But it is not easy to buy critical illness insurance. Everything will be fine if you buy it right, but it will be troublesome if you buy it wrong. So, which one is better to buy for critical illness insurance, and how to choose the product that suits you? Senior, come and answer.
The point of this article is
Which insurance company is better?
How to choose a good critical illness insurance
What critical illness insurance is worth buying?
1. Which insurance company is better?
When people buy insurance, the first consideration is whether the insurance company is good or not. For example, today's theme is: Which insurance company should I buy for critical illness insurance? But in fact, there is no value in buying critical illness insurance products and paying attention to insurance companies. More importantly, the product itself. Why do you say that? Because in our country, insurance companies are strictly supervised by the CBRC, and the insurance products you can buy are also strictly checked before you come to you.
In addition, insurance companies are not small and have strong economic strength. After all, they were all built after thousands of troops crossed the wooden bridge. In case of bankruptcy, the China Banking and Insurance Regulatory Commission will also help them. Anyway, it's just another insurance company, and it doesn't affect you much. Therefore, it is very important to spend more time looking at the guarantee content of products.
Second, how to choose a good critical illness insurance?
So how to buy a good critical illness insurance? Senior sister summed up several points for everyone:
Protection should be comprehensive.
Senior sister should say that good critical illness insurance should include light/moderate/heavy/specific illness/death protection. At present, the critical illness insurance on the market is basically equipped with three kinds of diseases: mild, moderate and severe. You can see how many 25 high-risk diseases it covers, and the more it covers, the better.
Especially mild symptoms, it is best to cover them all. If the weight is insufficient, it is basically not considered.
Why should we emphasize mild symptoms? As an early symptom of the disease, if it is found and treated early, it will be easier to recover and will not turn into a serious illness.
(2) The insured amount is sufficient.
Generally speaking, the coverage of critical illness insurance is at least five years' basic family expenses, and generally speaking, the senior sister suggests not less than 300,000. In the insurance contract, the higher the proportion of critical illness insurance, the better. Because suffering from serious illness at different ages may have different effects, generally, an excellent critical illness insurance will have extra compensation at some special ages.
For example, if Wang's fried products exceed Mary 3 max, before the age of 60, the mild, moderate and severe diseases will be paid extra 10%, 15% and 80% respectively.
In addition, the compensation ratio of mild and moderate diseases is too low, at least 30% for mild diseases and at least 50% for moderate diseases. The higher the compensation ratio, the more confident we are in treatment.
(C) underwriting is easy
Now life is stressful, and most people will have some minor health problems when they reach a certain age. In this case, if intelligent underwriting can be carried out during underwriting, the probability of underwriting will increase and intelligent underwriting will be more convenient and faster.
Intelligent underwriting is actually equivalent to the role of health notification. Health information is an important part of your insurance. Not only can it affect whether you can underwrite, but it will also affect the subsequent claims. If it is not done well, the subsequent claims will be very troublesome.
But you don't need to worry too much. There are still some tips and tricks to do health notification. Here is a little recommendation from my senior sister: "Tips for health notification, you won't lose money after reading it."
An excellent critical illness insurance product not only needs to meet these three conditions, but also has two indispensable points. Space is limited here, so I won't say much. Put a link here, you need to take it yourself: "What kind of critical illness insurance is worth buying? Don't miss this article.
3. What critical illness insurance is worth buying?
So what are the critical illness insurance products that meet the standards? Because the products are constantly updated and iterated, in order to let everyone know the products better, Senior Sister has prepared a daily updated list of critical illness insurance for everyone, hoping to help everyone! "The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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