Do I need medical insurance to buy critical illness insurance?

If your family's financial conditions allow, you may consider purchasing additional medical insurance. Because critical illness insurance only pays for critical illnesses, but there is no compensation for ordinary illness hospitalization, additional insurance, as a supplement to critical illness insurance, can provide reimbursement for ordinary medical expenses for the insured. If the family is not financially well-off, then it is necessary to consider the value for money of the rider.

Because adding additional insurance requires additional premiums, if the increase is not very much, then you can consider add-ons, if you increase a lot of premiums because of the additional insurance, then buy critical illness insurance alone. [Click to get a free 1-to-1 insurance consulting service].

Difference Between Critical Illness Insurance and Medical Insurance:

Medical insurance is reimbursed after the fact, while critical illness insurance is paid out when the conditions are met.

1. Medical insurance is in the nature of loss compensation.

One of the four major principles of the insurance industry is called the "loss compensation principle", because if the policyholder or insured has the opportunity to make a profit after the occurrence of an insured event, the policyholder or insured may allow or even contribute to the occurrence of the insured accident. Therefore, medical insurance must be based on the premise that reasonable and necessary medical expenses are incurred, and the amount of compensation will not exceed ** expenses.

2. Critical illness insurance is in the nature of fixed payment.

When a critical illness is claimed, the total sum insured is paid at one time. As long as the diagnosis of the critical illness (or mild illness) agreed in the contract can be paid, and the amount of compensation is determined according to the insurance amount at the time of purchase, regardless of whether medical expenses are incurred, how much they incur, or whether they are compensated from other channels.

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There are two types of insurance: main insurance and additional insurance.

Primary insurance refers to the type of insurance that can be purchased separately, and the premium is more expensive. The so-called additional insurance is a type of insurance that cannot be insured separately and can only be insured with the main insurance. The rider only has a cash benefit when a claim occurs, and when there is no claim, it can only be counted as a purchase.

Critical illness insurance can be purchased separately as the main insurance.

Critical illness insurance, life insurance, and accident insurance are three separate types of insurance, so critical illness insurance does not have to be an add-on to life insurance or accident insurance.

As the name suggests, when the insured suffers from a critical illness as agreed in the insurance contract, the insurance company pays the insurance money in a lump sum in accordance with the insurance contract, and this compensation can be arbitrarily disposed of.

Critical illness insurance is a benefit type that pays the sum insured after the diagnosis of the disease. I believe that there will be many friends who directly and generally believe that critical illness insurance is to obtain compensation once diagnosed with a critical illness;

In fact, strictly speaking, critical illness insurance claims need to comply with the contract before they can be paid.

As an income compensation insurance, critical illness insurance is not only to provide medical expenses protection for critical illnesses, so that we can better accept diseases**;

At the same time, it can also provide financial protection for the family after illness and compensate us for the loss of income during the ** and ** periods, which are important values of critical illness insurance.

After understanding the basic definition of critical illness insurance, let's take a look at what are the key points to pay attention to when choosing critical illness insurance?

>>> which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance

Generally, riders are optional, depending on whether you need them.

Summary. Hello, you can buy critical illness insurance, policyholders can buy additional insurance, according to their own needs to add hospitalization medical treatment, accidental injury medical treatment, hospitalization allowance, premium waiver (policyholder insured premium waiver), etc., so that the insured can enjoy more comprehensive protection.

However, critical illness insurance does not have to be purchased at the same time as additional insurance, which is also related to the economic strength of the policyholder, and it is best not to affect the individual's current living conditions because of the purchase of insurance.

Can I buy additional hospitalization medical insurance for critical illness insurance purchased in advance?

You can buy additional insurance for the policyholder of the Critical Illness Insurance, which can be supplemented with hospitalization medical treatment, accidental injury medical treatment, hospitalization allowance, premium waiver (the policyholder and the insured premium waiver), etc., which can allow the insured to enjoy more comprehensive protection. However, critical illness insurance does not have to be bought at the same time as additional insurance, which is also related to the economic strength of the policyholder, and it is best not to argue that buying insurance will affect the individual's current living conditions.

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Although critical illness insurance and medical insurance are both protection-type insurance, the difference between medical insurance and critical illness insurance is obvious, and medical insurance cannot completely replace the role of critical illness insurance for the insured.

Critical illness insurance is a benefit-type insurance, after the insured suffers from the disease clearly indicated in the insurance contract, collect information like the insurance company to apply, after being approved, the insured will get a sum of money paid by the insurance company, which can compensate for the loss of income caused by the critical illness, hospitalization and follow-up expenses, etc., as far as possible so that the life of relatives can not be changed by a serious illness, and the function of critical illness insurance can make up for economic losses is not available in medical insurance. After the contract comes into effect, there will be no risk of discontinuation, and there will be no increase in premiums as you get older, so the insured can have a long-term and stable protection.

As a reimbursement insurance product, medical insurance solves the problem of medical expense insurance generated by us, and the reimbursement content is limited to the medical expenses in the process, and other expenses are not within the scope of medical insurance, and are often combined with social security to solve serious medical problems. At present, there are not many medical insurance products that protect life, and the protection period of most products is very short, and there is a high probability that the policy cannot be renewed due to the insured's physical condition, claim history, and suspension of sales, and the renewal is uncertain. Although the insurance can be renewed, it is not guaranteed to be successfully renewed, of course, we have to look at the terms of this product to decide whether the insurance can be renewed, and there are still many products that can guarantee the phased renewal.

Only equipped with medical insurance, we can not get the best protection, I will not explain to you more detailed reasons, interested friends can read this article: can medical insurance replace the role of critical illness insurance?

We buy insurance to avoid risks, in case of unfortunate accidents and illnesses, we can have a strong protection. Don't make the mistake of thinking that critical illness insurance must be more important than medical insurance, on the other hand, medical insurance is not necessarily more important than major illness insurance, both have their own advantages, medical insurance is used for the expenses incurred in ordinary medical reimbursement, and critical illness insurance is to pay a compensation after the insured reaches the claim standard, and there will be no conflict between the two! Choose insurance that can complement each other, and the right combination can complete our protection plan!

For those who don't know how to configure insurance, there is a guide for please check: How to choose insurance for different ages? There's something for everyone.

Yes, medical insurance requires users to pay medical expenses in advance, and then go to the insurance company for reimbursement, which is still quite a lot of pressure on the family's cash flow. Critical illness insurance is a diagnosis of the diagnosis, immediately get the premium compensation, can be used to pay ** expenses, ** expenses and make up for the loss of income after illness, and medical insurance is a very good health insurance combination, both are very necessary.

1. Million medical insurance can only solve the problem of medical expenses.

Although the coverage amount of the million medical insurance is very high, it is millions a year, which can cope with the risk of serious illness medical expenses. However, this type of product is a reimbursement product, which can only be reimbursed according to the actual medical expenses incurred by the insured, so the medical expenses reimbursed will not exceed the actual medical expenses and cannot make up for the loss of income.

2. The protection period of million medical insurance is short.

Most of the million medical insurance plans on the market have an insurance period of 1 year, so if the product renewal conditions are not good, it is easy to lose the insurance protection, and if you are already sick, it will become difficult to apply for other products. Critical illness insurance can provide coverage for a longer period of time, while whole life critical illness insurance can provide coverage for life.

3. Critical illness insurance can make up for the loss of income.

Critical illness insurance is a benefit-based insurance product, if the insured is diagnosed with a disease agreed in the insurance contract and meets the criteria for claiming, the insurance company will pay the insurance money in accordance with the contract, and it is a one-time payment. This part of the cost is insured to cover both medical expenses and loss of income.

As for the reason why there is a million medical insurance, I hope the above content will be helpful to you. If the budget is sufficient, it is natural that critical illness insurance + million medical insurance + small medical insurance are more complete with insurance protection.

If the financial conditions allow, then you can purchase another critical illness insurance after purchasing medical insurance, and if the financial conditions do not allow it, then you can also purchase critical illness insurance after purchasing medical insurance.

At present, although medical insurance and critical illness insurance are based on the health of the insured as the subject of insurance, they are different types of insurance, and because critical illness insurance is paid immediately after diagnosis, the amount of insurance is relatively high, and medical insurance is reimbursed after the completion of the insurance, so critical illness insurance is more suitable for people with poor economic conditions than medical insurance.

Of course, medical insurance also has its characteristics, which is characterized by a wide range of coverage, which can be reimbursed for major and minor illnesses, while critical illness insurance can only reimburse major illnesses, so medical insurance is actually better than critical illness insurance in this regard.

Generally speaking, medical insurance and critical illness insurance have their own advantages and disadvantages, and at the same time, they do not conflict with each other, so when economic conditions allow, medical insurance and critical illness insurance can be configured at the same time, so that you can get double protection.

In case of a critical illness, it will bring huge medical expenses to the family, and there will also be loss of income such as ** expenses, family debts, and living expenses. Critical illness insurance, which can be paid in advance, can hedge these risks, and its sum insured can not only be used to treat diseases, but also to make up for the loss of family income.

Summary. Employee medical insurance does not include critical illness insurance, because employee medical insurance is social medical insurance, and critical illness insurance is a commercial insurance launched by insurance companies, the two of them are independent and very different, so employee medical insurance does not include critical illness insurance.

Employee medical insurance does not include critical illness insurance, because employee medical insurance is social medical insurance, and critical illness insurance is a commercial insurance posture launched by Baobo High Insurance Company, the two of them are independent and very different, so employee medical insurance does not include critical illness insurance.

Employee medical insurance does not include critical illness insurance.

At present, there are the following differences between employee medical insurance and critical illness insurance: 1. The applicable group of employee medical insurance is the employees of all urban employers, including employees of government agencies, enterprises, institutions and other units, and critical illness insurance is not limited to the applicable population, as long as the health is not known, it can be bought; 2. The insurance cost of the medical insurance for the employee shall be borne by the enterprise, the individual and the state, and the premium of the critical illness insurance shall be borne by the policyholder; 3. Employee medical insurance is managed by the first functional department, and critical illness insurance is operated and managed by an enterprise insurance company; 4. Employee medical insurance is not for profit, and critical illness insurance is for profit.

With medical insurance, you also need to buy critical illness insurance, because the focus of the two is different, as follows:

1. The content of the insurance is different, medical insurance reimburses medical expenses, and the expenses arising from accidents or diseases after the waiting period are reimbursed, there are small medical insurance and million medical insurance, usually when applying for insurance, the two are matched, minor illnesses are considered to be solved by small medical insurance, and major illnesses can be used to millions of medical insurance; Critical illness insurance only covers the diseases agreed in the contract, including mild, moderate and severe diseases, and some products will also have additional critical illness compensation, which only needs to meet the definition of contracted diseases to obtain relevant protection, which is not directly related to the cost of medical expenses.

2. The role is different, the form of medical insurance reimbursement compensation is only based on the actual expenses to reimburse, that is, how much to spend, will not exceed the actual total cost, if you suffer from a serious illness not only have the problem of medical expenses, but also need a large amount of follow-up recuperation. Therefore, buying critical illness insurance can solve the problem of follow-up serious illness recuperation and **, this kind of insurance belongs to the fixed amount payment, and only needs to comply with the contract to get compensation, and the compensation funds are not limited by use, and some products can also be superimposed.

3. The premiums are different, the premiums of medical insurance change with age, usually every 5 ages for a segment, and the premiums for each stage will be different, the premiums are expensive when you are young, and the premiums of medical insurance are also expensive when you are older. The balanced premium used in critical illness insurance is determined according to the age at the time of application, and if the insurance age is young, the premium is cheap, and the premium in the subsequent payment period will not change with age.

4. The protection period is different, most of the medical insurance is one-year, *** the renewal of medical insurance, such as the guarantee renewal of 20 years, is equivalent to the 20-year period will not be affected by the change of health and product discontinuation, but the premium needs to be paid every year, in addition, the guarantee renewal expires, it needs to be reviewed or the product can not be renewed. Critical illness insurance is long-term protection, such as lifelong, if the premium is paid, there is no need to pay, and it can be insured until the end of the coverage period or the termination of insurance liability.