose term critical illness insurance, with a coverage period of 10 years, 20 years, or until the age of 70 or 80, provided that the sum insured is high.

If you have a good budget, it is recommended to choose a critical illness insurance that lasts for life, and you don't have to worry about not being able to buy a new replacement after the coverage period expires.

4. Number of critical illness claims

If you don't have a budget, you can choose a single critical illness claim, because there are many critical illness single-payment critical illness insurance with high coverage on the market, and the premium is relatively low while providing comprehensive coverage.

Of course, if you want more comprehensive protection and want to have multiple claims for critical illness, we can also choose a product with multiple claims for critical illness.

To be honest, when you have a serious illness, you may be gone after surgery and a few days in the ICU, not to mention that the reason why a serious illness is a serious illness, no matter how much money you have, you can't afford to stay in the hospital for a few more days. Therefore, if the ** expense is supplemented by medical reimbursement, it is the safest.

Among the five major types of insurance, critical illness insurance has the most complex coverage and a relatively large premium expense.

How to buy critical illness insurance, be sure to take a look at this article "What is critical illness insurance? How do I choose critical illness insurance for myself? 》

It is recommended that the insured amount of critical illness insurance should not be less than 300,000, it is best to buy about 500,000, and if possible, you can buy more than 1 million, because there will be many compensation aspects involved after critical illness, such as **expenses, **expenses, income loss expenses, and it is recommended to buy more insurance amounts.

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!

The essence of critical illness insurance is loss of income insurance. Generally speaking, critical illness insurance should at least cover the **expenses** expenses of the critical illness and the loss of income caused by the illness (generally a critical illness will result in 3-5 years of inability to work). These three items, with reference to the average medical expenses of critical illness and the current income level of Chinese people, the basic recommendations areIt is best not to have less than 500,000 yuan in critical illness insurance in order to provide adequate protection.

Of course, if you have a sufficient budget, you can buy more of the sum insured. The sum insured of 300,000 is still relatively insufficient and cannot play a good role in protection. So, don't bother to buy 300,000 and 500,000 for the sum insured of critical illness insurance.

The sum insured is inversely proportional to the duration of the insured. When the budget is limited, whether to sacrifice the term of insurance to buy a high sum insured, or to sacrifice the sum insured to buy a long term. It is generally recommended that the sum insured be given priority and the period of time should be shortened to buy a higher sum insured, after all, critical illness insurance still depends on the sum insured.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them.

First of all, congratulations on having a good sense of insurance, as everyone becomes more and more recognized by insurance, more and more people will buy insurance, and secondly, critical illness insurance is not a question of how much to buy, but how much you can buy? For example, a person earns 5,000 yuan, earns 60,000 yuan a year, and then spends 50,000 yuan to buy insurance, isn't it unwise?

Again, no matter how good the insurance is, you need to buy your own suitable, you have the money to buy more, you don't have the money to buy less, that's it, there is a trick to choosing critical illness insurance, critical illness is the type of mild illness and critical illness stipulated by the insurance association are added by the insurance company itself, and the type of mild illness determines the quality of the product.

Minor illnesses can be waived for subsequent premiums.

Minor illnesses can be paid in addition, which will not affect the sum insured for critical illnesses.

Finally, buying insurance is a very professional thing, I hope you consult a professional or private chat, I wish you and your family a protection as soon as possible.

The planning of the sum insured of critical illness insurance is closely related to the family's financial situation and personal income. Every family is different.