What kind of critical illness insurance can I buy to entrust my life?

today, take the critical illness insurance as an example to talk about how to choose products, hoping to help everyone feel at ease.

1.

Although I remind the insurance pit every time, I also emphasize the importance of insurance.

As long as people buy a car, they will consciously buy insurance (of course, it is mandatory), but they are hesitant to buy insurance for themselves. I want to tell you that you must cherish your life.

to be fair, although insurance benefits the country and the people, it is mainly for making money.

since we have spent money, we should try our best to benefit ourselves the most. The question is coming, how to choose critical illness insurance?

according to the guarantee period, there are only a few categories of critical illness insurance.

one-year consumer critical illness insurance. This is easy to understand. If you pay for one year, you will be guaranteed for one year. If you are sick, you will be insured for illness. If you are not sick, you will be praying for money and will not be refunded to you.

the biggest advantage of this kind of critical illness insurance is that the premium is low, but the insurance coverage is ok. And you can take it one step at a time. Maybe one day, the welfare of the country will get better and better, and spending a little money will give you a very good guarantee.

the disadvantage is that the guarantee period is very short, that is, it is guaranteed for the same year, and you have to buy it again every year if you want to continue the guarantee. Some will increase according to their age, and the underwriting requirements will be high. When renewing the fee, they will have to pay more money every year. When they are old, they may refuse to renew your insurance.

I'd like to remind you that 2 yuan critical illness insurance, which is open to you every year in Shenzhen, started to be purchased in early May, with a time limit of one month. There is basically no age limit. You can apply for it individually or at work. Please pay more attention.

reference product: zhong' an guardian e sheng

a one-year critical illness insurance with high cost performance. The coverage is 7 kinds of serious diseases +3 kinds of mild diseases, and the coverage is very comprehensive. The insurance age is 18-6 years old, and the purchase threshold is low. The 3-year-old premium for the 1, edition is 21 yuan.

there is no need for health notification when renewing the insurance, and the insurance company will not refuse the insured to renew the insurance.

The second category is periodic critical illness insurance, which can be locked for a period of time, such as 1, 2 or 3 years.

that is to say, during this period, I just need to pay the premium every year, and I will have an umbrella during this contract period.

reference product: serious illness in sunshine regularly

Although there are only 42 diseases covered, it is not too many. But the biggest point is that the annual premium price remains unchanged and the insured amount doubles. For example, in the first year, my insurance coverage was 25,. If I hold on well, my insurance coverage will become 5, in the second year and 75, in the third year.

you can be insured up to 1 years old. If he dies during the insurance period, the premium paid will be returned.

the third category is long-term lifelong critical illness insurance, which simply means how long you can live, so it is suitable for making a long-term security plan, which will save trouble.

this kind of life-long insurance is naturally good, but it is piled up with money. The biggest drawback is that it spans a long time and costs a lot. If you invest for more than 15 years, it will last for 3 years. Many people simply can't stick to it.

Reference products: Tongfang's global "Healthy Life"

is mainly cost-effective, with 5 serious diseases and 1 mild diseases. The amount can be chosen at will. For example, a woman is 3 years old this year, and the basic insurance amount is 1,, which is paid in 15 years, and the annual premium is about 2,.

my suggestion is that you can buy the flexible one-year critical illness insurance before you are 3. The burden is not so heavy. If you find that you have bought a pit, you can change it to a more cost-effective one the next year.

After the age of p>3, if family conditions permit, you can buy regular serious illness first and add it to your life depending on the situation.

so how much insurance is enough? It's best to look at the insured amount.

it is recommended that you start insurance at 3, yuan, and 5, yuan is moderate. If you are not sure, the amount of insurance you choose should be 5 times of your annual income.

in fact, it's just like a mobile phone package. It's good to have enough, but the key is to pay it.

2.

To buy critical illness insurance, our sightseeing order should be: coverage, premium and insured amount.

Generally speaking, I want to know what kind of protection I want to achieve first, then consider whether I can pay this premium or not, and then see how this insurance amount is, that is, whether the money I spent is cost-effective.

In addition, focus on a few common questions about buying critical illness insurance.

(1) How many diseases should I buy for critical illness insurance? Actually, there is no need to be so entangled.

No matter which company you buy, the 25 major diseases specified by the CIRC are a standard.

It is basically enough to cover 4 kinds of diseases.

What we should pay most attention to is the incidence of diseases. For marketing purposes, some insurance companies add many less common diseases to make their products look rich and adequate.

The more kinds of diseases are covered by critical illness insurance, the higher the premium is often paid.

that is to say, for some serious diseases with low incidence, we have to pay more premiums, which is obviously not cost-effective.

Of course, if there is little difference in insurance premiums, it is better to protect more kinds of diseases.

(2) How long is the coverage period of critical illness insurance suitable?

If your economy doesn't allow, it's best to cover the age group with high incidence.

for example, you bought a 1-year insurance policy at the age of 4, and you are still healthy after the policy expires. But if you want to buy again at this time, there are few products suitable for you, or the premium is very high.

Generally, it is 45 to 65 years old, when all parts of your body start to have problems. The critical illness insurance you buy must cover this age or be added for life.

(3) Can I buy cancer insurance without buying critical illness insurance?

Many people say that since critical illness insurance is mainly aimed at serious diseases like cancer and tumor. So if I buy cancer insurance directly, I don't have to buy critical illness insurance?

Anti-cancer insurance generally covers a single disease, and the coverage is much narrower than that of critical illness insurance. You can't just buy anti-cancer insurance without buying critical illness.

after buying critical illness insurance, if you want to add another protection, you can increase cancer prevention insurance. In particular, the elderly with a clear medical history, such as old stomach problems for many years, have a high probability of getting gastric cancer, so it is necessary to increase the risk of cancer prevention.

However, serious diseases should be given priority at all times.