Why do you have to go to critical illness insurance when you have medical insurance?

Although both medical insurance and critical illness insurance belong to personal insurance, the contents of their protection are still different. The following is a detailed explanation by the senior sister, why there is medical insurance and it is necessary to configure critical illness insurance.

If you don't know these two kinds of insurance, you can read this article first: In-depth analysis: which one needs to buy more, million medical insurance or critical illness insurance?

1, with different guarantee periods.

At present, the common medical insurance products on the market are all one-year products, and many products are not guaranteed to be renewed, which means that the subsequent renewal will be affected by the suspension of product sales and their own physical factors.

If you are in poor health or have a claim for illness, you may not be able to renew your insurance. At the same time, it is difficult to apply for other medical insurance.

The long-term protection period in critical illness insurance is relatively long. Generally, you can choose to protect the insured at the age of 70 or 80 or choose lifelong protection.

Compared with medical insurance, long-term critical illness insurance is relatively stable and can provide long-term stable protection for the insured.

If you don't choose the period of critical illness insurance, you can read this article: Should critical illness insurance guarantee a fixed period or a lifetime guarantee?

2. The nature of creditor's rights is different.

Medical insurance belongs to reimbursement insurance, such as millions of medical insurance, which mainly reimburses the treatment expenses caused by our illness and hospitalization. After deducting the deductible, all expenses that fall within the scope of medical insurance reimbursement can be reimbursed by medical insurance.

Critical illness insurance belongs to payment insurance, which mainly provides protection for diseases stipulated in the policy. If the insured suffers from the disease stipulated in the policy and meets the claim conditions, the insurance company will pay a sum of insurance money directly.

If we are seriously ill, although medical insurance can reimburse part of the expenses, where will the economic losses during our illness, subsequent recuperation expenses and living expenses come from? At this time, critical illness insurance will come in handy. The payment of critical illness insurance is unlimited, which can effectively make up for the economic losses of the insured during his illness, and can also be used as living expenses and recuperation expenses.

Generally speaking, if everyone has a sufficient budget, Senior Sister suggests that everyone buy medical insurance with critical illness insurance to provide us with comprehensive protection.

Finally, the senior sister sends you an insurance strategy: which insurance is good, how to buy a good deal, and teach you to avoid these pits of insurance.

Hope to adopt

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