Ordinary people believe only when they see it, while insurance believes before they see it. [Chow Yun-fat].
Critical illness insurance can be said to be an important type of insurance for individuals, and today we will focus on critical illness insurance. Today, with the progress of medicine and the development of science and technology, cancer is still a disease that is difficult for people to overcome, and ordinary people usually have several misunderstandings about critical illness: 1. The probability of getting a critical illness is very small. 2. If you have a serious illness, you basically can't be treated. In fact, if you pay more attention to the people around you, the probability of getting a critical illness will rise significantly after the age of 60, and there is a saying in the insurance industry that "the probability of a person suffering from a critical illness in a lifetime is more than 70%", but relying on reasonable and timely **, many critical illnesses can be **. However, it takes time and financial support. 
Next, let's talk about critical illness insurance in detail: 1. Why should I buy critical illness insurance? The scope of its coverage can be understood as compensation for medical expenses, loss of income, and loss of income for family members. The sum insured is paid in a lump sum, and the insurance company will pay this cost when the diagnosis is confirmed, and we can use it freely. Therefore, purchasing critical illness insurance can ensure that families have a large amount of cash at their disposal in the short term, regardless of medical expenses and loss of income. 2. What is covered by critical illness insurance? According to the regulations of the Insurance Association of China, 25 types of critical illnesses are uniformly defined, and all the company's products basically cover these diseases. These 25 diseases account for more than 95% of claims. Therefore, it can be said that all insurance companies have a relatively comprehensive coverage of critical illnesses. Types of critical illness insurance: 1. Consumption-based critical illness: divided into fixed-term and life-long, all of which are pure protection types with no additional income. But the premiums are on the low side. 2. Return-type critical illness: It is also divided into fixed-term and life-long, which can be understood as the return of principal without compensation after expiration, because it has the nature of savings, so the premium will be about 2 times higher than that of consumption. Okay, that's all for today, and next time we'll move on to how to buy critical illness insurance.