Select the most suitable insurance critical illness insurance beware of the most important four errors

 Recent years, major diseases, particularly the increasing incidence of cancer, suffering from an increasingly younger population, once the disease, huge medical costs, patients and their families will no doubt become the primary problems . As a result, a severe illness insurance coverage in time become more and more consensus. However, the current market a wide range of critical illness insurance products, in addition to choose the most suitable for their own insurance, consumers should also avoid the dangerous re-insurance into the

misunderstanding: critical illness insurance can protect all diseases in fact, critical illness insurance coverage to consumers only in the insurance contract within the scope of protection to get Peifu. Thus, consumers in the purchase critical illness insurance product, be sure to look at the terms of the insurance contract insurance coverage, while insurance companies should inform the medical history to avoid future unnecessary disputes when claims.

Myth: the higher the better insured amount of critical illness insurance coverage level should be based on their actual needs of consumers, financial capacity and insurance companies insurance to determine the specific provisions, but also, the amount is not higher the good. Currently, the average cost of treatment of major diseases is 10 million, so under normal circumstances, critical illness insurance the insured amount control in 100,000 to 200,000 yuan more moderate, but best not less than 10 million.

Myth: choice like pay less in insurance with critical illness insurance, consumers should choose the method of payment, the benefits are two aspects, first of all, choose the method of payment, the total premium paid by consumers, although the ratio of like pay slightly more, but pay less each time, will not bring greater economic pressure on families. Second, some insurance companies provide that critical illness insurance money paid in fees during the period, then from the date of payment, consumers may be exempted from subsequent insurance premiums, and insurance contracts remain in force.

Myth: Great weight loss will not surrender illness insurance policy cash value of the first few years, roughly equivalent to the loss of surrender premiums paid by policyholders; the second year of the policy cash value of only about three percent over the premium payment. In other words, if consumers in the insurance two years after the surrender, then the premium paid by the insurance company Liucheng more will be charged, apparently does not pay.