Critical illness insurance mainly covers major diseases. When the insured has an agreed major illness, the insurance company will pay the insurance money in one lump sum. This insurance money can be freely used by the insured, which can be used to make up for the economic losses caused by the disease, and can also be used as the follow-up rehabilitation expenses, as well as the living expenses of family members and so on. Regarding whether to buy critical illness insurance, you can read this article in detail: Do you want to buy critical illness insurance? If we don't get out of danger, won't the money be wasted?
Critical illness insurance is divided into consumption type, savings type and return type. Consumer critical illness insurance generally guarantees 20 or 30 years or 70 or 80 years old, or never dies. The premium is relatively cheap and the leverage ratio is high, which is suitable for some people with low income and heavy debts. Savings-based critical illness insurance is to protect your life with your death. You can get insurance money if you are seriously ill, and you can get insurance money if you die without illness. It is more suitable for people with sufficient budget who want to protect their lives or leave property for their families. Returned critical illness insurance is to return a sum of money at the end of the guarantee period if there is no danger. Generally, the premium is higher, which is mainly suitable for people who want to make compulsory savings.
These three kinds of critical illness insurance are suitable for different people. Everyone should choose according to their own needs. For details, please see this article: What is the difference between consumer insurance, savings insurance and return insurance? What is the best deal?
So if you know your needs, how do you choose critical illness insurance? The choice of critical illness insurance depends on the coverage content and duration. For example, the coverage of critical illness insurance is generally above 300 thousand, and 500 thousand is the most moderate. There are other aspects, senior sister has compiled a purchase guide, which friends in need can read: how to buy critical illness insurance? If you miss this shopping guide, you will be miserable!
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