At present, the common insurances in the market mainly include health insurance, life insurance, accident insurance and wealth management insurance. For different insurances, the questions to be consulted are different.
Then, in order to facilitate everyone's understanding, the following senior will take the purchase of health insurance as an example and tell you about the relevant content in different points.
Before we begin, if you have any questions about insurance knowledge, you can read this article to find out:
Super full! Everything you want to know about insurance is here.
In short, health insurance is an insurance that takes the health of the insured as the protection object. Then, when buying health insurance, I suggest that the following points need to be paid more attention:
1.？ Insurance conditions
Because the target of health insurance is the health of the insured, but people's physical condition will decline with age; Then the insurance conditions of health insurance are stricter.
For example, the age range of insurance, the age range of common critical illness insurance is 28 days after birth -55 years old, while the upper limit of insurance age of millions of medical insurance is mostly around 65 years old.
In terms of health notification, the requirements of health insurance are also strict. When the insured faces the process of health notification, he must tell the truth.
Therefore, when handling health insurance, we must look at the insurance conditions clearly.
2.？ Guarantee content
Of course, buying health insurance is a top priority. The more comprehensive coverage, the better!
Take critical illness insurance as an example. Usually, excellent critical illness insurance products will basically provide complete protection for mild, moderate and severe diseases, and will also provide corresponding protection for major diseases with high incidence and high susceptibility, such as multiple payments for cancer.
There are more tips for choosing critical illness insurance, and the seniors have sorted out the following points:
Which is better for critical illness insurance? How to buy a good deal? I will teach you to avoid these insurance pits with my hands.
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3.？ News report
When purchasing health insurance, in addition to paying attention to the above contents, the amount of insurance is also a major focus. If you buy more insurance, you may have to face the situation that you can't afford to pay the premium; If you buy less, you may also encounter insufficient insurance coverage.
Therefore, it is recommended that you choose a higher insurance coverage within your own economic scope.
For those who don't know how much coverage to choose, please refer to this article:
How much insurance is appropriate? Tell me the doorway inside.
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