What kind of insurance does health insurance include?

Health insurance can be categorized into medical insurance, sickness insurance, loss of income insurance for disability, and nursing care insurance. People who want to buy insurance usually choose critical illness insurance or medical insurance first.

(a) Critical Illness Insurance

Buying Critical Illness Insurance can prevent you from having to pay for treatment for a serious illness, and it's better for children, young people, and middle-aged people, and the sooner you take out an insurance policy the better the value for money.

When selecting a critical illness insurance policy, you need to pay attention to:

1, minor illness, moderate illness, critical illness coverage should be complete

A good critical illness insurance coverage should not only cover the critical illness, but also to protect the minor illness and moderate illness. The minor and moderate illness coverage should include as many high incidence diseases as possible, which is excellent for consumers. However, whether a product is good or bad should not be based solely on how many critical illnesses are covered. The new regulations on critical illnesses issued by the state stipulate that any critical illness insurance policy must cover 28 types of high incidence of critical illnesses, which means that most of the high incidence of critical illnesses in the Jedi are covered, so there is not much difference in the type of coverage for critical illnesses, no matter whether it's 100 types or 80 types.

2, choose enough coverage

Nowadays, the cost of treating a serious illness mostly fluctuates around 300,000 yuan, and if you want to use better medicines, specialists and so on, 500,000 yuan or even more can be guaranteed. Therefore, before taking out an insurance policy, it is advisable to buy at least 300,000 dollars of coverage so that the baseline for treatment can be reached. If the budget is sufficient, the sum assured can be increased down the line. What is the most appropriate amount of coverage for people to buy critical illness insurance? If you want to know more about it, you can read this article:"How much insurance is the best thing to buy?

3, with cancer multiple payouts and other plus points more excellent

a critical illness insurance, in addition to the basic protection of the death, the insured exemption, etc., better is to have a cancer multiple payouts and other advantages, so that the protection is more comprehensive. On the critical illness insurance more adequate advice, are summarized well, essential dry goods, worth having:"The new definition of the most worthwhile to buy critical illness insurance is actually these ten!

(ii) medical insurance

As a medical insurance with medical insurance complementary to each other, has the attribute of reimbursement,

in the selection of the need to pay attention to:

1, focusing on the content of the coverage

Medical insurance is basically a wider range of coverage, including the general hospitalization and hospitalization for serious illnesses Terms of the excellent million medical insurance, the richer the responsibility of protection, the better, because the increase in coverage means that we can enjoy more reimbursement programs, there are more medical expenses can be used to reimbursement.

2, look at the renewal conditions

In the selection of medical insurance, it is recommended to choose the renewal conditions loose or guaranteed renewal products. A good medical insurance product will not be affected by the insured's deteriorating health or having made a claim, and then refuse to insure or raise the premium.

3, pay attention to value-added services

Some value-added services are still very practical, usually with hospitalization medical fee advance payment, medical green pass, proton heavy ion reimbursement, etc., of course, the more the better. If you want to know more about the value-added services in medical insurance, the following article is a must-read: Super Full!

Writing in the end

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