Do you want to buy million medical and critical illness insurance together?

Million Medical Care is not necessary and critical illness insurance.

Buy together, because million medical insurance and critical illness insurance are independent main insurance, so the policyholder can buy million medical insurance and critical illness insurance separately, or only one of them. However, million medical and critical illness insurance can solve different problems respectively, million medical can be hospitalized to reimburse medical expenses, and critical illness insurance can alleviate the financial burden after illness and solve the problem of medical treatment, recuperation, ** and loss of income. If the economic conditions allow, it is recommended that you can configure both medical and critical illness insurance.

Because although the medical insurance and critical illness insurance are based on the health of the insured as the subject of insurance, the scope of protection of the two is different, the coverage of the million medical insurance is relatively wide, major and minor illnesses can be reimbursed, and critical illness insurance can only reimburse major illnesses, and its advantage is that the insured only needs to be diagnosed with a critical illness as agreed in the contract.

You can get the critical illness insurance benefit paid by the insurance company.

Therefore, in general, when the economic conditions allow, the policyholder can configure millions of medical insurance and critical illness insurance at the same time, so that they can get double protection.

Whether or not they need to be purchased together needs to be comprehensively weighed according to the specific situation of the individual. [Click to get a free 1-to-1 insurance consulting service].

Million Medical Insurance is a type of coverage against accidents or sudden illnesses, which is mainly used to cover the medical expenses incurred by the insured due to accidents or sudden illnesses. Since the medical costs of sudden accidents and illnesses are often relatively high, purchasing a million medical insurance can bring great financial security to the insured and the family.

Critical illness insurance is a type of coverage for specific illnesses, which mainly provides a fixed amount of compensation to the insured when the insured is diagnosed with some serious illness to help them cope with the ** and ** expenses of the illness. Critical illness insurance usually covers a wide range of illnesses, including critical illnesses such as heart disease, cancer, stroke, etc.

From a risk point of view, buying these two types of insurance can supplement each other's shortcomings. Million Medical Insurance is mainly for the payment of medical expenses for various diseases, while critical illness insurance provides high compensation for some specific diseases, which can help the insured cope with expenses such as ** and **.

Before making a purchase, you need to consider it comprehensively according to your actual needs.

If you want to buy insurance, you can pay attention to the camel plan.

Relying on big data, cloud computing and artificial intelligence, Camel Planning develops an intelligent program configuration system to help users quantify family risks and accurately match products; Through actuarial, underwriting, claims, legal and other professional support, we provide users with efficient and worry-free full-process services. <>

If the economic conditions do not allow it, and only one insurance can be insured, it is recommended to first purchase the million medical insurance, and then supplement the critical illness insurance. According to the probability of claims, the probability of millions of medical insurance claims is greater than the probability of critical illness insurance, and a person's life does not necessarily occur a major illness, but the hospitalization is basically very likely to happen. Therefore, in terms of the difficulty and probability of claims, the first choice is million-dollar hospitalization medical insurance.

Million medical insurance is a supplement to social security, many self-financed drugs that cannot be reimbursed by social security, imported drugs can be reimbursed with million hospitalization medical insurance, and they generally do not limit the means, in the reimbursement of inpatient medical expenses can reduce the burden of patients, so that patients do not have to worry about the cost of medication when they are hospitalized, and get better conditions, so that patients can get better medical services and improve the probability of survival.

Of course, million medical insurance is not a panacea, and there are also parts that are not covered that need to be supplemented through critical illness insurance. For example, because of the loss of income interrupted by a serious illness, you can only rely on critical illness insurance to make up for it, which is not possible with social security, as well as other expenses such as the first cost after a serious illness, nutrition costs, nursing costs, etc., can be solved by purchasing critical illness insurance.

The reasons are:1Million Medical Insurance and Critical Illness Insurance have different coverage and can complement each other.

Million medical insurance can mainly reimburse the insured for illness or accident, special outpatient medical expenses, outpatient surgery expenses, and outpatient and emergency medical expenses before and after hospitalization; Critical illness insurance can mainly claim directly after the insured suffers from malignant tumors, cerebral hemorrhage and other serious illnesses, and some critical illness insurance has death protection;

2.If the insured meets the conditions for both medical treatment and critical illness insurance claims, he or she can also apply for critical illness insurance claims after reimbursing the relevant medical expenses with the medical insurance of millions;

3.The premium of Million Medical Insurance is relatively cheap, and even if you buy Million Medical Insurance and Critical Illness Insurance at the same time, the pressure on premium payment is not very great;

4.Million medical insurance generally has reimbursement ratio and deductible restrictions, while critical illness insurance has no relevant restrictions, which can make up for the medical expenses that the insured chain insurers need to bear;

5.Millions of medical insurance generally pay for one year of insurance, although *** renewal, but there is no lifetime guarantee renewal, critical illness insurance can be lifelong insurance, effectively preventing millions of medical insurance from expiration, the insured suffers from a serious illness but is not guaranteed;

6.The insured suffers from a critical illness, the medical expenses are huge, the cycle is long, and the combination of millions of medical treatment and several liters of critical illness insurance can help the insured minimize financial losses;

7.The insured amount of medical insurance can generally reach one million, and the insured amount of critical illness insurance is generally hundreds of thousands.

Critical illness insurance and million medical insurance can be paid at the same time. Critical illness insurance is a fixed amount insurance for state signs, and medical insurance for millions is a reimbursement insurance, the two do not conflict with each other, can be paid at the same time, can also apply for claims and reimbursement at the same time, as long as the two claims and reimbursement conditions are met at the same time, then you can get the claims and reimbursement of critical illness insurance and million medical insurance at the same time.

For example, if Xiao Tian has purchased critical illness insurance and million medical insurance at the same time, and unfortunately suffers from malignant tumor hospitalization after the waiting period, he can apply for critical illness insurance claim insurance benefits, and at the same time, he can also apply for million medical insurance to reimburse the relevant medical expenses he actually incurred.

1.Critical illness insurance and million medical insurance have different coverage and can complement each other. Among them, the critical illness insurance can mainly be used to pay the insurance money after the insured suffers from a serious illness such as malignant tumor and cerebral hemorrhage, and meets the requirements of the claim clause.

Million Medical Insurance can mainly reimburse the insured for reasonable and necessary medical expenses due to illness or accidents;

2.If the insured meets the compensation conditions of both critical illness insurance and million medical insurance, he or she can use the million medical insurance to reimburse the relevant medical expenses, and then use the critical illness insurance to compensate the insurance money;

3.Million medical insurance does not have death protection, and some critical illness insurance can die;

4.The premiums for Million Medicare are relatively cheap. Even if you buy critical illness insurance and medical insurance at the same time, the pressure on the policyholder to pay the premium has not increased much.