The company bought me social security. Is it necessary to buy critical illness insurance?

Hello! The five insurances paid by the company are social insurance, which can only provide basic protection. And social insurance also has a threshold fee and a cap line. At the same time, social insurance will not compensate some expenses that need to be paid out of their own pockets. Therefore, if you want to give yourself more comprehensive protection, it is necessary to re-purchase critical illness insurance. When you apply for critical illness insurance, you need to pay attention to the following matters:

1, pay attention to two time periods. First, the observation period, when the insured applies for insurance for the first time, the sickness expense insurance company will not be liable for compensation for a period of time from the effective date of the contract, and the shorter the time, the better; The other is the settlement time, which varies from three working days to half a year according to the settlement and funds of various insurance companies. The shorter the settlement time, the better.

2. Pay attention to the diseases covered. When choosing products, citizens should pay attention to the types of diseases covered by critical illness insurance. Paying attention to the insured diseases is not only the number of insured diseases, but the "gold content" of insured diseases. Because the incidence of each disease will affect the determination of the rate. The more diseases insured, the higher the price. The incidence of some diseases is very low, such as "myasthenia gravis", the incidence is about one in 100,000, so it is not cost-effective to insure the products of this rare disease.

3. Insurance as soon as possible. Insurance companies will gradually increase their rates as they get older. When I was young, I would buy return critical illness insurance, and the annual premium was relatively fixed. No matter how they grow up in the future, the ratio of investment to security will always be at the best level.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.