Which critical illness insurance is better right now?

Introduction: With the continuous improvement of people's living standards, people's awareness of the protection of their own rights and interests has also improved, which makes people's demand for insurance more and more vigorous. In the relevant market, we are often dazzled when we choose, and we don't know how to choose.

For the different needs of consumers, insurance companies have also launched different products. For critical illness insurance, many insurance companies have also launched this kind of product accordingly, and each has its own characteristics, so how should we choose when choosing?

1. Critical illness insuranceCritical illness insurance is the corresponding insurance for some critical diseases. In the case of insurance, if you suffer from a critical illness, you can receive the relevant claim with the relevant certificate of the hospital. For different insurance companies, there may be different explanations and explanations in this regard, so different companies have different regulations on the amount of claims.

As a result, it has become more difficult for many consumers to choose the right critical illness insurance for them.

Second, how to choose, first of all, we have to examine the types of diseases, the most important of which is to examine some cardiovascular and organ diseases, and after meeting these categories, it will also meet some important needs of the insured. At the same time, you can also focus on tailoring it for yourself, for example, when children buy critical illness insurance, it includes leukemia, and women can also consider buying some critical illness insurance such as breast cancer. Secondly, we also need to choose some more suitable sum insured, which requires the policyholder to open their own policy to check, and then see if there is a need to add, and finally make some adjustments.

3. Reasonable operationWe all know that there are no rules, and everything must be operated in accordance with the corresponding regulations. Therefore, when purchasing critical illness insurance, it is also necessary to follow the different regulations of different insurance companies, because there will be certain differences between different insurance companies. If we want to get the corresponding claim, we should cooperate with the staff in accordance with the relevant regulations of the insurance company, which can effectively protect our rights and interests and reduce some unnecessary troubles.

The better ones are the term type and the whole type of insurance, and the premiums of these two types of insurance are relatively low when they are insured, and the scope of protection is more comprehensive after that.

Taikang Critical Illness Insurance, Ping An Critical Illness Insurance, Sunshine Critical Illness Insurance, Life Critical Illness Insurance, and Ping An Outsmart Universal Insurance, all of which are very good insurance, can play a good role in protection.

You need to combine yourself to find the most suitable critical illness insurance.

First, calculate your annual income and annual expenses. For example, your annual income is around 100,000 yuan, that is to say, the insurance budget is about 10,000 yuan.

The insurance allocation with an annual income of less than 300,000 yuan should be based on protection, and it is necessary to do something at this stage with the minimum investment for the maximum insurance amount, because in this income stage, once someone has a serious illness, the family's economic situation is easy to deteriorate, and causes a heavy burden.

Therefore, the sum insured must be high enough, in this case, our insurance strategy is to determine the budget to buy the insurance with the highest amount of insurance, the lower the income, the more we should pay attention to the disease that occurs with a high probability, the more we must pay attention to the current protection, and the more we must pay attention to the protection of the economic pillar.

Buying insurance is buying the amount of insurance, because the low amount of insurance does not play a role in protecting in the face of risk, so first determine the amount of insurance, combined with your budget, you can judge the type of insurance you need.

The amount of insurance generally has to buy 3 5 times the annual income, and it is best to start at 500,000. This sum insured takes into account the ** period of up to 3 5 years after a critical illness, and the starting point of 500,000 is to take into account inflation.

Sunshine Life's P Health Insurance is better with critical illness insurance.

In the past, there were as few as a few types of diseases in critical illness insurance on the market, as many as dozens, and many small partners were often confused about how many diseases to be safe.

The more types of illnesses covered the better, but there is one key point:

It also depends on whether the types of critical illnesses covered by this product have covered common high-incidence diseases

According to the definition in the "Specification for the Use of Disease Definitions in Critical Illness Insurance" jointly formulated by the Insurance Association of China and the Chinese Medical Doctor Association, the coverage of critical illness insurance products should include six major diseases, including malignant tumors, acute myocardial infarction, sequelae of stroke, and major organ transplantation.

These six major diseases account for 80% and 85% of the major illnesses that the general population can suffer from in a lifetime. In addition, the Standards also define 19 other more common major diseases.

In other words, if a critical illness insurance can cover the 25 types of critical illnesses defined in the "Specification", it can be regarded as meeting everyone's basic protection needs.

It is recommended that you choose Sunshine Life's P Health Insurance, which can cover up to 100 major illnesses and 50 mild illnesses, with a maximum coverage of 700,000 yuan, and the premium is really cheap!

I bought the critical illness insurance of Pacific Company, and the amount I bought can be freely chosen according to my own financial conditions. The reimbursement of disease items is relatively complete. We can also refund the principal after we reach the age of 70. I think it's a good deal.

You have to choose according to your own conditions, such as Ant Insurance, Ping An Insurance, and Pacific Insurance. Some critical illness insurance can return money, some critical illness insurance cannot return money, the number of years and the price are the same, be sure to read the requirements and terms clearly.

In fact, the current insurance is basically the same, and each insurance company has launched its own critical illness insurance, which can be said to be similar in content.

Critical illness insurance can be divided into term critical illness insurance and lifelong critical illness insurance according to the insurance period. Fixed-term critical illness is generally only covered for a maximum of 30 years, after which it will no longer be covered. Lifetime critical illness protects customers until the end of their life.

I think the critical illness insurance of Chinese Life is very good, I bought this, I personally think it is still more affordable, affordable and the insurance amount is quite high!

The vast majority of people don't see the type of illness insurance that is why they can't see it, so I suggest you focus on the mild part. Or if there is a family history, you can also focus on the disease with a family history.

Critical illness insurance refers to the insurance provided by insurance companies for specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc. If you are an insured person and unfortunately suffer from one of the above diseases, then the insurance company will appropriately reimburse you for the medical expenses you spent.

Benefits: Hospitalization expenses can be reimbursed twice, and there is no upper limit. If the medical expenses at the time of hospitalization fall within the scope of the social medical insurance catalogue and the part that should be paid by the person exceeds 10,000 yuan, 70% of the excess part will be reimbursed.

Explanation: In addition to the part of the medical expenses you have spent on hospitalization, if you pay more than 10,000 yuan out of pocket, then 70% of the money you pay out of your own pocket can continue to be reimbursed.

Critical illness insurance is an insurance that protects the contracted diseases, and the insured suffers from the contracted illness during the insurance period, and the insurance company will pay a lump sum of insurance money, and the insured can obtain a better recuperation environment with this insurance money.

Critical illness insurance is more important for most people, because the cost of critical illness is huge, and the follow-up medical expenses are also a large expense.

In order to make it easier for everyone to intuitively understand the protection content of popular critical illness insurance on the market, Daddy still made a comparison table of protection content according to the old rules, let's take a look.

In order to facilitate comparison, the dad chooses the critical illness insurance that guarantees life, and without further ado, let's go straight to the conclusion.

1.Pursue multiple claims for critical illness: Three Gorges Fubei Insurance.

This product can pay 6 times for 120 critical illnesses, and if the insured is insured for critical illness before the age of 60, the insurance company will pay an additional 50% of the basic sum assured.

It should be noted that although it can be paid 6 times for critical illness, it can be paid in groups, that is, diseases in the same group can only be paid once.

2.Pursue a high proportion of critical illness claims: Xintai Darwin No. 3 and Xintai Super Mario No. 3 MAX.

If the insured suffers from critical illness before the age of 60, the insurance company will pay 180% of the basic sum insured, otherwise 100% of the basic sum assured will be paid, and the critical illness protection is relatively large, and the payout ratio of 180% of the sum insured is more attractive.

3.Pursue relaxed insurance conditions: Everbright Sun Life Darwin (easy core version).

This product adopts exclusive intelligent underwriting rules, the underwriting is more relaxed, and patients with diseases such as three highs and diabetes can also be insured, which is more friendly to people who are not in good health, and is suitable for consumers who pursue relaxed insurance conditions.

Which is better critical illness insurance? There is no unified answer to this question, because each consumer's needs are different, as long as it is an insurance product that can meet the demand, then it is a good product, and the measuring rod is still in the hands of consumers themselves.

In general, critical illness insurance can provide disease protection to the insured and help them resist the risk of disease, which is still necessary for most consumers, and critical illness insurance that can meet the needs is a reliable critical illness insurance, and this is the only standard.

However, it should be noted that you must not be sloppy when buying critical illness insurance, and you must first think about what protection you want to get before buying, and then choose according to your needs, and you must also reasonably control the premium.

This has to be seen on a case-by-case basis. As long as the product suits you, it's the best. Critical illness insurance refers to a kind of insurance in which the policyholder suffers from the illness agreed in the insurance during the insurance period and can claim the agreed insurance money from the insurance company.

At present, all critical illness insurance on the market may contain different critical illness protection, but they will include 25 high-incidence critical illnesses stipulated by the China Banking and Insurance Regulatory Commission, as shown in the figure below

Insured diseases are the 6 diseases that the CIRC strictly requires critical illness insurance to cover, because the incidence of such diseases is the highest; There are 19 other diseases to choose from, which are not required, but will be included in all critical illness insurance products on the market.

There are many 80, 100, and 110 types of critical illness insurance on the market, which are composed of 25 high-incidence diseases stipulated by the Insurance Regulatory Commission + other diseases stipulated by the insurance company (please refer to the insurance contract for details). For the insurance method of critical illness insurance, you can see here "The correct insurance posture of critical illness insurance, Daddy will teach you a few tricks!" 》

Since all critical illness insurance products on the market can protect the 25 high-incidence diseases stipulated by the Insurance Regulatory Commission, how should we choose critical illness insurance, we can consider from these aspects:

1) Sum insured. First of all, choose a high sum insured, and buying critical illness insurance is buying the sum insured.

If you want to bear the expenses such as ** fees, ** expenses, loss of income in the process of illness and daily household expenses, you must first choose critical illness insurance with a high sum insured, starting at 300,000.

If financial conditions permit, it is recommended to buy a critical illness insurance with a high sum insured, so that you can recuperate with peace of mind when you are sick and do not have to worry about family expenses.

2) Duration of coverage.

It is advisable to choose long-term protection, preferably lifelong critical illness insurance.

Because the older you are, the greater the probability of suffering from a critical illness, we try to choose a long period of coverage when applying for insurance, if the economic conditions allow, to avoid the insurance has expired and cannot be compensated when the illness occurs.

Moreover, the older you get, the more expensive the premium of critical illness insurance becomes, and the deterioration of physical fitness makes it difficult to pass the health notification of critical illness insurance.

3) Multiple claims for critical illness.

If the budget is sufficient, choose critical illness insurance with multiple claims for critical illness, and give priority to critical illness without grouping, followed by critical illness insurance with multiple groups.

There are many types of insurance, but each of us has different needs.

Buying insurance is not about many, "mutual coordination, comprehensive coverage" is the first key to buying insurance.