Is Good Medicare Critical Illness Insurance worth buying? Which is better, medical insurance or crit

Good medical insurance critical illness is a product that can be purchased on Alipay, underwritten by Chinese Insurance Health, divided into a one-year insurance entry-level payment, for customers with a small budget to pay one year of insurance.

1. Highlights of good medical insurance for critical illness.

Multiple claims for malignant tumors: Malignant tumors are high-incidence critical illnesses and can be paid up to 3 times.

Sum Assured Bonus: In the event of critical illness or death in the first 10 policy years, an additional 50% of the basic sum assured will be paid, and the basic sum assured will be increased by 20% in the following year by submitting a medical certificate.

Second, good medical insurance for critical illnesses is insufficient.

The leverage is not high: over 35 years old, you can only choose to pay for up to 20 years; The coverage period is lifelong, there are no term options such as 30 years or 70 years, and the insurance leverage is relatively low.

3. Precautions for the purchase of medical insurance for critical illnesses.

After the first critical illness claim, the malignant tumor multiple claims benefit is still valid.

Fourth, the applicable population of medical insurance for critical illness.

The budget is sufficient, and cancer protection is very important, and people before the age of 35 can consider it.

5. Comprehensive review of good medical insurance critical illness.

This is to protect critical illness and mild illness, as well as malignant tumors multiple claims, death liability optional, and a feature of the protection is that the sum insured can be increased, and the protection is more comprehensive.

Considering that cancer has a 5-year survival rate, this product only needs to be paid for multiple claims for cancer at an interval of 3 years, and the probability of compensation is higher than that of products that require 5-year intervals, which is more beneficial to consumers. However, there are obvious restrictions on the insurance age, insurance amount, and protection period, and there are no regular options such as 30 years and 70 years old, which is a small pity.

If you are very concerned about cancer protection, you can consider other similar products that are more cost-effective, or you can try to use two term critical illness insurance solutions, so that you can get a high enough sum insured the first time without waiting for the second payment.

Critical illnesses in commercial insurance do not meet the same criteria as critical illnesses diagnosed in hospitals. You can't listen to the insurance ** person who said that there must be a clause basis.

1) Different ways to request: critical illness insurance pays million medical insurance 2) The protection period is different: 1 year of critical illness insurance, 20 years of insurance, protection of 70 years old or lifelong, one of them can be, million medical insurance 1 year insurance 1 year 3) The age limit of insurance is different

The insurance age limit for critical illness insurance is strict, basically over 55 years old 60 years old can choose critical illness insurance, but the insurance age limit of million medical insurance is relaxed, and there are still many products to choose from over 55 years old. 4) Different coverage coverage: Critical illness insurance can provide a wide range of medical insurance coverage for serious illness, mild illness, and moderate illness in some products, including not only bad diseases, but also nursing, examination and bed expenses.

These famines are actually the clear difference between critical illness insurance and medical insurance. However, for us, the part of the concern is the request. Sickness, paying for a doctor is a serious danger, getting sick, taking a ticket to settle is medical insurance.

5) The amount of coverage is different: Many critical illness insurance amounts range from 100,000, 200,000 to 500,000.

Social Insurance Law of the People's Republic of China》 Article 24 The State shall establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.