Under normal circumstances, it is better to give priority to the purchase of critical illness insurance, medical insurance, term life insurance and accident insurance.
Before we begin, you can know the difference between the above four kinds of insurance: critical illness insurance, medical insurance, accident insurance and life insurance. Will there be conflicts when making claims?
Critical illness insurance is a kind of payment insurance, and claims are mainly used for rehabilitation expenses and economic loss compensation, so that the whole family will not be embarrassed because of illness.
In the case of limited budget, you can purchase regular critical illness insurance first, and then supplement the purchase of appropriate lifelong critical illness insurance when the follow-up funds are sufficient.
So, how to buy critical illness insurance? This article tells you: How to buy critical illness insurance? If you miss this shopping guide, you will be miserable!
Medical insurance is reimbursement insurance, which can reimburse the medical expenses incurred by hospitalization in proportion and reduce the economic burden. At the same time, medical insurance is also an important supplement to medical insurance, which can effectively make up for the shortage of medical insurance reimbursement ratio and drug restrictions.
In addition, millions of medical insurance has the characteristics of high minimum premium. When I was young, the premium was relatively cheap. Often, a few hundred dollars can buy millions of insurance coverage, which is very cost-effective and suitable for people with limited economic budgets.
Life insurance is an insurance for family members. If you fall down unfortunately and meet the requirements, you will give your family a sum of money to ensure your future life. The term life insurance premium is relatively low, which is more suitable for most ordinary working families.
For more information about term life insurance, you can click on the link to continue to learn:
What is term life insurance? Who is suitable for buying? Everything you want to know is here!
As for accident insurance, it generally covers accidental death, accidental medical treatment and accidental disability. If the accident leads to death or disability, you can pay a sum of money if you meet the conditions.
In addition, the insurance threshold of accident insurance is low and the premium is cheap. The annual premium ranges from tens to hundreds, which will not cause serious economic burden.
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