How to buy insurance is cost-effective

At present, more and more people are paying attention to insurance, which is worth encouraging. However, when buying insurance, many people will ask, what insurance is better? What should I pay attention to before buying? Today, Senior Sister will teach you how to insure correctly. How to choose a good insurance?

First, how to buy insurance?

How should I buy insurance?

Some small partners who don't know much about insurance feel that products that are popular or underwritten by big companies are worth starting with when choosing insurance.

But this is not the case. When we choose insurance products, we should pay more attention to what coverage this insurance covers, what exemption clauses are there, whether it can meet our requirements and so on.

Immediately, Senior Sister cited the example of critical illness insurance and told everyone how to choose a critical illness insurance product correctly.

2. How to buy critical illness insurance?

A satisfactory critical illness insurance product should generally meet the conditions of comprehensive basic protection, optional multiple compensation protection for high-incidence diseases, extra compensation for special ages, and access to green link services.

Basic security should cover all mild, moderate and severe diseases. If there is no mild or moderate illness, from the consumer's point of view, the protection will not be perfect.

If you don't know what a good critical illness insurance is, you can read this article:

"Good critical illness insurance long like this! You have been cheated for so many years ... "

3. How to buy commercial insurance?

In the past, seniors explained to their families how to choose critical illness insurance, so is it feasible for us to buy only critical illness insurance?

Senior can tell you responsibly that it is not enough to buy critical illness insurance.

In the eyes of adults who are mainly responsible for the family economy, they should buy insurance such as critical illness insurance, millions of medical insurance, term life insurance and accident insurance, so that the protection is perfect.

Take millions of medical insurance as an example. Its purpose is to reimburse the treatment expenses incurred by our illness and hospitalization. Compared with medical insurance, its reimbursement amount is relatively high. Suppose we are sick and can't meet the serious illness claims, then we can use millions of medical insurance. As far as the expenses within the scope of million-dollar medical insurance reimbursement are concerned, we can all reimburse them through million-dollar medical insurance.

Second, matters needing attention in purchasing critical illness insurance

When analyzing critical illness insurance products, we mainly pay attention to the following contents.

Other things being equal, the waiting period of 90 days is more satisfactory than 180 days. If it is the critical illness insurance that the group pays for many times, it should focus on whether the grouping of critical illness is reasonable; It is more beneficial for the insured to pay for cancer for the second time in 3 years than in 5 years.

We should also pay attention to the proportion of critical illness insurance products to provide protection for mild and moderate diseases, and try to achieve 30% basic protection and 60% basic protection for mild and moderate diseases respectively.

3. Which one should I buy for critical illness insurance?

After understanding the above contents, senior sister believes that everyone has a certain understanding of how to choose critical illness insurance products.

If you ask your senior sister if there are any good critical illness insurance products on the market, then this Versailles plus critical illness insurance with low coverage threshold and overweight critical illness insurance is definitely worth configuring for friends.

Versailles aggravated illness insurance includes extra compensation. Once a serious illness is diagnosed before the age of 60, you can have the basic guarantee of 180%, and the first mild illness before the age of 60 can get an additional basic guarantee of 15%. }

Friends who want to know more about Versailles plus critical illness insurance can read this article:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

4. Is it better to buy a big company or a small company for critical illness insurance?

In fact, whether it is a big company or a small company, it is formal and legal.

It is not easy to set up an insurance company in China, and it is impossible without certain strength. In addition, insurance companies established in China will be supervised by the China Banking Regulatory Commission, and it is difficult for insurance companies to play tricks. Even if the insurance company goes bankrupt unfortunately, it is guaranteed by the China Banking and Insurance Regulatory Commission.

This shows that when we choose critical illness insurance, we should not be entangled in whether this product is the responsibility of large companies. Finally, we should study the security content of this product and compare whether this product meets our own security needs.

After all, the content of critical illness insurance protection and the proportion of compensation have been written in black and white in the contract terms. For example, when making claims, the insurance company only acts according to the terms.