1. Buying critical illness insurance depends on its coverage first. It is best to estimate the risk of illness according to your own situation, and then decide what kind of insurance is most suitable. The second depends on the guarantee period. With the growth of age, the incidence of major diseases will also increase, and the premium in youth is cheaper than that in old age, so don't choose short-term insurance for the sake of cheapness.
2. Regarding the proportion of premium expenditure for critical illness insurance, an important principle is that it will not affect the current living standard. It is suggested to be 7 ~ 10% of the annual household income. If the economy is tight, the proportion can be appropriately reduced. For ordinary families, the treatment cost of common major diseases is usually considered in combination with the modern medical system.
3. Economic affordability: At present, a standard critical illness insurance on the market is more expensive. If you choose term insurance (the guarantee time can be 10 year, 20 years, etc. ) or additional insurance, which is relatively cheap. In addition, consumers can also choose some special risks. For a customer with stable income, the longer the insurance premium payment period, the better.
4. It is suggested to choose the last item, which can spread the risk to the greatest extent.
5. When insuring critical illness insurance, the insured should not only comprehensively consider their own security needs and economic affordability, but also carefully distinguish the types and exclusions of diseases insured by them, truthfully fill in matters that need to be informed, such as their physical condition and past medical history, to protect their own rights and interests. Buy health insurance for my mother who loves square dancing. Huize has synthesized a variety of female health insurance products suitable for your mother online. Welcome to comprehensive comparison and selection. Taikang e shun women's disease insurance protection: * breast cancer insurance, women's specific cancer insurance protection, etc. * Special protection for female cancer in situ * The insurance coverage for accidental facial plastic surgery is as low as 65,438+000 yuan. Youlian regular major illness protection: * the highest serious illness cancer protection of 300,000 yuan * immediate compensation of 300,000 yuan after death * total disability exemption, and the protection is more secure. Minimum monthly fee: 20 yuan.