What are the health insurance guarantees?

Health insurance is generally divided into medical insurance, sickness insurance, disability income loss insurance and nursing insurance. Critical illness insurance and medical insurance can be used as insurance for novices.

(1) critical illness insurance

Critical illness insurance is mainly used to treat major diseases, and the applicable population is men, women and children. The earlier you insure, the cheaper it is.

When choosing a product, you should pay attention to the following points:

1, light, moderate and severe illness protection should be complete.

An excellent critical illness insurance product will include the protection of mild and moderate diseases and the high incidence of mild and moderate diseases. At the same time, it is necessary to cover as many mild and moderate diseases as possible, so that the protection of the insured will be more adequate. However, whether the product is good or not can't just focus on the number of diseases. The state stipulates that each insurance company's critical illness insurance product must contain 28 high-risk critical illness, which has covered most common high-risk diseases. Whether the critical illness insurance is 100 or 80, the difference will not be great.

2. Choose adequate insurance coverage.

At present, it generally takes about 300,000 yuan to treat serious diseases, and at least 500,000 yuan is needed to get better treatment results. Therefore, before buying critical illness insurance, it is recommended to cover at least 300,000 yuan, at least reaching the basic treatment line. If the economic situation permits, you can continue to increase the insured amount. How much coverage should I buy for critical illness insurance to play a good role? If you want to know more, you can read this article:

What is the best amount of insurance to buy? In fact, it is based on ... "

3. It is best to have extra points such as multiple compensation for cancer

In addition to the basic protection such as death liability and exemption of the insured, the critical illness insurance will be more comprehensive with additional bonus items such as multiple compensation for cancer. More detailed suggestions on critical illness insurance are summarized for you. Remember to collect the dry goods when they are full:

"The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》

(2) Medical insurance

Medical insurance is mainly used as a supplement to medical insurance and has the function of reimbursement.

Pay attention to the following points when buying:

1, pay attention to the safety content.

Medical insurance basically covers a wide range, including general hospitalization and serious illness hospitalization, special outpatient service, outpatient surgery and emergency treatment before and after hospitalization. For a million-dollar medical insurance with excellent terms, the coverage of the policy should be as comprehensive as possible. Why? Because it also means that we can enjoy a wider range of reimbursement, and there are more medical expenses to be reimbursed during hospitalization.

2. See renewal conditions.

If you want to buy medical insurance, I suggest you choose products with friendly renewal conditions or guaranteed renewal. Excellent medical insurance will not refuse to renew or raise the premium because the insured is in poor health or claims.

3. Pay attention to value-added services

Some value-added services are still very practical, such as advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. The more, the better. If you want to know more about the value-added services of medical insurance, please click below to get more information:

Before buying medical insurance, you have to look at these "value-added services" and write them at the end.

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