Differentiation of versions of serious illness insurance and how to select suitable serious illness insurance

The hardest thing to buy insurance is Serious illness insurance , I don't know which one to buy after selecting for a long time? Cheap people are afraid of being trapped, expensive people are afraid of being trapped! In fact, in many cases, the product price is directly related to the guarantee content relationship Of. today Brother Yunyang Taoge Let's talk to everyone about the difference between different configurations of serious illness insurance and how to buy it?

1、 Distinguish six versions of serious disease insurance

Serious illness insurance itself is very simple: serious illness insurance. We all hope that the more serious diseases we have, the better. Gradually, more and more guarantees were added to the serious illness insurance, and the products became more and more complex. Up to now, there are six different forms of serious disease insurance:

Low configuration version: pure serious disease

Basic class: serious disease+mild disease

Standard edition: serious disease+mild disease+moderate disease

Advanced version: serious disease+mild disease+moderate disease+cancer for many times

Luxury edition: serious illness+mild illness+moderate illness+death+multiple cancers

Top configuration: multiple serious diseases+mild diseases+moderate diseases+death+multiple cancers

But in fact, on the basis of the secondary compensation for cancer, there is a "secondary compensation for specific diseases". However, only some products have such protection, so we will not add new categories for the time being.

2、 What kind of serious illness insurance is suitable for you

Yunyang Taoge suggests:

Low budget friends: the standard version, the serious disease+mild disease+moderate disease is enough.

Most recommended version: advanced version, serious disease+moderate disease+mild disease+cancer secondary compensation.

Conditional friends: the top version, with multiple serious diseases+moderate diseases+mild diseases+deaths+cancer, 360 ° perfect protection.

If you want to add insurance: basic version, pure serious disease.

How do men buy: advanced version, luxury version, top configuration version, how many money Just buy the version.

How do women buy: advanced version or top version. Because the high incidence of thyroid cancer and breast cancer in women are cancers with high cure rate, the probability of secondary disease will be higher.

At last, Yunyang Taoge wanted to say that there is no real insurance industry expert Only those who are proficient in a certain field Old driver 。 Insurance is more sold by experience, and specialty is only an auxiliary tool, so finding an old insurance driver is more reliable than finding a so-called brick dealer. A lot of experience is gained through practice or lessons, no one can teach and no place to learn! The older the insurance drivers are, the more timid and cautious they are. Because the more you experience, the easier it is to know the complexity of insurance. Insurance is not recommended when a product seems cheap. It's also common accident insurance It's also very complicated, let alone popular today Million medical insurance And serious illness insurance. Most people Medical insurance Anti cancer insurance and accident insurance should be sold as cabbage. Yunyang Taoge suggested being cautious in everything. Welcome to add Brother Yunyang WeChat 381249336 (QQ with the same number) learn and exchange together Insurance knowledge And share Insurance financing matching skills.