Pay attention to these aspects when purchasing lifelong critical illness insurance: 1, extra compensation for critical illness, value-added service and death responsibility.
1, extra compensation for serious illness
The general critical illness insurance in the market has light, medium and severe illness protection, so we don't have to be too entangled in the basic protection. What reflects the difference of critical illness insurance may be the proportion of extra compensation for critical illness insurance. Excellent critical illness insurance will pay an extra premium of up to 80% for the first serious illness of the insured before the age of 60. Best of all, there is extra compensation after 60.
Some small partners may not find which products have a higher proportion of additional compensation for serious illness. Here, Senior Sister also summed up the critical illness insurance with a high proportion of extra payment. If you are interested, you can find out: ten popular critical illness insurances worth buying.
2. Including value-added services
You know, not all critical illness insurance has value-added services. This kind of value-added service is generally called "green link service", which can provide the overall arrangement of hospitalization and surgery in 3A hospitals when we are unfortunately ill. If you are unfortunately sick, it is really a race against time. Therefore, it is necessary to choose critical illness insurance with green link service.
Here we also choose a lifelong critical illness insurance, and the value-added service is better. If you are interested, you can take a look at the evaluation article of this product: Versailles plus critical illness insurance has a rich return, so you must look at the in-depth evaluation before buying!
3, including death liability
When we buy life-long critical illness insurance, we'd better choose the one responsible for death. In case we don't meet the claim standard of critical illness insurance, there is also a family death insurance fund to help them through this sad time.
If you still have some doubts about whether to choose the death liability of lifelong critical illness insurance, you can read this article: Do you want to choose the death refund amount for lifelong critical illness insurance?
The above is all my answers to this question, I hope it will help you!
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!