Is it good to buy cancer insurance without buying critical illness insurance, and is it necessary to

It is not appropriate to buy cancer insurance separately instead of critical illness insurance.

Although cancer is the most likely to occur among critical diseases, the probability of occurrence of other major diseases is also not low. If you only buy cancer insurance, in case of other critical illnesses, not only will you not be able to pay the claim, but you still need to continue to pay the premiums of critical illness insurance, which will make matters worse.

In fact, you can combine the purchase, based on critical illness insurance, and then purchase cancer insurance, so that you can have more complete protection, have most critical illness protection, and at the same time increase the amount of cancer.

Xueba talks about insurance, focusing on insurance evaluation! Stayed up late yesterday to tidy up"What are the [old people's insurance] and what insurance is good for your parents, you need to know these things".

See what kind of insurance is suitable for the elderly.

Critical illness insurance has more comprehensive coverage and is suitable for people under the age of 50 who do not have major health problems; Cancer insurance is specifically designed to protect against cancer, which is suitable for middle-aged and elderly people and people with abnormal health. A few days ago, a fan just urged me to quickly sort out a guide to cancer insurance insurance, and I happened to brush up on your question, so I will send this guide to you directly.

Cancer insurance, as the name suggests, is insurance that specifically covers cancer. It is generally aimed at older people, especially the elderly. At present, there are too few health insurance that the elderly can buy, and the emergence of cancer insurance is a cost-effective product to protect the elderly.

Cancer insurance is divided into the following types according to the duration of coverage:

1.One-year cancer insurance. Generally, it is to pay for one year and renew it when it expires, and it will not be advantageous when you are older, the premium will be very expensive, and this will be discontinued at any time, so it is best not to use it as the main choice.

2.Regular cancer insurance. The protection is a fixed number of years or a fixed age, almost all of them are consumer insurance, ** is also very friendly, and the average family tends to buy this kind of cancer insurance product.

3.Lifetime cancer insurance. Including death, it means that the premium can be refunded regardless of whether you get sick or not, and if you don't get sick with regular cancer insurance, the premium will be lost, but the premium that includes death is very expensive, and those with wealthy families can start it.

Now that there are too many cancer insurance products, how to identify which one is good and which is not? Take a look at this article and you'll find out"What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation".

Attention! When buying cancer insurance, these things should not be underestimated:

1.Although some cancer insurance products do not require a medical examination, this is by no means a reason for the policyholder to conceal his medical history. If there is a deliberate concealment, the insurance company may increase the insurance rate, terminate the contract or refuse to pay according to the contract, and you will be the one who suffers at that time.

2.The shorter the waiting period, the better. Under normal circumstances, there is an observation period when you buy cancer insurance, ranging from 30 to 360 days, and you cannot get a claim for the onset of cancer during this period.

3.It is recommended to choose a health insurance product with loose anti-cancer insurance to maximize your interests, I think Hongkang's [Love Worry-free] is not bad, here is a link to the article for everyone, if you are interested, click to take a look:"Hongkang [Love Worry-free] - Cancer Insurance That Can Be Bought If You Have Cancer?

Hope it helps! Hope!

First of all, let's briefly popularize cancer insurance and critical illness insurance.

Both are benefit-based sickness insurance, which is a lump sum sum insured.

The more accurate term for cancer insurance should be to prevent malignant tumors.

Narrow pass. Some partners may have questions, among them, the protection responsibility of critical illness insurance includes malignant tumors, so why should malignant tumors be designed separately to design a cancer prevention insurance?

That's because the incidence of malignant tumors is so high, if you have read the annual reports of critical illness insurance claims of various insurance companies, 10 of them can apply for claims due to malignant tumors.

So the question is, is it necessary for us to buy cancer insurance in addition to critical illness insurance?

Again, the author's sentence should be combined with the different insurance needs of each person, and it cannot be generalized.

1. If the premium budget is limited and cannot meet the gap in the sum insured of the family's critical illness, you can purchase additional cancer insurance.

2. If the family has a history of more than three malignant tumors, it is recommended to purchase additional cancer insurance, after all, cancer insurance is cheaper than major illness insurance.

3. Female compatriots, because there will be some high-incidence female-specific malignant tumors, such as breast cancer.

For cervical cancer, uterine cancer, etc., it is recommended to increase special coverage if the budget is sufficient.

Personally, I don't think it's appropriate, because if you only buy cancer insurance and don't buy critical illness insurance, in fact, many critical illnesses will not be covered.

Although many critical illnesses are cancer, it does not mean that all critical illnesses are cancer. Personally, I recommend that users purchase cancer insurance at the same time as critical illness insurance, which can provide two layers of protection, of course, provided that your personal financial situation allows. Regarding the question you asked, I will explain in detail from the following points:

1. I don't recommend buying only cancer insurance and not critical illness insurance.

We can know the difference between these two types of insurance from the literal meaning, to a certain extent, critical illness insurance covers a wider range of coverage, and at the same time can provide more comprehensive protection for the insured. Some users may feel that the premium of critical illness insurance is too expensive, but if you think about it the other way, not everyone can meet the requirements for critical illness insurance. There are many types of critical illness insurance, and you can allocate critical illness insurance to yourself if your financial conditions allow.

2. Personally, I recommend giving priority to critical illness insurance, followed by cancer insurance.

In most cases, critical illness insurance will give users more choice. At present, the critical illness insurance on the market is relatively formal, and the claim rate is also very high, basically reaching more than 95%. As long as your health and financial conditions meet the requirements of critical illness insurance, you can choose any critical illness insurance.

3. You can choose to take cancer insurance as an additional supplement.

If you already have critical illness insurance and want to provide yourself with extra protection, you can configure another cancer insurance policy. However, I suggest that you consider your financial situation, the more insurance products the better, you should ensure that these insurance products meet your actual needs, not to buy insurance for the sake of buying insurance, otherwise it will be a waste of money. At the same time, you can provide additional protection to your family by providing additional cancer insurance for your family.

If you have limited financial means, you can choose to purchase consumer critical illness insurance on a limited basis. <>

Yes, I personally recommend buying critical illness insurance because it has a wider coverage.

If you have the conditions, you should buy cancer insurance and critical illness insurance at the same time, if you can only choose 1 of 2, you can choose to buy critical illness insurance.

No, critical illness insurance includes insurance for various cancers, you should choose critical illness insurance, and critical illness insurance includes a lot of disease insurance items.

Exceptionally good. You can choose critical illness insurance, so that if you have any problems, you can get a very good compensation, and I feel that everyone will buy this insurance.

Is it okay to buy insurance if I don't buy cancer insurance, but only disease insurance?

Hello dear, is it okay to buy only cancer insurance and not to buy cancer insurance if you are insured according to your Shikuan problem: Yes, it is okay to buy only disease prevention insurance and not cancer insurance. Sickness prevention insurance is a kind of comprehensive accident insurance, which can cover the insured's medical expenses and hospitalization allowance in the event of accidental injury, sudden illness, etc.

Cancer insurance is a kind of insurance specifically for cancer, which can ensure that the insured will receive corresponding compensation when he is diagnosed with cancer. So, if you only want to buy comprehensive medical insurance and not specific coverage for cancer, then it's okay to just buy disease insurance. However, the specific insurance plan needs to be formulated according to your specific situation and needs, and it is recommended that you consult a professional insurance consultant or customer service staff of the insurance company.