Is it necessary for people with medical insurance to buy critical illness insurance?

For people with medical insurance, it is necessary to buy critical illness insurance. Click to receive 1 insurance consulting service for free.

Although medical insurance can reimburse some medical expenses, it has the following disadvantages:

First, medical insurance can only reimburse a part of medical expenses, and the reimbursement ratio is limited. If the condition is serious, such as tumor, cerebral infarction, etc. Then even high medical insurance reimbursement will be far from enough.

Second, the scope of medical insurance and reimbursement standards are limited. Some internationally advanced medical technologies or drugs cannot be reimbursed by medical insurance in China, or the reimbursement rate is very low. However, many serious diseases require huge treatment costs, even special treatment methods, drugs and medical equipment.

Third, a serious illness will have a serious impact on the ability to work and live, leading to an increase in the family's economic burden. Critical illness insurance can not only give you the income from the treatment fund, but also provide a certain degree of income compensation. This is very important for many families, especially when they are seriously ill, and they need to spend a lot of time taking care of the patients.

Therefore, critical illness insurance is very necessary for people with medical insurance, which can provide more comprehensive treatment and higher economic security in the event of misfortune.

If you need anything, please consult Camel Planning. Camel planning has a team of senior consultants and experts in the industry, and truly recommends products suitable for users from the perspective of users. There are also technical experts from well-known Internet companies who use big data, cloud computing and artificial intelligence to help users scientifically configure security solutions; There is also a sound and powerful claims assistance team. The team members are all senior experts in the relevant fields of the industry for more than ten years, involving claims, law, underwriting, medicine and other fields, so that users can have no worries about insurance claims.