How to buy million dollar medical insurance and critical illness insurance

Buy million-dollar health insurance.

Priority purchase of million-dollar medical insurance.

Million medical insurance, sum insured.

It is generally more than 1 million, hence the name "million medical insurance". The insurance amount of million medical insurance is high, ** is very close to the people, and adults around 30 years old only need a few hundred yuan to buy, which can be said to be quite good. The main responsibility of Million Medical Insurance is to cover "hospitalization", and the hospitalization expenses that meet the claim conditions can be reimbursed by Million Medical Insurance.

This solves the largest chunk of the average family's health expenditure. In addition, the Million Medical Insurance also covers some special outpatient emergencies, such as outpatient surgery, cancer radiotherapy and chemotherapy.

Outpatient renal dialysis.

Outpatient and emergency services before and after hospitalization, etc. If you have a limited budget, give priority to configuring yourself with a million-dollar medical insurance.

If your budget allows, you can allocate critical illness insurance.

Because critical illness insurance is very expensive, it costs tens of thousands of dollars a year, and it takes many years to pay it once, not everyone can bear such payment pressure. If your budget doesn't allow it, you can not buy it yet. If your budget allows, it is recommended to configure one.

Critical illness insurance is a "payout" type of insurance, as long as you meet the conditions for claims, the insurance company can give you a large amount of money to solve the hidden losses caused by illness caused by income interruption, ** expenses and other such out-of-bed losses. Especially for the breadwinner of the family, he is the main income of the family**, and bears the burden of the family, once he suffers from a major illness.

The whole family will be hit hard.

It is best to purchase both medical insurance and critical illness insurance at the same time.

Medical insurance and critical illness insurance are best purchased in combination to form a more complete protection. If you have a minor illness and the critical illness insurance can't manage it, you will use medical insurance to settle the claim; If you have a critical illness and the medical insurance is not enough, you will have critical illness insurance. Critical illness insurance can make up for the gap in medical expenses before medical insurance claims, and after medical insurance claims, the extra money can be used as income compensation, so that the family will not have a deterioration in the quality of life due to a serious illness.

Medical insurance solves the cost of medical treatment, and critical illness insurance solves the cost of recuperation, so it is more suitable to purchase together, and provide you with a full range of protection from their own perspectives.

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

If you want to buy million-dollar medical insurance and critical illness insurance, you should choose products with comprehensive protection and reasonable premiums according to your own protection needs and economic conditions. Nowadays, Internet channels provide us with more convenience, and many Internet insurance products are more affordable and have high information transparency, so if you want to buy cost-effective medical insurance and critical illness insurance, we can buy suitable products online. Senior sister shares a few tips to help you buy reliable insurance online:

How can I buy reliable insurance online? Just look at these two points!

1. Health notice.

Million medical insurance and critical illness insurance have higher requirements for the insured's physical health, and you need to truthfully inform your health before applying for insurance, if you are not in good health, you may not be able to apply for insurance smoothly through health notification, so we should try to buy it as soon as possible when you or your family members are healthy. At the same time, we can compare different products and choose products with more relaxed health notices. Senior sister will share a few tips for health notification to improve our probability of successful insurance:

What are the tips for health notification when applying for insurance?

2. Million medical insurance.

The vast majority of million medical insurance is a one-year product, when purchasing, try to choose a product that can guarantee renewal, such as guaranteed renewal for 20 years, etc., during this period of time, it will generally not be unable to renew due to physical deterioration, claims, and product discontinuation.

It is best for us to choose a million medical insurance with no social insurance coverage and a high reimbursement ratio, such as a product that reimburses 100% of medical expenses after social security settlement, which can reduce our medical expense burden to a greater extent.

3. Critical illness insurance.

When purchasing critical illness insurance, it is necessary to purchase sufficient sum insured to transfer the financial risk. The insurance period is more stable if it is as long as possible; If the economic budget is insufficient, you can choose a longer payment period to ease the payment pressure; Try to choose products with comprehensive coverage and high compensation ratio. Senior sister suggests that you find more products from other insurance companies to compare, so that you have a better chance of finding products with comprehensive protection and high cost performance, such as these ten popular critical illness insurances, you can compare and choose: Top 10 popular critical illness insurance points worth buying!

How to buy critical illness insurance and million medical insurance? We can choose from the following aspects: [Click to receive free 1-to-1 insurance consulting services].

1. Choose according to the actual needs of the individual.

To buy insurance, you need to look at the actual needs of the individual, that is, what problems you want to solve through insurance. For example, if you are worried about the heavy burden of medical expenses caused by a serious illness, especially the elderly parents or children, that is, members with little family responsibility, you can consider millions of medical insurance first, after all, in the event of a serious illness or accident, there is insurance coverage for hospitalization.

2. Choose according to your budget.

Buy insurance to pay premiums, million medical insurance and critical illness insurance may be different in this regard, the premium of million medical insurance will be cheaper, but the natural rate is used, the premium is different for different ages, but the same age, buying a million medical insurance may only cost a few hundred yuan, but critical illness insurance needs thousands. If the budget is not enough, buy a million medical insurance to establish basic protection, and then add a critical illness insurance with regular coverage in the future.

3. Look at the health of your own royal rental cave.

Whether it is to apply for critical illness insurance or million medical insurance, health notification is required, but the health notice of million medical insurance will be more strict, such as some diseases that cannot be bought by million medical insurance, such as hepatitis B, but if you choose critical illness insurance, if you meet certain conditions, you may be able to increase or exclude coverage.

If you want to know more about insurance, you can pay attention to Runan Insurance, which has a wide range of critical illness insurance coverage, covering a variety of critical diseases, such as myocardial infarction, cancer, stroke, kidney failure, etc. Purchasing critical illness insurance can provide comprehensive health coverage at different stages of life. In addition, we can provide a variety of different types of critical illness insurance products, each product has its own unique coverage coverage, protection period, premium, etc., you can choose the most suitable product according to your personal needs and budget.

Here's how to buy million-dollar medical insurance and critical illness insurance:

1. Understand insurance products: Before choosing insurance products, you need to carefully understand the products of different insurance companies, including the sum insured, premium, coverage and claim process. You can check and compare on the insurance company's official website or third-party insurance**;

2. Determine the purchase intention: After learning about various insurance products, you can choose the million-dollar medical insurance and critical illness insurance products that suit you according to your needs and budget;

4. Fill in the application form: When purchasing insurance, you need to fill in the insurance application form and fill in the relevant information according to your own situation. When filling out the application form, you need to carefully check the information filled in to ensure that it is accurate;

6. Waiting for the insurance to take effect: After completing the insurance purchase and payment, you need to wait for the insurance to take effect. In general, the insurance will be effective within 24 hours of purchase.

The materials for buying Million Medical Insurance and Critical Illness Insurance may vary depending on the requirements of the insurance company, but the following materials are generally required:

1. Identity certificate: including valid identification materials such as ID card and household registration booklet;

2. Health status certificate: Generally, it is necessary to provide physical examination reports, medical history records and other materials to prove your health status;

3. Proof of premium payment: including bank transfer voucher, bank card and other proof of premium payment;

4. Other materials: According to the requirements of the insurance company, other materials may be required, such as proof of work, proof of receipt, etc.

In summary, the material requirements for different insurance products may be different, and the specific requirements need to be determined according to the insurance product purchased and the requirements of the insurance company. It is recommended to read the terms and instructions of the insurance carefully before purchasing the insurance to understand the details of the insurance coverage, premium, claim rules and other details, so as to better choose the right insurance product for you.

Legal basis]:

Article 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

According to your actual protection needs and premium budget, you can decide to purchase Heavy Chaos Sickness Insurance and Million Medical Insurance:

1.Critical illness insurance is a fixed payment insurance, which can mainly pay insurance money after the insured suffers from serious diseases such as malignant tumors and sequelae of severe cerebral hemorrhage, and meets the claim conditions, mainly to deal with the risk of serious diseases. There are many types of critical illness insurance, including returns, purchases, multiple claims, single claims, etc.

In addition, critical illness insurance has a one-year term, a fixed reputation period, and a lifetime;

2.Million Medical Insurance is a reimbursement insurance that mainly reimburses the insured person's reasonable and necessary medical expenses due to illness or accidents. Million Medical Insurance has relatively cheap premiums and high coverage amounts, but also relatively high deductibles, which are mainly used to cover the risk of serious illness.

In addition, the guarantee period of Million Medical Insurance is generally one year, but some Million Medical Insurance plans can guarantee renewal.