First, pay attention to the guarantee of time, it is best to choose lifelong guarantee, and it is best to attach whole life insurance!
Second, pay attention to comprehensive coverage, so in addition to the second category of serious diseases, we should also pay attention to the first category of serious diseases, unknown diseases, long-term care for the elderly and so on. To ensure that explosive and sudden diseases like H7N9 can also be compensated!
Third, environmental problems lead to a high incidence of cancer, and it is best to have cancer addition.
Fourth, it should be noted that the compensation for a serious illness does not occupy the insurance coverage for a serious illness, and the cancer bonus does not occupy the insurance coverage for a serious illness+a serious illness+a cancer bonus! Therefore, the actual total amount of claims is actually greater than the insured amount, which is basically 120% to 220% of the insured amount.
Only in this way can we meet the requirements of full protection.
In addition, it is recommended to buy accident insurance with high insurance coverage! And some inpatient medical services, including self-funded drug reimbursement, can better transfer risks.
It is important to choose a good company to protect your future claims. I suggest you choose AIA.
If there are any details, you can ask me directly if you need my help! thank you