What kind of insurance is good to buy for critical illness insurance?

1. What kind of critical illness insurance is available? In fact, there are basically two kinds of insurance for serious illnesses on the market: the first is a million medical insurance product, which is not only for critical illnesses, but also for some diseases that cost more than 10,000 yuan.

The second type is critical illness insurance, which is critical illness insurance.

It is a compensation type of insurance, if you unfortunately suffer from a critical illness and meet the agreed status stipulated in the contract, the insurance company will give a lump sum payment.

Critical illness insurance and million-dollar medical insurance can be said to be.

Although they are both aimed at serious diseases, the nature of the two is completely different.

2. Which is better for critical illness insurance? In fact, the two properties are completely different, and the scope of their roles is also different, and there is no better way to say which one, but which one is more suitable.

So if your budget is relatively low, the burden of buying critical illness insurance may be relatively large, and at this time, million medical insurance is a better alternative.

But if your budget is relatively high, it is recommended to choose a critical illness insurance, and then buy a million medical insurance products, which only need two or three hundred yuan a year to get it, and it is a very good choice to make a configuration with a critical illness.

Hello! Critical illness insurance can be purchased with critical illness insurance and million medical insurance.

If you don't know what product to buy, you can click to make an appointment for 1-to-1 insurance planning service.

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

Million Dollar Medical Insurance:

Choosing a million-dollar medical insurance policy focuses on the following three aspects:

Can it be bought: If there is an abnormality in health, you can choose a million medical treatment that supports intelligent underwriting, and you can quickly get the underwriting conclusion.

How long can you buy it: Most million medical treatments are one-year and there is a risk of discontinuation, so it is more reliable to choose a product with good renewal conditions or guaranteed renewal.

Critical illness insurance: When choosing a good critical illness insurance, you should pay attention to the following points:

1. Is there any coverage for high incidence of mild and moderate diseases?

If a critical illness insurance policy does not have mild and moderate illness coverage, you basically don't need to think about it, unless you want to buy a product that only covers critical illness. And it also depends on whether it includes high-incidence mild disease, if there is high-incidence mild disease protection, it can be detected early, early**, and will not evolve into a serious illness.

In addition, it is also necessary to pay attention to whether the compensation ratio for mild illness has reached 30%, and the compensation ratio for mild illness in many products is only 20%, which is too low.

2. Whether there are multiple claims for cancer.

Cancer is difficult to cure, and even if it is cured, it will ** or metastasize to other organs. If a critical illness insurance product has multiple claims for cancer, it is better, and you should also pay attention to the interval between multiple claims, the shorter the better.

3. Is it cost-effective?

In general, critical illness insurance and million medical insurance have different roles, so they are indispensable.

If the subject's need to buy insurance is to transfer the economic losses caused by serious illnesses, then the senior sister recommends configuring critical illness insurance and million medical insurance. Before the official introduction, you can read this article to better understand the following: Super Complete!

Everything you need to know about insurance is here.

First of all, millions of medical insurance can reimburse the deductible or more, the reasonable medical expenses within the scope of the contract within the sum insured, its protection amount is very high, usually a few hundred premiums a year can buy millions of insurance amounts, can help us solve the problem of huge critical illness ** expenses! In addition, many excellent medical insurance plans will also come with value-added services such as green channels, which can help the insured solve the problem of expensive and difficult medical treatment. When purchasing a million medical insurance product, it is best to choose a guaranteed renewal policy, so as to effectively avoid the situation that the insured cannot be renewed due to the deterioration of the insured's health.

Secondly, critical illness insurance mainly covers critical illnesses, and some products will also cover mild and moderate illnesses. During the coverage period, if the insured is unfortunately diagnosed with an illness agreed in the contract and meets the relevant claim criteria, the insurance company will pay a claim amount. This money is not restricted to use, not only for medical expenses, but also to compensate for the loss of income of patients, make up for the daily expenses of the family, etc., so as to ensure the normal life of the family.

In general, although the million medical insurance is good, it is a reimbursement system, which requires us to take various medical expenses and other documents to reimburse, and it can only help us solve the problem of ** expenses in terms of function. Critical illness insurance can play two major roles: providing the best expenses and compensating for the loss of income. Therefore, if we want to seek more comprehensive illness protection, Senior Sister recommends that you match millions of medical insurance and critical illness insurance.

If you want to transfer the huge financial risk caused by the unfortunate occurrence of a critical illness, it is recommended to purchase critical illness insurance.

According to the regulations of the China Banking and Insurance Regulatory Commission, critical illness insurance must cover 28 types of high-incidence critical illnesses. In addition, the critical illness insurance policies currently available in the market will also include coverage for mild and moderate illnesses. Some good critical illness insurance plans also include additional benefits. It can help us transfer the financial losses caused by serious illness.

Critical illness insurance. What kind of insurance to buy can be considered according to your family's financial ability and your physical condition, and the critical illness insurance currently on the market.

There are three main types: whole life critical illness insurance, term critical illness insurance, and consumer critical illness insurance. Which insurance company is better to buy critical illness insurance?

1. The characteristics of lifelong critical illness insurance are that it has a long protection period and the coverage includes critical illness and death benefits, so lifelong critical illness insurance is regarded as some assets left by the insurer.

2. Term critical illness insurance is relatively cheap, and the insurance time reaches a certain age, but there will be some rebates after the insurance period is over.

3. The advantage of consumer-based critical illness insurance is that the payment is cheap but the premium is high, but it cannot be insured after the age of 70, after all, after this age is the high incidence period of critical illness.

What are the 100 major diseases?

Each type of critical illness insurance has its own advantages, and for families with relatively low income levels, you can consider term critical illness insurance as a fixed deposit.

And there is also the role of insurance; For people with relatively poor physical conditions and difficult working conditions, they can consider consumer-based critical illness insurance, because the insured amount is low, but the premium is very high; For those who have assets and need to leave them to future generations, they can consider lifelong critical illness insurance, which can protect both illness and assets.

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

When insuring commercial health insurance, you need to truthfully inform the health status of the insured, if you do not meet the conditions, you can't buy it, otherwise you can't get compensation if you buy it. With the increasing risk of serious illness and the tendency to become younger and more dry, the importance of buying insurance by hand is also realized by many consumers.

To protect a serious illness, you should first participate in medical insurance and serious illness medical treatment, and then consider purchasing millions of medical insurance, critical illness insurance, and cancer prevention insurance in commercial insurance.

When applying for commercial health insurance, you need to truthfully inform the health status of the insured, if you do not meet the conditions, you cannot buy it, otherwise you will not be able to get compensation if you buy it.

Critical illness insurance covers 28 critical illnesses stipulated by the China Banking and Insurance Regulatory Commission

Malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease, multiple limb loss-complete amputation, acute or subacute severe hepatitis, brain tumor, chronic liver failure. Ode to oranges.

Sequelae of encephalitis or meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, brain injury, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery.