There are many cost-effective critical illness insurance, and which one is good depends on whether it meets your needs. We have repeatedly stressed that buying critical illness insurance can't just focus on insurance companies, because both well-known insurance companies and small insurance companies have good products, and many small insurance companies you don't know can often design products with good quality and low price.
Here's how to choose the critical illness insurance product that suits you.
(1) What is the insured amount?
It is suggested that the critical illness insurance should start at 300,000, with 500,000 as the standard. If the budget is sufficient, the higher the coverage, the better.
(2) How to choose the coverage of serious illness?
All critical illness insurance products must contain 28 kinds of high-risk critical illness stipulated by the industry, and these 28 kinds of critical illness have reached a high incidence rate of more than 95%.
Therefore, in terms of critical illness protection, everyone does not need to worry too much. But if it is for children, we should pay attention to the protection of children with high incidence and serious diseases, buy it for the elderly, and pay attention to the protection of special diseases for the elderly.
(3) Do you want to choose a person who is responsible for death?
If the budget is very sufficient, that is, you want someone to bear the lifelong responsibility for death, then you can bear the responsibility for death. However, if the budget is limited, it is the best choice to buy high coverage, consumer critical illness insurance and term life insurance.
(4) 20 /30 years or lifelong critical illness insurance, which is better?
It is undoubtedly better to protect your own life, but you must choose within a reasonable budget. If the budget is limited, it can be guaranteed to be 70 years old; If the budget is sufficient, buy it for life.
(5) Is it necessary to purchase multiple payments?
If the budget is sufficient, it is no problem to consider multiple payments. But if the budget is not much, every payment is enough.
If you have any questions about critical illness insurance, please pay attention to it. We will answer any doubts about insurance with professional knowledge and an objective and neutral attitude, so that it is no longer difficult to buy insurance!