Is critical illness insurance health insurance?

Critical illness insurance belongs to commercial health insurance. It is a kind of insurance that pays the insurance premium for the diseases within the scope of the first diagnosis in the hospital during the guarantee period after the waiting period of the insured, and takes the health of the insured as the insurance target. In addition, critical illness insurance is a one-time payment product, while commercial health insurance also includes micro-medical insurance, millions of medical insurance, cancer insurance and so on. , which belongs to expense reimbursement type.

Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. New definition of critical illness ranking announced! The first place is it!

The "serious illness" covered by critical illness insurance usually has the following three basic characteristics: First, the "serious illness" will seriously affect the normal work and life of patients and their families for a long time; Second, "the cost of treatment is huge". Such diseases need to be treated with more complicated drugs or surgery, and expensive medical expenses need to be paid. Third, it is not easy to cure for a long time, or even permanently.

The insurance money paid by critical illness insurance mainly has two purposes: one is to pay the high medical expenses incurred by the insured due to illness, disease state or surgical treatment; The second is to provide financial security for the insured after illness, and try to avoid the insured family from falling into financial difficulties.

Before buying insurance, it is recommended to consult Mint Insurance. Mint Insurance Platform will answer questions for free, and the professional level will be recognized and customized. After the user pays, he signs a service agreement with Minbaobao, and the platform guarantees the service level to the user; The platform housekeeper follows up one-on-one throughout the whole process, and can enjoy services at any stage before, during and after buying insurance.