How to choose the right major illness insurance? 🌈 Critical illness insurance is considered to be a more complex insurance, when we choose critical illness insurance, we can understand this product from the following aspects: 1. The scope of protection (especially

How to choose the right major illness insurance?

🌈 Critical illness insurance is considered to be a more complex insurance, when we choose critical illness insurance, we can understand this product from the following aspects:

1. Scope of protection (especially to see if there are four mild diseases with high incidence)

2. Insurance period (whether it is a certain period or lifetime)

3. Whether it includes death liability

4. Whether there is an exemption for the insured or the exemption for the insured

5. Whether to attach mild and moderate diseases in advance

6. Whether mild, moderate and severe diseases share the sum insured

7. Number of claims

8. Whether the major illness insurance paid multiple times is grouped and whether the grouping is reasonable

9. Multiple payment of major illness insurance, the time interval between two claims.

10. Waiting period (some major illness insurance products have a waiting period of 90 days, some are 180 days, and 90 days is of course better than 180 days)

🌈 The essence of critical illness insurance is income loss compensation insurance, which is a pay-off insurance, and in the case of other medical insurance (such as million medical insurance), the sum insured can be calculated as a 3-year loss of income. If there is no other medical insurance combination, the sum insured will not only take into account the loss of income for 3 years, but also include the medical expenses of major illnesses. If you want serious illness insurance to really play a protective role, you must buy enough insurance.