Space is limited. If you want to know more about these four kinds of insurance, I suggest reading this article: What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
1, millions of medical insurance
Millions of medical insurance is used to reimburse medical expenses caused by diseases or accidents, which basically does not limit the types of diseases and treatment methods, and the scope of reimbursement is wide.
Generally speaking, it is cost-effective to spend hundreds of dollars to buy millions of insurance coverage.
2. critical illness insurance
Critical illness insurance is insurance to protect major diseases.
Having said that, some friends may think that since both medical insurance and critical illness insurance can protect diseases, is it enough to buy one?
In fact, medical insurance is reimbursed, while critical illness insurance is a one-time payment of insurance money. There is no restriction on the use of insurance money, which can be used to treat diseases and make up for income losses.
Only by allocating critical illness insurance and medical insurance at the same time can we better transfer the risk of economic losses caused by diseases.
If you want to compare these two types of insurance comprehensively, you can take a look at this popular science: after reading the defects of these medical insurance, you will know why you still need to buy critical illness insurance.
3. Life insurance
Life insurance is mainly for the protection of death and total disability, so buying life insurance is mainly for family members, not for themselves.
28-year-old people have heavy family responsibilities, so it is better to configure one.
Sister Xue has sorted out ten excellent life insurances before. If necessary, you can refer to them: Top Ten Life Insurance Worth Buying!
4. Accident insurance
Accident insurance can generally be used to protect accidental disability, accidental medical treatment and accidental death.
Accidents are hard to prevent, and accident insurance is very affordable. It only takes tens or hundreds of yuan to get comprehensive protection.
Hope to adopt
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