In recent years, critical illness insurance has become an important insurance purchased by many people. In addition, some bad living habits, such as drinking and smoking, can also increase the possibility of suffering from major diseases.
So, who needs to buy critical illness insurance? What should you pay attention to when buying critical illness insurance?
1. Who needs to buy critical illness insurance?
As a type of health insurance, critical illness insurance is suitable for almost all people. However, it is best for these people to configure critical illness insurance as early as possible:
1. Family economic pillar
For those who bear the financial responsibility for the family, their income is crucial to the normal operation of the family. Therefore, it is even more necessary to use critical illness insurance to transfer the economic losses caused by the risk of serious illness.
2. Single people
For single people, they are their own source of income. When facing health problems, they may need extra funds to pay for treatment. Therefore, critical illness insurance is also very important.
3. People in high-risk occupations
People who work in high-risk occupations, such as soldiers, firefighters, and police, are more likely to face potential health risks due to the nature of their work. Therefore, it is important to configure critical illness insurance in advance.
2. What should you pay attention to when buying critical illness insurance?
There are a lot of mixed products on the market now, and people who don’t understand insurance can easily buy the wrong ones.
So, what should you pay attention to when choosing critical illness insurance?
1. Buy enough insurance coverage
The main function of critical illness insurance is to compensate for income loss. Once an adult is seriously ill, they will face at least 3-5 years of disease treatment, during which they will not be able to work and have no income. Therefore, the coverage of critical illness insurance should be sufficient to cover at least 3-5 years of annual income.
2. Do not buy return-type or win-win-win products
Most of these two types of products have high premiums but incomplete coverage, which can easily lead to spending a lot of money without getting good coverage. It is best to avoid them.
3. Complete basic responsibilities
Now most critical illness insurance plans have relatively complete basic protection. The industry has unified regulations for the 28 most common critical illnesses, and there is not much difference. The focus should be on the protection of mild and moderate illnesses, such as whether the mild and moderate diseases corresponding to the 28 most common critical illnesses are included, and whether the compensation ratio and number of compensation are excellent.
4. Pay attention to cancer protection
When the insured amount is sufficient and the basic liabilities are complete, the focus should be on cancer protection. For example, Super Mario No. 10 can choose malignant tumor – severe unlimited number of compensation.
5. Choose low-priced products
Under the same protection conditions, choose lower-priced products with better cost-performance ratio. Don’t worry too much about the size and brand of the insurance company. The main thing is whether the insurance is compatible.
3. Summary
In general, different types of people need to purchase critical illness insurance when facing different situations. Everyone can choose according to their own situation and purchase corresponding critical illness insurance products to provide protection.
