When I first bought insurance,I do not endorse critical illness insurance, becauseI think it's too expensive and not a good deal
But my agent suggested buying a critical illness, so I decided to insure my daughter-in-law of a critical illness.
Later, when I was working as an insurance broker, the price of critical illness had already increased once.
I thought it was more expensive at this time, but I thought my daughter-in-law's was a good deal. Again, I still don't recognize critical illness.
However, after returning home for the Chinese New Year this time, I began to slowly recognize critical illness insurance.
If you think it's expensive, you don't think it's cost-effective, especially when it comes to medical insurance.
The mid-end medical insurance I bought, 23 years of payment of 1455 yuan, 8 million insurance amount, 150,000 deductible (can be deducted with social security).
A daily allowance of 500 yuan will be given for hospitalization in the general department, and the hospitalization of the special needs department and the international department will be reimbursed normally.
And I buy critical illness insurance, 500,000 sum insured, 30 years to pay, lifelong, cheaper five or six thousand, more expensive more than 10,000.
On one side, there are five or six thousand, 500,000 insurance dollars a yearOn one side, there are more than 1,000 yuan a year and 8 million insurance amounts
The probability of loss in mid-range medical insurance is much higher than that of major illness insurance.
Mine though is 150,000 deductible, butDeductibles can be deducted with social security reimbursement
For example, 30,000 yuan for medical expenses, even if social security reimburses 90%. The remaining 3000 can also be directly reimbursed as long as it is within the responsibility.
If you live in a hospital and have an operation, you can basically return to your capital.
However, critical illness insurance can only be paid if you suffer from a specified illness in the contract.
Moreover, those diseases on the critical illness contract feel that this disease may not be able to be obtained, and even if you have this disease, the person is almost gone.
There are too many restrictions on critical illness, and there are only dozens to hundreds of diseases in the contract.
Medical insurance is much better than major illnesses, and it can be paid after hospitalization for common pneumonia reaches the deductible, and medical insurance can also be reimbursed for cancer.
Moreover, it involves critical illness insurance with multiple claims, regardless of whether it is grouped or not, and whether there are three sameSubsequent illnesses that have been previously claimed will not be paid by default
For example, cancer, whether lung cancer, stomach cancer, or liver cancer, is a disease in critical illness insurance.
If you have made a claim for lung cancer for the first time and subsequently have liver cancer, you will not be paid by default. Unless there is a second claim for cancer.
As for medical insurance, as long as you keep paying and the product is not off the shelves, if you keep renewing the policy, no matter how many times you get cancer, you will be paid as usual.
Another thing is that I'm too confident and I don't think I'm likely to get seriously ill.
And, I thinkEven if you have a serious illness, it is enough to have medical insurance
Doesn't medical insurance reimburse all expenses?
I don't think it's necessary to have critical illness insurance that protects your income.
If I have a serious illness and it is gone, then I will not buy life insurance with high leverage for major illnesses?
If I get seriously ill and healed, I can go to work normally.
Our family's expenses are small, and we can afford it purely by saving.
The opportunity to figure it out this time came from the fact that I went home for the Chinese New Year and met two relatives.
In my impression,Both relatives are immortal, and both of them are in their 80s
The last time I visited them, it wasMay 23When.
Both of them are in good spirits, and their hair is black and white, about the same as a 50-year-old.
When I visited them this time, both old men looked like they were suddenly dozens of years old, and their hair was all white.
asked,It was because he fell down the stairs and broke a bone, and he hasn't recovered since
It is said that when you go to the hospital, you can experience the warmth and coldness of the world.
But my empathy ability is really weak, and I have been there a few times, but I always don't have too deep a deep experience.
Probably because,I'm still young, I haven't experienced so many things, and I can't be replaced by others and myself a lot of times
But after visiting these two old people, I thought about something.
Because these two old men are too similar to me.
Both of these old men have always been in good health, and they are still in good health in their eighties.
And although I have a lot of abnormalities in my body, I recover quickly and have a lot of energy (which is also recognized by my colleagues), so I don't take these abnormalities too seriously.
These two old men were out of balance (wrestling) because of a follow-up recuperation.
And what about me, will I be like them one day?
When I was thirty or forty years old, I suddenly fell seriously ill and pressed me to the ground and rubbed me?
And from the two old men, I also felt some emotions, and I substituted myself into it.
Although I am very open to death now, I don't think death is terrible. If you have a serious illness, you can't be cured, so lie in bed and wait slowly.
But if one day, I get seriously ill.
Spending all the money in the family can get a glimmer of life, and it is possible to lose both people and money.
If it doesn't cost money, it's a long wait to die.
For a small amount of money, that's at most a little delay in death.
In this case, there's a good chance I'll get fromThe breadwinner of the familybecomesThe financial burden on the family
Because I may need to be accompanied by someone and need to have additional medical expenses, I can live like a normal person.
It's okay when I'm healthy, but I can accept it if I get seriously ill and go early, butNot up or down is the most abrasive
Especially the little bit of approaching and passing of time, coupled with the uncertainty of the final result.
Just like Guo Degang said,Blunt knife kills people the most painful
I thought I would be able to accept death.
But in the case of the new crown, I was scared at that time, and I was also afraid of death. When it was time to let go, I was also against it.
If I don't have the courage to face it, then how dare I think I can accept it after the severe illness comes?
If you want to have better medical outcomes, you need to have more money。If you are really sick, you also have the confidence, and the probability of ** is also higher.
I now have mid-range medical insurance, and most of the expenses are basically reimbursed, is that enough?
That's what I thought at first, but this time I thought about it carefully and found that it was ideal.
First of all, what if the medical insurance I bought is taken off the shelves.
Because even a guaranteed renewal of medical insurance is only guaranteed to be renewed for 20 years.
So my physical condition at that time, will there be more exclusions or even refusal to buy medical insurance after it is removed from the shelves?
In addition, medical insurance premiums are increasing year by year with age and medical technology innovation.
I can accept a premium of 5,000 a year for one person at most, but who can be sure that the price of mid-range medical insurance will not increase to 5,000 a year or even more in the years when I need it most?
Also, medical insurance doesn't cover everything. Even if you buy mid-range medical insurance, there will still be problems.
Because some surgeries have to go to Singapore or North America to have medical conditions.
For example, a colleague of our Minya unfortunately suffered from breast cancer, and the doctor in China diagnosed that he needed to cut the breast and go to Singapore to save the breast. (You can search on WeChat.)Breast-preserving Minya Singaporeto see the relevant information).
Whether you go to North America or Singapore, the mid-range can't apply for it, so you can only take high-end medical insurance.
High-end medical insurance is thousands to tens of thousands of dollars a year, which is basically not supported by my current financial resources.
In fact, in the end, it is relatively more cost-effective to have a critical illness.
To take the simplest example, if you don't buy high-end medical insurance, you buy 1 million critical illness insurance.
If you are unfortunate enough to suffer from breast cancer, is 1 million enough to go to Singapore for breast-conserving surgery? Almost? Maybe a little more?
How much does it cost to have 1 million critical illnesses? Take Kunlun Health Youth Multiple Edition as an example, if you are a woman my age, it will take about 13,000 a year.
Kunlun Healthy Youth Multi Guarantee Example.
If you buy high-end medical insurance, you have to pay about the same amount of money every year, even if you pay for 30 years, you can't guarantee it for life.
However, if you pay for a critical illness for 30 years, you can cover it for life, and you can also pay for mild to moderate illness.
There is no need to worry about renewal, as long as you buy a lifelong critical illness, you will always be covered.
Moreover, critical illness insurance will be more lenient than medical insurance.
In some cases, medical insurance is not the case, and the purchase of critical illness insurance may be the standard or can be renegotiated as the standard body after a few years.
Moreover, some imported drugs or expensive drugs that are not marketed in China cannot be reimbursed by medical insurance.
If the critical illness insurance is paid, then you can actually use the money paid by the critical illness insurance to buy medicine.
Let's think about it, how many serious illnesses can people have in this life?
Even if I buy mid-range medical insurance, can I be reimbursed as expected for every major illness?
It's like the choice faced by Minya's colleague above:Milk cutting or breast conservation
If you want to choose one that has little impact on your body, but has little impact on your body, you can only spend more money.
I bought mid-range medical insurance, but I also have the possibility of encountering:Either domestically ** but excised, or abroad ** but cost more money.
So, who pays for it?
If you only have medical insurance, it can only depend on whether your family is enough, or you can directly spend a lot of money to buy high-end medical insurance.
However, if you also buy critical illness insurance, can you take the claim money and go abroad to receive a better **?
In fact, critical illness insurance may not be able to perfectly realize our expected ideasBut with it, at least I have one more possibility
Let's take me as an example, Xiaohonghua has an insurance amount of 500,000 yuan, guaranteed for life, paid for 30 years, and the annual premium is 5,250 yuan.
Example of a small safflower fee.
Plus,Nowadays, many products come with an insured waiver, and in the event of a claim, the subsequent premiums will not be paid
Squeezing out more than 5000 a year, is it too much?
The parking spaces in Hangzhou's West Lake District are also three or four hundred a month, and the number of parking spaces in Hangzhou's West Lake District is more than five thousand a year.
But taking out more than 5000 is equivalent to leaving a way for yourself in the future.
Before, I didn't think it was much. But now, I think it's still necessary.
5000 a year is not much, if you are really unfortunate enough to suffer from cancer or cardiovascular and cerebrovascular problemsWhether you can take out 500,000 in one go is a question
After all, now even cerebral thrombosis is starting to get younger. If you are not afraid of cutting through the mess with a quick knife, you are afraid of killing people with a blunt knife.
Cerebral thrombosis is younger.
If you are in or around Hangzhou, you can also sit down together for a cup of coffee and chat