When buying health insurance, you need to pay attention to whether the insurance conditions of the products are relaxed, whether the coverage content is comprehensive and whether a number of value-added services are provided. The classification of health insurance mainly focuses on critical illness insurance and medical insurance, so senior sister will tell you what the two types of insurance need to pay attention to respectively.

Before that, friends who want to buy insurance don't know how to buy it. Please refer to this article: Which insurance is better, how to buy it cost-effectively, and teach you how to avoid these insurance pits

1. Analysis of precautions for critical illness insurance

In terms of insurance conditions, we should pay attention to whether the age range of critical illness insurance is wide. For example, the upper limit of insurance age for many critical illness insurance is 55 years old, and some products will be widened to 65 years old. For us, it is natural that the wider the age range of insurance, the better, but for people over 55 years old, it is not cost-effective to buy critical illness insurance, because there will be a phenomenon of upside-down premium (that is, premium >; Insurance amount).

In addition, some critical illness insurances now provide practical Green Link services, such as online expert consultation, hospitalization/surgery arrangement, overseas multidisciplinary consultation, Boao special medicine service, etc. These services can help us solve the problems of "difficult to see a doctor" and "expensive to buy medicine" to a certain extent, and better improve our medical experience.

So which critical illness insurance companies in the market provide such a rich service? After the evaluation, the senior sister found this one: Versailles plus critical illness insurance has returned heavily, and in-depth evaluation must be seen before buying!

2. Analysis of precautions for medical insurance

Medical insurance is different from critical illness insurance, which belongs to reimbursement insurance, so the reimbursement scope and proportion of corresponding products are one point we should pay attention to. Good medical insurance products will not be limited to 1% social security reimbursement, so you can refer to this data for screening.

in addition, taking the millions of medical insurance as an example, the coverage period of most millions of medical insurance in the market is mainly one year. After the coverage period expires, we have to go through the insurance process again if we want to buy the same product. If we had an accident, changed our health or even stopped selling our products during the last guarantee period, we would probably be refused insurance by the insurance company.

on the contrary, if the product provides a guaranteed renewal, then we don't have to worry about the above problems. As long as we apply for renewal before the expiration of the guarantee, the insurance company will agree to our renewal according to the terms and conditions.

for more questions about the renewal of medical insurance, you can click this article to continue to understand: how to renew medical insurance and what should you pay attention to? An analysis!

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