Do you have such a question: If you have already purchased critical illness insurance, do you still need to purchase cancer insurance?
- The difference between critical illness insurance and cancer insurance
Critical illness insurance and cancer insurance are two different types of insurance products, and their coverage and purchase conditions are different. Critical illness insurance mainly provides protection for major diseases, such as cancer, heart disease, stroke, etc. Cancer insurance is insurance specifically for cancer. The biggest difference between the two is the difference in coverage.
When choosing to buy critical illness insurance or cancer insurance, we need to decide based on our actual situation and needs. If you are worried about the risk of major diseases, then critical illness insurance may be a better choice. Because critical illness insurance not only includes cancer, but also includes many other major diseases, such as heart disease, stroke, etc. If you are only worried about the risk of cancer, then cancer insurance may be more suitable for you.
The purchase conditions of critical illness insurance and cancer insurance are also different. Critical illness insurance usually requires the insured to meet certain health conditions, while cancer insurance is relatively loose. In addition, the premiums for critical illness insurance are usually higher, while the premiums for cancer insurance are relatively lower.
In general, critical illness insurance and cancer prevention insurance each have their own advantages and disadvantages. Critical illness insurance has a wider coverage, but the purchase conditions are more stringent and the premiums are higher. Although cancer prevention insurance has smaller coverage, the purchase conditions are more relaxed and the premiums are lower. Therefore, when choosing to buy critical illness insurance or cancer prevention insurance, we need to decide based on our current situation and needs.
- Coverage of critical illness insurance and cancer prevention insurance
The coverage of critical illness insurance and cancer prevention insurance has its own characteristics. First of all, the coverage of critical illness insurance is relatively wide, including some common major diseases such as cancer, heart disease, stroke, etc. These diseases usually have a significant impact on the patient's life, so critical illness insurance can provide patients with certain financial support. Cancer prevention insurance is an insurance product that specifically provides protection for cancer. Its coverage is relatively narrow, but it is highly targeted. If the insured unfortunately suffers from cancer, he can get corresponding compensation.
In general, critical illness insurance and cancer prevention insurance each have their own advantages. Which insurance product to choose depends on your personal needs and insurance needs. If you want a wider coverage, you can choose critical illness insurance; if you only want to provide protection for cancer, you can choose cancer prevention insurance.
- 3. Purchase conditions and advantages and disadvantages
The conditions for purchasing critical illness insurance and cancer prevention insurance are mainly the following: First, when purchasing insurance, you need to fill in detailed personal information, including age, gender, occupation, etc., so that the insurance company can assess the risk. Second, when purchasing insurance, you need to provide health certificates, such as physical examination reports, to prove that your health status meets the insurance requirements. Finally, when purchasing insurance, you need to choose the appropriate insurance period and insurance amount to ensure that your protection needs are met.
The advantages and disadvantages of critical illness insurance and cancer prevention insurance are different. The advantage of critical illness insurance is that the coverage is wide, covering a variety of major diseases, such as cancer, heart disease, etc. In addition, the compensation amount of critical illness insurance is high, which can provide sufficient financial support when you are sick. However, the disadvantages of critical illness insurance are high premiums and purchase age restrictions, and young people may feel a heavy burden when purchasing.
The advantage of cancer prevention insurance is that the premium is relatively low and there are fewer purchase age restrictions, which is suitable for people of all ages to purchase. In addition, the coverage of cancer prevention insurance is mainly focused on cancer, which is highly targeted. However, the disadvantage of cancer prevention insurance is that the coverage is narrow, only covering cancer, and cannot cover other major diseases.
In general, the purchase of critical illness insurance and cancer prevention insurance needs to be selected according to one's actual situation and needs. If the economic conditions allow and you want a more comprehensive coverage, you can choose to buy critical illness insurance. If the economic conditions are limited and you want a lower premium, you can choose to buy cancer prevention insurance. When buying insurance, it is recommended to consult a professional insurance consultant to provide you with more appropriate insurance purchase advice.
- Choose the right insurance according to personal needs
When choosing an insurance product, you need to decide based on your actual needs and financial ability. If your family members are prone to cancer or other major diseases, then buying cancer prevention insurance is a good choice. Because the premium of cancer prevention insurance is relatively low, and the coverage is also relatively wide. If you already have a critical illness insurance, then you can consider buying a cancer prevention insurance to increase your coverage. But if you haven't bought any insurance yet, it is recommended that you buy a critical illness insurance first, because the coverage of critical illness insurance is wider and the premium is relatively low. In general, the purchase of insurance needs to be decided according to personal actual conditions, rather than blindly following the trend.
Conclusion
Summary: Through the above explanations, we can see that although critical illness insurance and cancer insurance are both insurance for health problems, their coverage and purchase conditions are different. Critical illness insurance mainly provides protection for major diseases, while cancer insurance mainly provides protection for cancer. When purchasing insurance, we need to choose the right insurance according to our actual needs and economic conditions. If your economic conditions allow and you want more comprehensive protection, then buying critical illness insurance and cancer insurance is a good choice. However, if your economic conditions are limited, you can buy critical illness insurance first, and then consider whether to buy cancer insurance according to your needs. In short, buying insurance needs to be selected according to your actual conditions and needs, rather than blindly following the trend. I hope the above explanations can help you better understand critical illness insurance and cancer insurance, so as to make more informed decisions.
Purchase method
- Choose consumption type or return type?
Cancer insurance has consumption type and return type. Which one is better? As long as the insurance product is suitable for the needs of users, it has its meaning of existence.
Consumer-type cancer insurance is more suitable for people with low premium budgets and who focus on protection functions. Consumer-type insurance generally has a shorter insurance period. If you are relatively young, or have a limited premium budget, and you value the protection function of insurance the most, then you might as well directly purchase a pure consumer-type cancer insurance product, which can exchange basic protection for the smallest expenditure.
Return-type cancer insurance has a savings function, and generally has a higher premium and a longer insurance period. If you are over 35 years old or even older, have good financial conditions and pay more attention to the savings function, but hope to effectively protect the possible risk of cancer, then you can choose a return-type.
- Coverage and payment method
Different insurance products provide different protection in specific terms. Since cancer can be divided into carcinoma in situ and tumors according to the severity, carcinoma in situ generally costs less, but there are special cases, and tumors generally cost more. Therefore, some cancer insurance will only cover tumors, not carcinoma in situ. In addition, some products also provide cancer hospitalization allowance insurance, cancer surgery insurance, chemotherapy insurance, liver transplantation or hematopoietic stem cell transplantation insurance, and death insurance, etc. Therefore, when choosing cancer insurance, you should pay special attention to its protection. The more comprehensive the protection, the better, and of course the corresponding premium will be more expensive.
