Is it necessary to buy critical illness insurance? Is it worth buying?

Of course it is necessary! Critical illness insurance is a type of income loss insurance. Its function is to pay a large amount of money when you get sick, so that people can rest peacefully without worrying about income.

If you don’t know how to buy critical illness insurance, you can read this article How to buy critical illness insurance? Zhenxinjun will teach you a few tricks!

Of course, some people think that serious illness is far away from them, and there is no need to buy critical illness insurance. But in fact, the incidence rate of serious diseases is very high. According to statistics, the average probability of men suffering from serious diseases is 74%, and the average probability of women suffering from serious diseases is 68%.

If unfortunately we suffer from a serious illness, our family will fall into an economic crisis, which mainly includes three aspects:

1. Medical expenses

Currently, the cost of serious illness Medical expenses range from RMB 100,000 to RMB 300,000. If advanced treatment technology is involved, such as proton and heavy ion therapy, the price will be even higher, with a single course of treatment costing RMB 270,000.

2. Rehabilitation costs

The recovery period after serious illness surgery is usually 6 months to 5 years, and the cost of the recovery period is not a small sum of money.

3. Loss of income

Once you suffer from a serious illness, you will be unable to continue working and lose your source of income, but you will still have to bear the burden of family expenses, housing and car loans.

Seeing this, everyone must know whether it is necessary to buy critical illness insurance. Hundreds of thousands of medical expenses for serious illness, postoperative rehabilitation costs, and various income losses during the recovery period are not affordable for ordinary families. It is necessary to purchase critical illness insurance.

Follow Jianxin Insurance and get 1-on-1 free consultation. Adhering to a professional, objective and neutral attitude, we will select more cost-effective products for you, making buying insurance an easy task!