However, there are many insurances, Xiao Bai. No one can tell the difference between critical illness insurance and millions of medical insurance. He believes that these two kinds of insurance are exactly the same, and they are both used to "treat diseases". In fact, there are many similarities and differences between critical illness insurance and million medical insurance.
Today, seniors will let you know the differences and similarities between critical illness insurance and millions of medical insurance.
1. What are the similarities and differences between critical illness insurance and million medical insurance?
Similarities between critical illness insurance and million medical insurance
Critical illness insurance is the same as million medical insurance, but there is one thing. Both types of insurance are risk transfer tools, that is to say, whether it is critical illness insurance or millions of medical insurance, the economic risks brought by diseases can be transferred to consumers.
After consumers are insured with critical illness insurance and millions of medical insurance, they have the means to transfer economic risks.
If you don't know what kind of critical illness insurance to choose, you can refer to this list:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
& gt& gt The difference between critical illness insurance and million medical insurance.
There are actually two differences between critical illness insurance and millions of medical insurance, that is, different types of insurance and different guarantee periods.
1, with different insurance attributes.
The essence of critical illness insurance is payment insurance. After the insured suffers from the diseases agreed in the contract and meets the compensation requirements, the critical illness insurance will pay the corresponding insurance money to the insured according to the agreement.
There is no limit to the use of insurance money provided by critical illness insurance, and consumers can use it to treat diseases, restore their health or make up for income losses.
However, millions of medical insurance can be regarded as reimbursement insurance, and millions of medical insurance will be reimbursed according to the agreed proportion, which is similar in function to medical insurance.
It can be understood that critical illness insurance is basically a direct loss, but millions of medical insurance is to reimburse medical expenses, and the nature of insurance is still different.
2. The warranty period is different
Critical illness insurance has regular protection and life-long protection. Among them, the fixed term includes one year's insurance (rarely), decades' insurance or insurance until xx years old, and the choice of guarantee period is more humanized.
However, most of the million-dollar medical insurance only has a one-year guarantee period, which is short and has a single option. If the insurance needs to be renewed at the expiration of the insurance period, we should remind everyone that there are millions of medical insurance that support the renewal of insurance, as long as the insured can unconditionally renew the insurance within the guarantee renewal period agreed in the contract.
The similarities and differences between critical illness insurance and millions of medical insurance are here. I believe that after reading it, families will be more familiar with critical illness insurance and millions of medical insurance.
If you want to buy millions of medical insurance, you can look at this list:
The latest 10 million medical insurance rankings are freshly released! 》
Second, what should I pay attention to when buying critical illness insurance and millions of medical insurance?
Let's talk about the matters needing attention when starting critical illness insurance and millions of medical insurance in the future.
1, security content
When starting with critical illness insurance and millions of medical insurance, the first thing to pay attention to is whether the content is sufficient.
For critical illness insurance, basic protection such as critical illness needs to be provided in place, and it is best to support death protection, self-insurance exemption, and additional practical optional protection such as secondary compensation for high-risk critical illness and additional compensation for critical illness.
About the million medical insurance, such as emergency services before and after hospitalization, special outpatient service and outpatient surgery are the most basic guarantee contents of the million medical insurance, and they are indispensable. For example, some practical value-added services, such as proton heavy ion medical care, should also be covered.
2. Health notification
Everyone should pay attention to health notification when insuring critical illness insurance and millions of medical insurance. At present, when insurance companies apply for this kind of health insurance, they usually set up health notification.
In fact, when making health advice, we must pay attention to answering the questions of insurance companies truthfully and avoid concealing health advice, so as to improve the success rate of insuring critical illness insurance and millions of medical insurance, otherwise we may encounter claims disputes later.
You can follow the eight-character motto of "Ask and answer, don't ask and answer". As for the medical history you asked, don't ask the medical history (even if there is one) and don't answer it.
Finally, the senior gives you a guide to avoid the serious illness insurance pit, hoping to help you:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
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