Which insurance is better to cover sickness insurance, and what kind of insurance is better to buy f

Generally speaking, there are two types of insurance that can cover illness: medical insurance and critical illness insurance.

If you are interested, you can take a look

Below, I will introduce the difference between these two types of insurance:

1. From the perspective of the content of the guarantee.

Medical insurance covers medical expenses in the event of illness, while critical illness insurance covers the financial loss caused by the illness and the cost of living during the illness.

Therefore, in terms of health insurance protection, they are a pair of complementary combinations, and only by combining them with critical illness insurance and millions of medical insurance as the auxiliary can the protection be more comprehensive.

2. From the point of view of payment method.

The premium of critical illness insurance is paid for a period of time, and there is no need to pay it after payment, but the protection can continue to be enjoyed, just like we take out a loan to buy a house, and the house is ours after the loan is paid.

And million medical insurance is like renting a house, paying for one year and guaranteeing one year, but no one can rent the house to us for a lifetime, and often the landlord needs to give the house to the children as a marriage house and kick you out, so you have to find a new house. It's the same as the Million Dollar Medical Insurance may be discontinued.

3. From the perspective of compensation methods.

Critical illness insurance: fixed amount payment type, buy as much as you want, buy more than you want, you can stack the claim if you buy multiple copies. For example, if you buy 500,000, you will lose 500,000.

Medical insurance: reimbursement compensation type, how much you spend, even if you buy multiple copies, the reimbursement will not exceed the total cost. For example, if you spend 200,000, you can only be reimbursed at most 200,000.

Pay attention to attentive insurance, 1-to-1 free consultation, we will answer any doubts about insurance for you with professional knowledge, objective, neutral and enthusiastic attitude, so that it is no longer difficult to buy insurance!

Which insurance is better to cover sickness

Buying insurance should be bought according to your own needs, and it should also be considered according to your actual situation, including the amount of premiums you can afford, your physical health, your age, etc. Let's take a look at how to choose when applying for critical illness insurance.

1.If you suffer from a serious illness such as a malignant tumor or a serious chronic disease, you usually cannot pass the health notice, but if you only suffer from a minor illness such as cold and appendicitis, it will not affect the insurance of critical illness insurance too much;

2.The age of the insured is also very important, if the age is too old, there may be a situation of inverted premiums, that is, the premium paid is higher than the sum insured, then it is not cost-effective;

3.The premium sum insured can be selected according to your family's financial situation, but the higher the sum insured, the higher the premium;

4.Coverage: You can find out whether it includes common diseases, whether the diseases are grouped, the maximum number of claims that can be claimed, and the specific claim conditions.

Critical illness insurance

Critical illness insurance is specific critical illness insurance administered by an insurance company. After the new regulations on critical illness in 2020, there are 28 types of critical illness insurance that must be covered for critical illness and 3 types of minor illness. In this way, it provides the insured with more comprehensive disease protection, so that even if the insured suffers from a critical illness, it can greatly reduce the financial pressure.

Critical illness insurance generally covers serious illnesses such as malignant tumors and serious chronic diseases, such as myocardial infarction and cerebral hemorrhage.

Critical illness insurance eligibility

1.For example, there is a provision that only people between 30 days old and 60 years old can apply for critical illness insurance, so if they are not within this age range, they cannot apply for the critical illness insurance;

2.If the insured is in good health, when applying for critical illness insurance, the insured also needs to pass the health notice before purchasing it, if it cannot pass the health notice, it cannot be insured. However, it is not necessary to buy critical illness insurance as long as there is a problem with your health, for example, if it is only a minor illness or has been cured, then there is still a chance that you can exclude, increase the fee, or even standard coverage;

3.Occupational requirements, some critical illness insurance also has certain requirements for the occupation of the insured, if it is a high-risk occupation, then most critical illness insurance stipulates that it cannot be insured.

In the process of preventing diseases, the first thing to do is to prevent major diseases. After all, the damage to both individuals and families from critical illnesses is significant.

In the event of a critical illness, the insured person has to bear high medical expenses, and the family often has a lower income due to caring for the sick.

By allocating critical illness insurance, the economic crisis caused by critical illness can be effectively alleviated. When the insured suffers from an illness covered by critical illness insurance, he or she can receive the agreed compensation from the insurance company.

Critical illness insurance is one of the most difficult types of insurance to screen, involving professional knowledge such as health notification, claim threshold, disease grouping, etc. For policyholders, it is important to fully communicate with professionals before applying for insurance.

Everyone knows that if you suffer from a more serious disease, the first thing you have to face is high medical costs. In the case of medical insurance, patients still have to bear a lot of costs.

In order to solve the medical expenses and allow the insured to get timely and sufficient **, the million medical insurance must be configured as soon as possible. With Million Dollar Medical Insurance, expenses that cannot be reimbursed by medical insurance can be reimbursed by Million Medical Insurance.

Compared with medical insurance, million medical insurance will not be restricted by the medical insurance catalog, can reimburse the cost of many imported special drugs and special medical equipment, and will also provide a wealth of value-added services.

The premium of million medical insurance is also relatively low, and it can be configured by spending hundreds or thousands of yuan per year. However, only people who are relatively healthy and not particularly old can successfully buy million-dollar medical insurance.

For people who are rejected by millions of medical insurance, they can be replaced by a combination of "Huimin Insurance + Cancer Prevention Medical Insurance", with similar premiums, but the protection will be slightly weaker.

As for what insurance is good to buy to prevent diseases, I will introduce it to you here. In general, critical illness insurance and million-dollar medical insurance are the two powerful tools to prevent disease risks, and they need to be allocated as soon as possible.

Which is better critical illness insurance?

What is the best insurance to buy for illness insurance: 1. Medical insurance: It is divided into outpatient medical care, small hospitalization medical insurance, million medical insurance, medium and high-end medical insurance, Huimin Insurance, cancer prevention medical insurance, and tax-advantaged health medical insurance; 2. Critical illness insurance:

Critical illness insurance is divided into lifelong, fixed, and one-year protection periods from the protection period, as well as: multiple claims for critical illness insurance, single compensation for critical illness insurance, critical illness insurance is a payment type, if you get seriously ill, you will be given a sum of money, what do you want to do, you can use it to maintain your life, and no one cares about even spending all day and drinking. As for what insurance is good to buy for sickness insurance, the main thing is demand:

1) The premium is tight, and it is only required to cope with the hospitalization expenses of serious illnesses: you can directly purchase millions of medical insurance, but you are worried about the high medical expenses, and you can be reimbursed for the long bills; (2) Comprehensive protection: it is best to purchase small hospitalization medical treatment + million medical insurance + critical illness insurance together, which can be reimbursed for pneumonia and gastroenteritis for minor diseases, and there are also claims for major diseases, and a large amount of money can be paid at one time to solve daily living expenses and postoperative expenses; (3) Pursue good medical services:

To solve the problem of expensive medical treatment, but it is difficult, long queues, reimbursement troubles, etc., in terms of hospitalization in the special needs department of high-end medical insurance, there are not only single wards, independent toilets, TV air conditioners, but also special people to take care of them, and the hospitalization experience is much better.

In the event of loss of income or expenses caused by illness or childbirth, or death or disability caused by illness or childbirth, the insurer shall be liable for the payment of insurance benefits in accordance with the provisions of the insurance contract.

1. Sickness insurance, that is, critical illness insurance.

It is mainly aimed at those serious diseases that can be life-threatening or costly.

2. Sickness insurance is a fixed amount of compensation. That is, as long as you suffer from a critical illness specified in the contract, the insurance company will immediately pay the insured amount.

Indemnity. 3. The insurance period of sickness insurance is generally more than 20 years, or even lifelong.

Test your anti-risk index, experts will interpret it for you for free!

If you want to ask which kind of illness insurance is better, it is of course the best product that is suitable for you and can cover your own protection needs, because only in this way can the interests of yourself or your family be protected.

However, in the face of so many insurance products on the market, in order to avoid falling into the pit when buying insurance, the following pit avoidance guide must be collected: [insurance] which is good, how to buy a good deal, and teach you to avoid these pits of insurance.

If you want to say which kind of illness insurance is more recommended, today the senior sister will bring you a critical illness insurance product - Tongfang Global Versailles Plus Critical Illness Insurance, what is special about this product, let's first take a look at its product protection map:

After reading the product protection chart above, I believe you have a certain understanding of the protection content of this Versailles Plus critical illness insurance. We can see that the protection content of this product is still very rich, not only including the basic mild, moderate and severe disease protection, but also adding the protection of mild to moderate illness additional compensation, death benefit, and the insured's mild to moderate illness exemption.

In addition, consumers can also choose whether to add the coverage of critical illness waiver premium, first malignant tumor (severe) extended benefit, and second malignant tumor (severe) extended insurance benefit according to their own needs. In general, Versailles Plus critical illness insurance has given consumers a sense of security to a certain extent.

Speaking of which, if there are still friends who are not very clear about the diseases covered by critical illness insurance, then you can take a look at this article: What diseases are covered by critical illness insurance? If you don't know these, don't buy them randomly!

It is worth mentioning that the number of minor and moderate illness claims of this Versailles plus critical illness insurance is set to share 5 times, that is to say, no matter if you are diagnosed with 3 moderate illnesses and 2 mild illnesses, or 4 mild illnesses and 1 moderate illness, you have the opportunity to get the corresponding compensation from the insurance company.

Due to the length of the article, if you want to know more about the protection content of Versailles Plus Critical Illness Insurance, you can take a look at this article: Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

The better illness insurance includes Fulu Kangrui, Health 100% C+, Doraa Guarantee Critical Illness Insurance, Doraa Guarantee Ultimate Critical Illness Insurance, and Good Medical Insurance Critical Illness Insurance.

1. Fulu Kangrui

Benefits: 100 types of critical illnesses: 300,000 yuan * 1 time; 50 types of mild diseases: 60,000 yuan*6 times; Guaranteed for life, the sum insured will be returned upon death!

Product features: 6 times of compensation for mild illness, not grouped. The company has a large brand and branches all over the country; 50 mild diseases, 6 times can be paid (no interval); Enjoy the right to annuity conversion, see a doctor when you are sick, and provide for the elderly without illness.

2. 100% healthy C+

Coverage: 105 types of critical illnesses: 300,000 yuan * 1 time; 30 types of mild symptoms: 90,000 yuan*5 times; Guaranteed for life, the sum insured will be returned upon death!

Product features: 5 times for minor illness, 30% of the compensation. The company has a large brand and branches all over the country; Wide range of coverage ages: 30 days to 70 years old; Provide medical services with three specializations and one supplement, expert hospitals, expert doctors, expert wards, and car travel subsidies.

3. Doraa Critical Illness Insurance

Coverage: 105 critical illnesses (3 claims) + 55 minor illnesses (2 claims); 3,000,000 critical illness medical coverage; Guaranteed for life, the sum insured will be returned upon death!

Product features: double waiver of premiums, multiple claims, and 3 million critical illness medical coverage. If the policyholder or the insured (the insured object) suffers from a serious or mild illness as agreed in this product, he or she does not need to pay the premium, but there is still protection; That's the legendary double waiver!

Among similar multi-claim products, it is the most cost-effective.

4. Dorabao Ultimate Critical Illness Insurance

Coverage: 105 critical illnesses (3 claims) + 55 minor illnesses (2 claims); 3,000,000 critical illness medical coverage; Guaranteed for life, the sum insured will be returned upon death!

Product features: After the new upgrade, it can be flexibly combined, and the second compensation for malignant tumors can also be added, and the upgraded rate will only increase by 3%! Double waiver of premiums and 3 million critical illness medical coverage.

If the policyholder or the insured (the insured object) suffers from a serious or mild illness as agreed in this product, he or she does not need to pay the premium, but there is still protection; That's the legendary double waiver! Among similar multi-claim products, it is the most cost-effective.

5. Good medical insurance critical illness insurance

Benefits: 100 types of critical illnesses: 300,000 yuan * 3 times (3 times for malignant tumors, 1 time for others); 50 types of mild symptoms: 60,000 yuan*3 times; Guaranteed for life, the sum insured will be returned upon death!

Product features: Multiple claims for critical illnesses, no grouping and no interval for minor illnesses. 50 mild symptoms, no grouping, no interval; 1 claim for 100 critical illnesses (3 times for cancer, 3 years apart, 80% of the sum insured for the 2nd and 3rd times).