Buying critical illness insurance online, without the guidance of professional consultants, will be wrong if you are not careful. These misunderstandings must be vigilant → "Is it reliable to buy insurance online?" Be wary of these misunderstandings! 》
Life-long critical illness insurance is not as expensive as possible.
Take the products of an insurance company as an example. A 30-year-old man was insured with a critical illness insurance of 65,438+10,000 yuan. If he chooses the critical illness insurance with the function of surrender, he will have to pay the premium of 2840 yuan every year at the age of 59. Guarantee 27 kinds of major diseases until the age of 88, and enjoy death compensation and maturity compensation. If you choose another additional critical illness insurance, you only need 280 yuan to pay the annual premium at the age of 30, and then adjust the premium every five years; Guarantee 16 major diseases and 4 operations.
The premium difference between the two kinds of critical illness insurance is 10 times, but it is difficult to simply compare their advantages and disadvantages. One is the main insurance, which can be purchased separately and surrendered, so the premium is higher. One is additional insurance, which can only be purchased after purchasing term life insurance. It's pure consumer insurance.
It is recommended to consult the mint insurance platform for lifelong critical illness insurance. Mint Insurance not only supports offline insurance consulting services, but also recently launched the "underwriting check" WeChat applet, through which insurance brokers can directly inquire about the advice of disease underwriting, thus better serving non-standard healthy customers.