How to buy critical illness insurance, and how to buy critical illness insurance

In general, purchasing critical illness insurance is based on the following four steps:

1.Consider your budget.

Generally speaking, it is best not to spend more than 10% of the annual household income, including critical illness insurance.

After all, in addition to housing and car loans, ordinary families also have to raise children and take care of the elderly. If the insurance money is more than 10%, it is likely to cause a lot of financial pressure on yourself.

2.Determine the sum insured.

The essence of critical illness insurance is to spend money on insurance. Once a serious illness is obtained, the money from the insurance company can not only be used to treat the disease, but also to buy health care products and pay for the patient's living expenses.

In general, the recovery process of patients also needs to last for 3-5 years, and the amount of insurance purchased should be as much as possible to support the financial expenses during this period.

Therefore, it is recommended that the amount of critical illness insurance start at least 300,000, and if conditions permit, it can reach 500,000 or even higher.

3.Consider the duration of coverage.

The duration of critical illness insurance is flexible. You can choose to keep it for the rest of your life, or you can choose to keep it until you are sixty or seventy years old. So, which is better, life or decades?

Just looking at the guarantee time, it is definitely better for life. However, the longer the coverage period, the more expensive the premium.

For most families, the pressure of lifetime critical illness insurance is relatively high, so you can consider choosing a product that covers you up to the age of 60 or 70.

4.Do health advice.

In addition to the above three points, health notification is also a hurdle when buying insurance. After all, we are not doctors, and it is difficult to remember all medical history in the face of health information, so it is recommended that you check your previous medical records and examination reports before buying insurance.

In case you are not careful, you can easily leave trouble for future claims if you do not comply with the health notice.

Which insurance company is better for critical illness insurance.

Critical illness insurance is a kind of commercial insurance behavior in which the insurance company pays the insured's medical expenses in a lump sum according to the provisions of the insurance contract after the insured suffers from a critical illness in the clause. There is generally a waiting period after the purchase of critical illness insurance, the general waiting period ranges from 90-180 days, you need to pay attention to check when purchasing, the shorter the waiting period, the better, the higher the amount of insurance for critical illness insurance, the better, but it is also necessary to have at least 300,000 yuan of insurance under the condition that economic conditions allow, and the protection content of critical illness insurance also needs to be carefully checked, focusing on how many types of critical illness protection are covered by the protection, and whether there is a minor illness compensation.

The main buyers of critical illness insurance are those who act as the breadwinners of the family. Because once they fall, it affects the life of the whole family. The protective effect of critical illness insurance can reduce the losses caused by this possibility.

Secondly, even minors such as children also need to purchase critical illness insurance. One is because they are not yet mature and have a higher risk of serious illness. Moreover, their illness may also affect the status of their parents, which in turn affects the family's income.

In addition, young people in their twenties and middle-aged people under the age of 55 are also among the main people who buy critical illness insurance. The former can purchase critical illness insurance to protect against the economic risks caused by future diseases, while the latter is due to the rapid increase in the incidence of critical illness after the age of 55, and critical illness insurance can effectively improve personal protection.

If you are interested, you can take a look

1. Lack of high incidence of mild symptoms.

Individual companies "had an idea", I paid attention to mild symptoms, and deliberately missed a few high-incidence mild symptoms. Mild and moderate symptoms are essentially the early stages of a serious illness; Since the conditions for critical illness benefits will not be easily met, mild illness protection is very important.

2. There is also a doorway for statutory critical illness.

The definition of statutory critical illness is the same, so don't pay too much attention to it, but the trap is here again. Because among them, there are 6 types of critical illness claim age, which can be set by yourself.

Among these 6 types of critical illnesses, some products will not cover the liability for blindness in both ears, deafness in both ears, and loss of speech ability for 0-3 years old.

For the elderly, there are some products that will only cover Alzheimer's disease, motor neuron disease, and Parkinson's disease until the age of 70.

3. Don't buy return-type insurance.

Return-based insurance means that you have to pay a large amount of money, and the insurance company will return it to you after many years of investment.

This kind of insurance is very expensive, and the protection is often short, once a claim occurs, don't think about getting back the premium.

4. The large and comprehensive critical illness insurance is ridiculously expensive.

Other people's critical illnesses are generally critical illness, mild illness, and death benefits; However, there is such a critical illness insurance with such a bridge, and the protection is exaggerated.

However, many of the benefits of this insurance are shared! For example, critical illness, death, total disability, and terminal illness, as long as one of them is compensated, the other pants will not be compensated.

This kind of product is often average and can be ridiculously expensive; Because more than a dozen guarantees are superimposed, it is not convenient for you to compare with other products, and you can't see through it at all.

Pay attention to attentive insurance, 1-to-1 free consultation, we uphold a professional, objective and neutral attitude, select more cost-effective products for you, and make buying insurance an easy task!

Critical illness insurance purchases need to be noted:

1. Choice of protection period: Heavy escort insurance has regular and lifelong protection, and the regular protection is to cover a certain age, the premium is cheap, and you can enjoy comprehensive protection at a low level. Lifetime protection has a long coverage period and expensive premiums, so you don't have to worry about not being able to apply for insurance due to health problems when the coverage expires.

2. Comprehensive scope of insurance and disability: Most critical illness insurance products include mild, medium and severe illnesses, and some products will increase additional claims for high-incidence critical illnesses.

3. Number of critical illness claims: It is already very common for critical illness insurance to pay multiple claims, both grouped and non-grouped, but the premiums will be different, and the single claim product for critical illness can also increase the number of critical illness claims through additional insurance, so as to improve the probability of compensation for high-incidence critical illness.

4. Critical illness insurance purchase channels: Critical illness insurance purchase channels can be selected through third-party insurance product sales platforms, insurance brokers, or offline traditional insurance company salesman channels.

If the critical illness insurance can be on the um, the insurance company buys commercial insurance, which will be more appropriate, and you can ask the salesman to introduce it to you.

In the case of a critical illness, the hospital has a record and cannot purchase insurance.