Anti-cancer insurance belongs to health insurance and is a kind of critical illness insurance, which mainly provides protection for cancer. Cancer can be divided into carcinoma in situ and tumor according to its severity. Different cancer insurance provides different protection.
Consumer cancer insurance is more suitable for people with low premium budget and paying attention to security function, while consumer general insurance has a shorter term. If you are young, or your premium budget is limited, and you value the protection function of insurance most, you might as well buy pure consumer cancer insurance products directly, and you can exchange the lowest expenditure for basic protection.
Refund-type cancer insurance has the function of saving money. Generally, the premium is relatively high and the insurance period is relatively long. If you are over 35 years old, have good economic conditions, pay more attention to the saving function, but want to effectively protect the cancer risk you may face, then you can choose the return type.
Different insurance products provide different protection in specific terms. Because cancer can be divided into cancer in situ and tumor according to its severity, cancer in situ generally costs less, but there are some special circumstances, and tumor generally costs more. Therefore, some cancer insurance will only protect the tumor, not the cancer in situ. In addition, some products will also provide cancer hospitalization allowance insurance, cancer surgery insurance, chemotherapy insurance, liver transplantation or hematopoietic stem cell transplantation insurance and death insurance. Therefore, when choosing anti-cancer insurance, we should pay special attention to its protection. The more comprehensive the protection, the better. Of course, the corresponding premium will be more expensive.