Million medical insurance is so good, do you still need to buy critical illness insurance?

Critical illness insurance is to make up for the loss of income and later nutrition expenses, and medical insurance is to reimburse the medical expenses spent, which has different functions.

I summarize the difference between Million Medical Insurance and Critical Illness Insurance as follows:

1. Scope of protection.

Critical illness insurance only covers critical illness, mild and moderate illness as agreed in the contract, and the types of diseases it covers are limited, and not all diseases can be covered.

Whether it is an accident or illness hospitalization, or a medical expense incurred by a special outpatient emergency, as long as the deductible is exceeded, it can be reimbursed according to the agreement of the company, and it does not limit the type of disease.

2. Payment method.

Critical illness insurance is a one-time loss of money, if you have a critical illness and meet the conditions, you buy 300,000 Xiaobrother Baoqiao Xian, you will be paid a one-time compensation of 300,000.

Million medical insurance is reimbursement, how much you spend on medical expenses, according to the proportion agreed in the contract, the reimbursement will not exceed your total expenses.

3. Function. The main role of critical illness insurance is to make up for the loss of income, as well as to pay for the nutrition and living expenses of the first period, and there is no restriction on the use of its insurance money.

Million dollar medical insurance is earmarked and can only be used to reimburse medical expenses.

Pay attention to attentive insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and make buying insurance an easy task!

Million Medicare.

1.Different payment methods: Critical illness insurance is based on the payment method that as long as you get a contracted illness within the insurance period and meet the claim criteria, the insurance company will directly pay a sum of money, while medical insurance is a reimbursement product.

You need to pay for the hospitalization first, and then the insurance company will reimburse you according to the contract.

2.The function is different: the money paid for critical illness insurance is free of charge, and can be used for ** recuperation, or for daily household expenses. However, the nature of medical insurance reimbursement determines that it can only be used for ** diseases and cannot be used for other purposes.

3.From the perspective of underwriting standards: according to physical conditions, the order of underwriting from strict to loose is no deductible medical insurance, million medical insurance, critical illness insurance, cancer prevention insurance, life insurance, and accident insurance.

Extended Information: Notes:

Buying insurance is buying protection, and protection always comes first. Medical insurance is more complex and covers outpatient, inpatient, surgical, advance payment, etc. , these should be considered in combination with needs.

Different million medical insurance and value-added services are different. For example, some support the purchase of drugs, some have proton heavy ions**, some can pay in advance, and some families share the deductible. As far as an advance payment is concerned, something is better than nothing.

If conditions permit, it is necessary to buy critical illness insurance and million medical care, because critical illness insurance solves the problem of recuperation and economic loss after illness. Million Medical solves the problem of medical costs, so the problems solved by the two are not the same.

It is necessary to buy both million medical insurance and critical illness insurance, but if the economic conditions are limited, you can start with critical illness insurance first, and then buy million medical insurance. The roles played by the two are not the same, and the content of the insurance, the period of coverage for late banquet returns, and the method of compensation are also completely different. However, the sooner you buy critical illness insurance, the cheaper the premium, the more protection you can choose from, and the easier it is to inform you about your health.

The role of Million Medical Insurance is to supplement medical insurance. It can be seen that the role of millions of medical insurance is relatively large.

Because medical insurance has a minimum payment line and a ceiling line, and it also has to follow the provisions of "two fixed points and three catalogs". Therefore, the reimbursement amount and scope of medical insurance are limited. With the Million Medical Stool Insurance, the part that cannot be reimbursed by the medical insurance can be "contracted" by the Million Medical Insurance.

Especially when hospitalization due to serious illness incurs large expenses such as outpatient, hospitalization, and medicine, million medical insurance is particularly important. Therefore, it is necessary to buy a million-dollar medical insurance to provide adequate protection.

Summary. Hello, about your question, I think that if you buy million medical insurance, you can also buy critical illness insurance if the premium budget is sufficient, because million medical insurance is a reimbursement type, with restrictions on reimbursement ratio, deductible, etc., and the protection period is one year, and it cannot be guaranteed to be renewed for a long time; Critical illness insurance, on the other hand, is a fixed amount of benefits, which does not conflict with million-dollar medical insurance, and can be insured for long-term or lifetime protection.

However, the premium of the Million Medical Insurance is cheaper than the Major Illness Insurance, which is more suitable for people with a small budget.

Is it necessary to buy critical illness insurance if there is a million medical insurance?

Hello, about your question, I think that if you buy million medical insurance, you can also buy critical illness insurance if you have a sufficient premium budget, because million medical insurance is a reimbursement type, with restrictions such as reimbursement wheel spine ratio and deductible, and the protection period is one year, and long-term renewal cannot be guaranteed; Critical illness insurance, on the other hand, is a fixed amount of payment, which does not conflict with million-dollar medical insurance, and can be insured for long-term or lifelong protection. However, the premium of the Million Medical Insurance is cheaper than the Major Illness Insurance, which is more suitable for people with a small budget.

Now I'm going to have hemorrhoid surgery, and I can't.

Minor surgery should not be claimed.

What is the big wood j

Surgery. It is written on the insurance policy that if you are hospitalized, you will have to spend a certain amount to be reimbursed.

Specifically, you can find out from the person you sell the insurance to.

Elephant Insurance Exclusive Answer: Hello, when you have critical illness insurance, after your body has health problems, you can submit a claim application to the insurance company according to the diagnosis record issued by the hospital, and the insurance company will give the insured amount of critical illness insurance if you meet the claim conditions, and take the money**. Usually, critical illness is a lengthy process, and after the end of the illness, we can be reimbursed with a medical bill through a million medical insurance.

In this way, we can first use critical illness insurance to solve the problem of "no money", and then use millions of medical insurance to reimburse ** expenses, so that we can have enough money for the expenses of the family in the first period, and will not bring an unbearable impact on the family economy due to illness. So, even with millions of medical insurance, we still need critical illness insurance.

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

Need. Million medical insurance and critical illness insurance are complementary to each other, and medical insurance can only reimburse medical expenses, not replace critical illness insurance.

1.Critical illness insurance and million medical insurance have different coverage and can operate as complementary. Among them, critical illness insurance can mainly pay a sum of insurance benefits after the insured suffers from a serious illness such as a malignant tumor or cerebral hemorrhage specified in the insurance contract and meets the conditions for claims.

Million Medical Insurance can mainly reimburse the reasonable and necessary medical expenses incurred by the insured due to illness or accident;

2.If the insured meets the conditions for payment of both critical illness insurance and million medical insurance, he or she can use the million medical insurance to reimburse the relevant medical expenses, and then use the critical illness insurance to make a claim.

3.The Million Medical Insurance does not have death protection, while some critical illness insurance policies can cover death.

4.The premium of the Million Medical Zen Match Insurance is relatively cheap, and even if the critical illness insurance and the Million Medical Insurance are purchased at the same time, the premium payment pressure that the insurance companion needs to bear has not increased much.

1.Critical illness insurance and million medical insurance have different coverage and can complement each other. Among them, the critical illness insurance can mainly be used to pay the insurance money after the insured suffers from a serious illness such as malignant tumor and cerebral hemorrhage, and meets the requirements of the claim clause.

Million Medical Insurance can mainly reimburse the insured for reasonable and necessary medical expenses due to illness or accidents;

2.If the insured meets the compensation conditions of both critical illness insurance and million medical insurance, he or she can use the million medical insurance to reimburse the relevant medical expenses, and then use the critical illness insurance to compensate the insurance money;

3.Million medical insurance does not have death protection, and some critical illness insurance can die;

4.The premiums for Million Medicare are relatively cheap. Even if you buy critical illness insurance and medical insurance at the same time, the pressure on the policyholder to pay the premium has not increased much.