Except for the elderly with high premium or upside down, and those who are in poor health and can't buy their favorite critical illness insurance smoothly, it is almost recommended to add another critical illness insurance if all conditions permit.
But my senior sister found that many friends don't know how to buy critical illness insurance. Therefore, Senior Sister will tell you how to insure the critical illness insurance today.
1. How to buy critical illness insurance?
1. How to buy insurance?
Not just critical illness insurance. I think many friends don't know what to pay attention to when choosing insurance.
What Senior Sister wants to emphasize to you is that before you start insurance, you must first understand these two aspects: one is the insured's insurance budget, and the other is to clarify the insured's protection needs.
In order to provide more protection for themselves and their families, some friends began to take out high insurance without thinking clearly. I don't understand that high insurance coverage equals high insurance premium, which may be an unbearable burden for them. It is not a good thing to increase the financial burden because of buying insurance! Therefore, before making a decision, we must first grasp our own insurance budget and choose the appropriate protection according to our own ability.
In addition, when we buy insurance, we also need to make clear the protection needs of the insured and choose the appropriate products according to their protection needs. After all, if the selected insurance products cannot meet our protection needs, it will be difficult for insurance to give full play to its protection role.
2. How to buy critical illness insurance?
Here are some tips for choosing critical illness insurance.
First of all, an excellent critical illness insurance needs to cover comprehensive protection, providing mild, moderate and severe protection.
In addition, the compensation intensity should be large, and the compensation ratio can reflect the compensation intensity of this type of insurance to a certain extent. Under normal circumstances, the compensation for moderate diseases is more than 60% of the basic insured amount, and the proportion of compensation for mild diseases is actually better when the basic insured amount is higher than 30%. It would be more satisfactory if the insurance company had extra compensation for special age groups.
Because the conditions of critical illness insurance in health notification are usually not relaxed, for people with physical conditions, choosing critical illness insurance with lower health notification threshold can complete insurance more smoothly!
This paper also has a detailed analysis of the choice of critical illness insurance. Interested friends don't miss:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
3. How to allocate commercial insurance?
If you only buy a critical illness insurance, the protection is not enough for most people. Because critical illness insurance only covers the diseases agreed in the terms, it does not support the protection of diseases outside the agreement! What's more, we have to deal with the risks of accidents and deaths.
So according to the analysis of the specific situation, maybe you need to take out other insurances, such as millions of medical insurance and accident insurance.
Second, what should I pay attention to when buying critical illness insurance?
It should be noted that some critical illness insurance on the market may have some settings that are not cost-effective for the insured.
For example, paying critical illness insurance for many times may cause unreasonable grouping. Because in the market, multiple payments are made in groups, which means that multiple diseases are put together, and each group only pays once.
For example, there is a critical illness insurance product, and the relatively high-incidence diseases are all in a group, which is not good.
There are still many precautions when choosing critical illness insurance. You can read this article for more information:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
Third, the recommendation of critical illness insurance products
There are many kinds of critical illness insurance products on the market, which one is worth starting with? If you want to know about this situation with senior sister, senior sister will definitely recommend you to pay attention to Versailles plus critical illness insurance of Tongfang Global Life.
Versailles PLUS critical illness insurance is one of the most valuable critical illness insurance products in the market today, which provides comprehensive protection and adequate compensation, and can also bring extra compensation to the insured in special age groups.
If you are interested in this product, you may wish to take a look at this article for a detailed understanding:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Fourth, buy critical illness insurance, choose a big company or a small company?
Although some friends prefer to choose big companies when buying critical illness insurance, they think big companies are more reliable.
But big companies and small companies are very reliable! It should be understood that in China, the threshold for the establishment of insurance companies is not so easy to reach, and it needs to be strictly examined by the CBRC before it can be approved. Therefore, the companies that have passed the audit are very strong.
Even if the insurance company is not well managed, the CBRC will take corresponding measures to get out of the predicament and ensure that the policy rights of consumers will not change!
Therefore, we should not only pay attention to the reliability of insurance companies, but also pay attention to whether the specific critical illness insurance products are commendable and meet their own needs! In fact, what protection is provided by critical illness insurance and how much to pay are clearly pointed out in the terms.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!