Which is better, Million Medical Insurance or Critical Illness Insurance?

Million Medicare. 1.The payouts are different:

Critical illness insurance is paid out in a way that as long as you get a contracted illness during the insurance period and meet the claim criteria, the insurance company will pay a sum of money directly, while medical insurance is a reimbursement-based product. You need to pay for the hospitalization first, and then the insurance company will reimburse you according to the contract.

2.The function is different: the money paid for critical illness insurance is free of charge, and can be used for ** recuperation, or for daily household expenses. However, the nature of medical insurance reimbursement determines that it can only be used for ** diseases and cannot be used for other purposes.

3.From the perspective of underwriting standards: according to physical conditions, the order of underwriting from strict to loose is no deductible medical insurance, million medical insurance, critical illness insurance, cancer prevention insurance, life insurance, and accident insurance.

Extended Information: Notes:

Buying insurance is buying protection, and protection always comes first. Medical insurance is more complex and covers outpatient, inpatient, surgical, advance payment, etc. , these should be considered in combination with needs.

Different million medical insurance and value-added services are different. For example, some support the purchase of drugs, some have proton heavy ions**, some can pay in advance, and some families share the deductible. As far as an advance payment is concerned, something is better than nothing.

Which insurance company is better for critical illness insurance.

One million medical insurance, like critical illness insurance, is a member of health insurance, which protects the health and life safety of consumers. As long as the insured suffers from the corresponding illness, they can get a claim. But there are many people here who want to ask, because everyone knows that critical illness insurance has a limit on the number of times it can be paid, and ordinary critical illness insurance only pays once.

So is there a limit to the number of times medical insurance can be paid?

There is no limit to the number of claims that can be paid out by medical insurance because medical insurance uses a reimbursement method, and compared with critical illness insurance, medical insurance can not only reimburse medical expenses caused by illness, but also medical expenses caused by accidents. There are many places where reimbursement can be made. Once there is a limit, health insurance loses its function, so there are no payouts.

So, is there no limit to the compensation of Million Medicare? No, it still has limitations.

Million medical insurance claim limits, for example, some products include 1 million for general medical insurance and 2 million for malignant tumor medical or critical illness insurance. Within this limit, consumers can be reimbursed, but once the medical expenses exceed this limit, they can no longer claim to the insurance company.

The deductible limit is actually somewhat similar to the starting payline for medical insurance. Only if the insured's ** expenses exceed the product's deductible will be reimbursed. If the medical expenses do not reach the deductible, they cannot be reimbursed.