When it comes to personal insurance, there are usually three kinds of insurance: critical illness insurance, accident insurance and medical insurance. If it is the backbone of the family economy, life insurance needs to be configured.
Want to know more about the differences between these kinds of insurance, you can read this article: What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
First of all, talk about critical illness insurance. Critical illness insurance mainly covers major diseases. Once the insured is diagnosed as a contracted disease and meets the claim standard, the insurance company will make corresponding claims. The compensation insurance money is not limited in use, and can be used to pay high treatment expenses, and can also be used to make up for insufficient income due to illness.
Secondly, medical insurance. Different from critical illness insurance, medical insurance belongs to reimbursement insurance, which mainly reimburses reasonable and necessary treatment expenses incurred in hospitalization and outpatient service, and can also be said to be a supplement to medical insurance. Most of them can reimburse expenses that medical insurance can't.
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Finally, there are accident insurance and life insurance. Accident insurance mainly protects personal injury caused by external, sudden, unintentional and non-disease events, which can be said to be insurance that people of all ages should configure. On the other hand, life insurance is somewhat different. Life insurance is more suitable for the purchase of family economic pillars. Once the family's economic support is unfortunate, the insurance premium of life insurance can also help the family tide over the difficulties and maintain a normal life.
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