What is the significance of critical illness insurance?

Critical illness insurance is a type of insurance that covers common critical illnesses, such as myocardial infarction, malignant tumors, cerebral hemorrhage, cerebral infarction, etc. Under the new regulations, we have evaluated more than a thousand critical illness insurance products and selected the ten best critical illness insurance products on the market. Quickly click → "Breaking News!" Ranking of newly defined serious illnesses announced! It turned out to be the first place! 》

Once the insured suffers from any of the diseases specified by the insurance company, the insurance company needs to compensate him for the medical expenses. Generally speaking, critical illness insurance includes return-type critical illness insurance and consumer-type critical illness insurance. It has the following meanings:

1. It can make up for the shortcomings of social security

Since social security can only provide people with certain subsidies and the most basic protection, a large part of the treatment The cost also needs to be paid by people themselves first and then reimbursed. The amount of such reimbursement is relatively limited, and there is no compensation for death caused by illness. Therefore, you can choose a commercial critical illness insurance to make up for the shortcomings of no social security. Many commercial critical illness insurance claims do not conflict with social security, which is particularly popular among many people.

2. It allows people to have medical care when they grow old.

Since people’s ability to resist disease risks will become worse and worse as they age, purchasing critical illness insurance can prevent them from getting sick. The economic confusion of critical illness. In this way, we can ensure that they have adequate support and medical care for the elderly, thereby improving their enthusiasm for life and work.

3. It has a refund function

Some insurance companies launch critical illness insurance products that will refund the premiums in various forms, allowing the insured to arrange their life in a planned way. , and all unexpected impacts and unsafe factors will be borne by the insurance company, giving the insured peace of mind.