Can mutual insurance replace critical illness insurance?

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Xiao Nuo answer:

Hello!

Mutual insurance cannot replace critical illness insurance, which has the following two defects:

1. The mutual insurance coverage is insufficient. According to the mutual insurance rules, the amount of protection for users aged 30-39 is 300,000; The amount of protection for users aged 40-59 is only 65,438+10,000.

Many people buy long-term critical illness insurance because they are worried that their physical condition is not as good as when they were young, and they will feel at ease when they have a critical illness insurance.

But we can see that after the age of 40, the amount of protection provided by mutual insurance is only 65,438+10,000, which can only be said to be a drop in the bucket.

At the age of 60, he automatically withdrew from mutual insurance, and even the insurance amount of 65438+ 10,000 was gone. Mutual insurance is a supplement to the traditional insurance industry, not a substitute.

2. The guarantee period is not long enough. Mutual Insurance Association quits automatically after the age of 60. According to the survey data, the incidence of major diseases increases with age. Mutual insurance doesn't work when it is most needed. If there is no other long-term critical illness insurance, once you are over 60, it may have a great impact on your family.