Which one needs to be bought more, million medical or critical illness insurance?

Medical insurance and critical illness insurance are two different types of insurance, and their concepts and uses are also different, so you need to choose to buy them according to your own situation. [Click to get a free 1-to-1 insurance consulting service].

1. The importance of medical insurance.

Million Medical Insurance solves the problem of daily medical expenses. Although the reimbursement ratio of medical insurance has increased year by year, due to factors such as the limitation of insurance reimbursement amount and the imperfection of online medical care, the actual reimbursement effect is not ideal, and patients have to bear a huge financial burden. Therefore, having a million-dollar medical insurance plan can effectively solve this problem, so that individuals do not have to choose to give up on financial reasons when facing medical expenses**.

2. The importance of critical illness insurance.

Critical illness insurance is insurance purchased to protect against the risk of critical illness. With the change of lifestyle and environment, the incidence of major diseases such as cancer and stroke is increasing. And the cost of these diseases is relatively high, and if there is not enough insurance coverage, it may become a burden and seriously affect life and family finances.

The right choice needs to be considered according to your needs and budget.

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The roles of million medical insurance and critical illness insurance are different, but to say which one needs to be bought more, the senior sister believes that the allocation of critical illness insurance should be prioritized.

Just imagine, in case of an unfortunate serious illness, in addition to having a large amount of money to support**, you also have to take into account the expenses of daily life, as well as the loss of income and so on. If you purchase million medical insurance, you generally need to pay the corresponding medical expenses by yourself first, and then find the insurance company to make a claim with the invoice, and the million medical insurance will not be able to pay for other expenses or losses.

If you have purchased critical illness insurance, as long as the insured suffers from the illness agreed in the contract and meets the conditions for claiming, the insurance company will pay a sum of money, and the insured can arrange it freely. In this way, critical illness insurance is more practical than medical insurance. Here is a list of critical illness insurance for everyone, interested friends can take a look:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

1) Guarantee time.

Even if the renewal conditions of some products are good, if the loss ratio is too high, the insurance company will increase the premium, or even stop selling. And renewing insurance is not a simple matter, let's take a look at these tips: how to renew medical insurance, what should I pay attention to?

Analysis in one article! Critical illness insurance is mostly a long-term insurance product, which can choose to protect for life, and you only need to pay the premium on time after purchase, and you don't need to worry about the renewal of the insurance when the protection expires.

2) Premium issues.

The ** of million medical insurance is relatively cheap, and it may only cost a few hundred yuan a year. Critical illness insurance is a long-term insurance product, and the premium may take several thousand yuan a year, but generally the younger you are, the cheaper it is to buy, and the price will not increase halfway, even if you are old in the future, you can save a lot of trouble.

Critical illness insurance and million medical insurance are both health insurance, and the two products have different roles and can be insured according to their own needs.

1. Critical illness insurance can be used to solve the medical expenses in the early stage of the diagnosed disease, or the nutrition expenses after the critical illness, and can make up for the losses caused by the interruption of income due to illness. The content of the insurance is based on the occurrence of the disease, that is, the diagnosis is paid, and only the definition of the disease agreed in the contract can be paid, instead of waiting until the fact to reimburse.

In addition, the premium of critical illness insurance is more expensive, depending on age, payment method, and sum insured, but the premium is fixed every year and will not be adjusted due to age and physical conditions.

2. The role of medical insurance is to solve the expenses faced by the arrival of serious illness and alleviate the economic pressure faced by patients with serious illnesses in the process of serious illness. The content of the insurance is for the reasonable and necessary medical expenses incurred in the hospital caused by illness or accident, after the social security settlement, the deductible will be deducted, and the remaining medical expenses can be reimbursed through the million medical insurance.

The premiums of Million Medical Insurance are cheaper, but the annual premiums paid are different depending on the age, and most of the Million Medical Insurance is mainly short-term, and the stability of renewal is also worth noting.

Therefore, it is necessary to insure according to the need.

It is recommended that all adults buy one copyMillion Medical InsuranceIt can be used to reimburse large medical expenses, and critical illness insurance can be used to cover the loss of income, and the two complement each other to get more comprehensive protection. If you have a limited budget, it is recommended to give priority to millions of medical insurance, and the reimbursement is not limited to diseases, whether it is appendicitis surgery or cancer hospitalization, as long as the eligible hospitalization expenses can be reimbursed after deducting the deductible, up to several million.

(1) The duration of the insurance is different

The coverage period of the million medical insurance is generally one year, and the maximum coverage period of some *** renewed million medical insurance is 20 years.

Critical illness insurance is different, and its coverage period can be divided into term insurance (generally up to the age of 70 or 80) or lifelong, and the protection period is much longer than that of million medical insurance.

(2) Payment method

The payment method of million medical insurance is reimbursement, and the insurance company will reimburse the reasonable and necessary expenses incurred by the insured person due to hospitalization due to illness.

One disadvantage of this reimbursement method is that the insured may not be able to scrape together enough money for treatment in the early stage.

Critical illness insurance, on the other hand, is a diagnosis of a disease agreed in the insurance contract or the disease reaches a certain state, and the insurance company pays a lump sum of insurance benefits according to the agreement.

This money can be used freely, can be used to pay for medical expenses, can be used to pay off debts, etc., millions of medical insurance reimbursement expenses are not free to use by the insured.

Hello! Which one needs to be bought more, million medical or critical illness insurance? How should you choose between the two?

Million medical insurance and critical illness insurance are both health insurance, which are used to transfer the risk of serious illness.

Simply starting from here, which one needs to be bought more than millions of medical care and critical illness insurance, it seems that you only need to consider the best issues.

However, this is not the case, and Daddy will analyze it for you later.

The main contents are as follows:

As the name suggests, million medical insurance is a product that can provide protection for millions of sum insured; And in addition to general medical coverage, there is also critical illness coverage.

Critical illness insurance can also provide critical illness protection, and there are relevant protection agreements for different states of critical illness.

From the above analysis, it can be seen that there is an overlap between the coverage of Million Medical and Critical Illness Insurance.

As we all know, the ** of million medical care is often lower than that of critical illness insurance, and if the two are substituted for each other, the wise choice is naturally the former.

But what Daddy wants to say is that Million Medical Care and Critical Illness Insurance are not substitutes for each other, and in a sense, the two are complementary products.

Because millions of medical care is spent first and then reimbursed, in short, it is only possible to get insurance benefits if you **.

In the event that you are discharged from the hospital or if the medication involved is not covered, you will be responsible for the money.

Critical illness insurance, on the other hand, is paid in advance, in other words, when the contracted disease is diagnosed and the predetermined state is reached, the insurance company will pay a sum of insurance money regardless of whether the insured accepts ** or not.

Million medical insurance can be used as medical expenses, while critical illness insurance can be used as post-operative expenses or financial loss compensation.

There is a complementary relationship between the payment methods based on million medical and critical illness insurance, and if possible, it is best to configure both at the same time.

If you have a limited budget, you need to consider the question of which one is more important, medical care or critical illness insurance.

If the budget is sufficient, both can be configured at the same time.

Personally, I think that Million Medical and Critical Illness Insurance are particularly important insurances, but they can be purchased on a case-by-case basis.

First of all, the first case isIf you don't have any financial pressure,has reached the point where you can be self-sufficient and have a relatively easy lifeIt is recommended to buy both copies togetherYoung people who buy critical illness insurance may be able to cover 200,000 or 300,000 critical illnesses for only 35,000 yuan a year, and if they buy a million medical treatment, the annual cost can be guaranteed for 2 million or 3 million yuan as long as a few hundred yuan, so that they can ensure that they can make money without worries.

If your life is stressful,Now that I am also in the initial stage of life, there is still pressure to come up with three or five thousand yuan a yearYou can consider buying a million medical care firstAfter all, it is only a few hundred dollars a year, which can guarantee millions of medical reimbursements.

The difference between million medical care and critical illness is how much does million medical care cost? To remove a deductible, the remaining part of the reimbursement, so no matter what, it still costs a part of the money, but critical illness insurance is different, as long as he suffers from these names of the disease agreed in the contract, then he will pay you according to the amount of insurance, you buy 200,000, the amount of insurance will be 200,000, even if the money you spend is not 200,000, it will be 200,000, that is to say, it has nothing to do with the money you spent, it is a fixed compensation.

Below, let's introduce the difference between Million Medical Insurance and Critical Illness Insurance:

1. The content of the guarantee is different.

Critical illness insurance covers critical illnesses and mild and moderate illnesses as agreed in the contract, some of which will be compensated upon diagnosis, and some can only be compensated if they reach a certain state agreed in the contract or have undergone some kind of surgery. There is no restriction on the type of disease in the million medical insurance, as long as the behavior is in line with the contract, it can be reimbursed.

2. The guarantee time is different.

Most critical illness insurance is long-term insurance, which covers decades or even life. Most of the million medical insurance is a short-term insurance that only covers one year, and some can be insured for 20 years, such as PICC Good Medical Insurance Long-term Medical Care (20-year version).

3. Different payment methods.

Critical illness insurance is a one-time payment of a lump sum of money that meets the conditions of the contract and can be used for treatment or other means, such as paying off a mortgage or car loan.

Medical insurance is reimbursed after the fact, after the medical insurance reimbursement, a certain deductible will be deducted, and the remaining part will be reimbursed according to the proportion agreed in the contract.

4. Premiums are different.

Since critical illness insurance is mainly long-term insurance, it generally adopts a balanced rate, and the annual premium is constant, usually several thousand yuan a year, and some products** or even tens of thousands.

The million medical insurance is relatively cheap, it uses natural rate billing, and the premium will increase with age, generally young people in their twenties and thirties only need a few hundred yuan to buy, and the elderly over fifty years old have to buy one or two thousand yuan.

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!

Hello friends, million medical and critical illness insurance they all have their own specialties, and it also varies from person to person, if so. If the funds are not abundant, it must be farming, so if the funds are abundant, of course, you can sell millions of medical insurance, and their insurance types are different.

Million Medical Insurance and Critical Illness Insurance can be purchased together, and the reimbursement coverage of the two insurances does not conflict, and claims can be made at the same time. For example, Mr. A purchased both the Million Medical Insurance and the Critical Illness Insurance, and after the waiting period, he was hospitalized for a serious illness**, and after being discharged from the hospital, he was directly reimbursed for the expenses with the Million Medical Insurance. The critical illness is eligible for critical illness insurance, and the critical illness insurance will pay according to the insured amount.

This Mr. A received two claims at the same time, the million medical insurance is mainly to reimburse ** expenses, and the critical illness insurance is mainly income compensation.

Both medical and critical illness insurance need to be bought, and it is recommended that friends with sufficient budgets configure them.

If you don't know about these two types of insurance, you can click on this detailed popular science article, due to the limited space, the senior sister will not say much here: what is the difference between critical illness insurance and medical insurance? Analysis in one article!

Why do you have to buy millions of medical insurance and critical illness insurance? This diagram can answer this question very well:

In the unfortunate event of a critical illness, the most intuitive financial loss caused by the critical illness is that the patient needs to pay a lot of medical expenses. This part of the expenditure can be reimbursed through the million medical insurance, and the insurance company can help us share part of the medical expenses.

However, after suffering from a critical illness, the patient is unable to work for a short period of time, and the economic income will be greatly reduced. In addition to this, the cost of recuperation after discharge from the hospital is not a small amount. These potential losses cannot be reimbursed through the million-dollar medical insurance, but the lump sum payment of the critical illness insurance can make up for the losses.

Million medical insurance and critical illness insurance provide disease protection, and with these two types of insurance, don't forget to configure accident insurance and life insurance, which can provide us with protection against accidents and death.

The four major types of life insurance are fully equipped, which can undoubtedly bring us a wider range of protection, and the strength of protection is also more favorable. Senior sister here has compiled a list of life insurance, interested friends may wish to learn about: the top ten life insurance rankings worth buying!