The purchase of critical illness insurance should first look at its coverage. It is best to estimate the risk of illness according to your own situation and then decide what kind of insurance is most suitable. The second depends on the guarantee period. With the growth of age, the incidence of major diseases will also increase, and the premium in youth is cheaper than that in old age, so don't choose short-term insurance for the sake of cheapness.
Regarding the proportion of premium expenditure for critical illness insurance, an important principle is that it will not affect the current living standard. It is suggested to be 7 ~ 10% of the annual household income. For young couples with financial difficulties, the proportion can also be appropriately reduced. For ordinary families, considering the treatment cost of common major diseases and the modern medical system, it is suggested that 65438+ 10,000 ~ 200,000 is suitable for customers with social security. Of course, the insured amount is directly related to the personal premium. It is very important for high-income families to meet their high medical expenses.
China Life Kangning Life Critical Illness Insurance (Version 20 12) can meet your requirements.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.