Is it okay to buy only critical illness insurance, and can I not buy critical illness insurance?

OK. Critical illness insurance is a type of life insurance, and each insurance has its own function, so when choosing protection for yourself and your family, you can choose according to your actual needs.

Extended information: 1. Suitable for insurance:

Singles (18-30 years old):

For this group of people, comprehensive accident medical insurance can be the first choice to purchase insurance. This type of insurance has a low rate and can provide high value protection for accidents, and can add accidental medical treatment and inpatient medical treatment, effectively supplementing the vacancy of insufficient medical reimbursement in urban areas. Secondly, according to their own situation, they should appropriately choose to supplement critical illness insurance to transfer the burden caused by high medical expenses in the future.

In general, it is advisable for unmarried people to spend no more than 20% of their annual income on protection insurance plans.

Family (24-35 years old):

For such families, when it comes to insurance planning. First of all, every member of the family must have basic medical security and critical illness protection; secondly, properly prepare education annuity and wedding pension for children (0-5 years old is the best age for preparation); The last thing to consider is pension planning (preparation before the age of 40 is the best age). Of course, insurance planning is not achieved overnight, and it is planned continuously according to the age stage and income stage.

Insurance sales were once regarded as a flood beast, and insurance sales were done, even making the whole family unable to lift their heads. The reason is also very simple, there are two aspects, one is that a considerable number of people in insurance sales are eager for quick success and even full of nonsense; Second, the insurance awareness of most Chinese families has not been fully established.

Different from Western countries, the traditional social form of the Chinese family already contains the element of insurance, one person is in trouble, relatives support, at least there is the support of parents, and the family relationship with blood ties constitutes a huge insurance policy. However, with the increase of only children and the migration of the population, the relationship between family members has begun to become weaker, and the traditional family insurance has become more and more weak.

When the insurance function of the small family is gradually lost, the insurance function of the big family in the country will be on the top, although the relationship has long been cold, but the function of support from all sides will not be weakened, and can even be strengthened. As long as you spend money on insurance, you can get a certain amount of compensation. During this period, there is no need to bother to communicate with the seven aunts and eight aunts, and there is no need to worry that relatives will avoid it if something happens.

To a certain extent, this is also an improvement.

Over the years, the insurance industry has spent no less effort on the cultivation of financial management concepts than on sales, and every claim is also a good publicity opportunity. More and more people are paying attention to insurance and buying insurance. However, in contrast, the level of insurance salesmen with huge liquidity is indeed an area that needs to be improved urgently.

An insurance salesman with excellent professionalism and good character will be the object of many financial managers in the future.

If you want to ask if you can only buy critical illness insurance, in fact, you can, but it is still recommended to configure it with other insurance, such as medical insurance, accident insurance, etc., if it is the breadwinner of the family, you also need to buy another life insurance product.

Before that, if you are an insurance novice, then you must take a good look at the key points of insurance knowledge to avoid falling into the pit when buying: before buying insurance, you must first figure out these key knowledge points!

First of all, let's talk about critical illness insurance, critical illness insurance mainly protects critical illness, once the insured is diagnosed with the disease specified in the insurance contract and meets the conditions for claims, the insurance company will make corresponding compensation. This money can not only be used to pay for high medical expenses or later nutrition**, but most importantly, it can also be used to make up for the lack of income caused by being unable to work due to illness.

In order to make it easier for you to find a critical illness insurance product that suits you, the following is a list of critical illness insurance products worth buying, remember to collect: Top 10 Popular Critical Illness Insurance Points Worth Buying!

The second is medical insurance and accident insurance, medical insurance is a reimbursement insurance, which can usually be used as a supplement to social security, and most of the content that can be reimbursed by medical insurance can not be reimbursed, just like targeted drugs and special drugs outside the medical insurance catalog, all have the opportunity to be reimbursed through medical insurance.

The accident insurance mainly protects the injury caused by the accident, which is external, sudden, unintentional and non-disease, because the accident is not possible, and no one knows which will come first tomorrow or the accident, so it is necessary to configure the accident insurance in advance.

Finally, life insurance, life insurance is mainly based on human life as the subject of insurance, the reason why it is more recommended to configure the family economic pillar, mainly because the family economic pillar is burdened with the burden of taking care of the family and supporting the elderly, in the event of misfortune, its family members also have the opportunity to obtain insurance money to tide over the difficulties and maintain a normal family life.

Finally, if there are still friends who are not very familiar with the difference between these types of insurance, you can take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Critical illness insurance can not be bought, because this kind of critical illness insurance can still give us a lot of protection, when we are seriously ill, it can reimburse us a lot, if we do not buy this kind of critical illness insurance, maybe there is no way to afford those expensive medical expenses, if you want to make medical insurance only to reimburse, the reimbursement ratio is still relatively small. If you have purchased critical illness medical insurance or critical illness insurance.

It will definitely be able to reimburse a lot, no matter how much money is spent, it is estimated that there is no problem. However, this kind of critical illness insurance is generally not sold to people who fail to pass the medical examination report. It will definitely be sold to some healthy people, because the insurance company also wants to make a profit, they will sell this insurance to healthy people, and the healthier it is, the more low-risk investors for this insurance.

That's why they sell to healthy people, if it's some people who are older and in poor health, they won't sell to them, because they think it's a high-risk policyholder, and they won't choose to sell insurance to them. Because insurance companies also have to plan for their own interests, if this kind of insurance pays too much, they will not choose to continue to buy this kind of insurance. There must be an interest in it, and they will choose to continue to sell this kind of insurance.

When we choose this kind of critical illness insurance company, we should also choose some more reliable companies, such as the kind of companies with a good reputation in the industry, such as Chinese Property Insurance or Ping An Dou Sheng Insurance Company, which are more reputable in the industry. However, it still depends on what kind of person in charge of the local area is, if the person in charge looks like the kind of person who likes to cheat, he should stay away from him, because they are likely to cheat when making claims.

Therefore, when we choose insurance, we must choose some reliable people and reliable companies, so that we can get our money when we make a claim. This kind of critical illness insurance is better to choose a large company, which will be more reliable.

You don't need to buy critical illness insurance, as long as you buy accident insurance and general medical insurance.

You can also not buy it, if you have some major diseases, you may not be reimbursed at this time. But Duan Ming doesn't necessarily say that you will have such a particularly serious illness if you really miss it in your life.

It is a loss of mu that you can choose not to buy, which is also a voluntary behavior, but it is best to choose to buy Xun Zeshen, which is cheaper and enjoys more rights and interests than Marking.

Whether it is okay to buy critical illness insurance alone depends on the insured's own insurance needs. However, from the perspective of the senior sister, it is not enough to just take out critical illness insurance. Although the protection of critical illness insurance is very powerful, its main function is to transfer the risk of financial loss due to critical illness for the insured.

If the insured needs other targeted protection, critical illness insurance may not be able to help.

Therefore, the senior sister suggests that you should learn more about other insurances to see if there is any protection you need. If you don't know much about insurance, you can take a look at the following article[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

In addition to critical illness insurance, medical insurance, accident insurance, and life insurance are also popular types of insurance in the market. Next, the senior sister will talk to you about what protection these insurances can provide us.

Medical insurance

Medical insurance is the plus version of medical insurance, although it is a reimbursement insurance like medical insurance, but the reimbursement scope, reimbursement ratio and insurance amount of medical insurance are higher than that of medical insurance. In addition, don't confuse medical insurance with critical illness insurance. Although both types of insurance can provide protection for the health of the insured, critical illness insurance is a benefit-based insurance, which is fundamentally different from medical insurance.

If you think that medical insurance can replace critical illness insurance, you can check out the following article:After reading these contents of medical insurance, you will know why you should buy critical illness insurance

Accident insurance

Accident insurance can transfer the risk of financial loss caused by accidental injury accidents for us, and it is also one of the types of insurance that each of us should insure. After all, unintentional injuries can behave all of us.

Life insurance

The main function of life insurance is that when the insured person dies, the insurance company will provide a death benefit to the insured's family. This money can help keep your family functioning properly. If the insured person is the breadwinner of the family, it is necessary to take out a life insurance policy. Hope.

It's okay to only buy critical illness insurance, but if you have enough funds, it's best to equip yourself with a comprehensive coverage plan. After all, critical illness insurance can only transfer the economic risk caused by the insured's unfortunate critical illness, but cannot transfer the risk of economic loss caused by other accidental injuries and general diseases.

Protection insurance includes critical illness insurance, medical insurance, accident insurance, and term life insurance. Next, the senior sister will briefly talk about the protection functions and functions of the other three insurances.

If you don't know much about the four types of insurance mentioned above, you can take a look at this popular science article:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Medical insurance.

Medical insurance can help us save money by reimbursing the medical expenses of the insured person for hospitalization, surgery, etc.

If you want to know more about medical insurance products, you can take a look at this:Pacific Medical Worry-Free Million Medical Insurance can guarantee a 20-year renewal? Is this true?

2. Accident insurance.

Accident insurance transfers the financial risk of an accidental injury to the insured person. Accidents are unpredictable, but we can plan ahead and add a layer of protection to ourselves in advance.

3. Term life insurance.

Term life insurance can transfer the financial risk of the family caused by the unfortunate fall of the family's breadwinner, and generally provides protection against death or total disability. Buying life insurance is mainly for the family, to avoid the unfortunate death of oneself in an accident, and there is a life insurance money that can be left to the family to continue their love and responsibility for their family.

Similarly, the senior sister also found a term life insurance with good protection for everyone, and interested partners can learn about it:Tongfang Global Zhenai 2022 Internet Term Life Insurance is coming? I'll talk about it after reading it

That's all I have for this issue, I hope it helps! Hope.

If the policyholder has sufficient budget, he or she can consider buying medical insurance and accident insurance after taking out critical illness insurance. Because it is not comprehensive to only insure critical illness insurance, critical illness insurance is mainly used to pay for critical illness ** expenses and make up for the loss of income of the insured during the ** period, while medical insurance can reimburse most of the medical expenses during hospitalization, and accident insurance can provide protection in the event of accidental injury.

I have also summarized hundreds of popular critical illness insurance policies in the country before, interested friends can take a look:

A comparison table of 136 popular critical illness insurances in China

1. Critical illness insurance.

Critical illness insurance, also known as critical illness insurance, can receive insurance benefits from the insurance company when the insured suffers from a disease specified in the insurance contract, or a situation specified in the contract occurs, and meets the conditions for claims.

2. Medical insurance.

Medical insurance mainly reimburses hospitalization medical expenses, usually as long as the medical expenses incurred in hospitalization, whether it is due to illness or accident (hospitalization), it can basically be reimbursed accordingly.

From the above explanation of critical illness insurance and medical insurance, we can also see that critical illness insurance is to pay us a sum of insurance money, while medical insurance is to reimburse medical expenses.

Therefore, after we buy medical insurance, even if we unfortunately get sick, we can be reimbursed, and the insurance money of critical illness insurance can be used for daily living expenses, make up for loss of income, etc., which can provide us with stronger protection.

Moreover, many million medical insurance on the market is not high, and you can buy millions of insurance as long as a few hundred yuan a year, which is very cost-effective.

The top 10 million medical insurance rankings are newly released!

Let's take a look at accident insurance:

As the name suggests, accident insurance mainly covers the unexpected. For example, if the insured person dies as a result of an accident, the beneficiary will receive a lump sum payment.

Finally, the insurance applicable to different age groups is different, and blind purchase may be a waste of money, see here for the specific insurance plan:

How to buy insurance for different age groups?Everyone should have their own plan

That's all there is to it, hope.