It is necessary to buy critical illness insurance, because social security has strict restrictions on the scope of reimbursement, many items and drugs are not reimbursed, and patients often need to pay at their own expense. However, due to a serious illness, countless expensive imported drugs are involved in the treatment, and social security cannot be reimbursed. In addition, the later nursing expenses and nutrition expenses also need to be paid at their own expense, so it is necessary to purchase critical illness insurance.

1. Pay after confirmation: critical illness insurance is a common health insurance. Generally, it is different from social security. Once this product is diagnosed, it will be compensated, which means that consumers will suffer from serious illness after buying this product. After being diagnosed by the hospital, they will prepare relevant materials and send them to the insurance company, so that they can get insurance compensation, so that patients can be treated with peace of mind and their families will not bear the economic burden.

Second, earmarking: Serious illness insurance is comprehensive and targeted. Because this kind of product is special, it mainly provides insurance compensation for serious illness. Therefore, if you are worried that your family will take economic risks after suffering from a serious illness, you can arrange such products in advance to make health care more accurate.

Third, anti-risk: the main function of critical illness insurance is anti-risk. Because of the high probability of serious illness and great harm, advanced medical technology can make serious illness no longer incurable, but the expensive treatment cost will make some families give up treatment, and this problem will not occur if the critical illness insurance is laid out in advance.

First, when purchasing medical insurance for critical illness, in order to protect their own insurance rights and interests, the insured needs to pay attention to the following matters:

1. Adhere to the most honest principle. Before taking out the insurance, if you want the insurance company to truthfully explain their age and current health status, you can't hide the facts, and you can't hide the facts.

2. Pay attention to carefully read the terms of medical insurance for critical illness. If you don't understand the terms or some technical terms, consult the relevant insurance personnel immediately to avoid unnecessary losses to yourself;

3. After insurance, you should keep the insurance policy, receipts and related documents to avoid the loss of bills and unnecessary disputes in the future.

Second, what is critical illness medical insurance?

Medical insurance for critical illness is very important, but few people know it. There are five forms of current medical insurance in China, namely: free medical care; Basic medical insurance for urban workers; Basic medical insurance for urban residents; New rural cooperative medical system; Medical insurance for critical illness; Serious illness insurance is a new institutional arrangement to compensate the high medical expenses incurred by seriously ill patients after reimbursement by basic medical insurance. In principle, everyone can participate in serious illness medical insurance, and the funds needed for serious illness insurance are drawn from the urban residents' medical insurance fund and the new rural cooperative medical insurance fund. If the whole medical security system is regarded as a pyramid, the basic medical insurance is at the bottom, other supplementary medical insurance is in the middle, and the serious illness medical insurance is at the top. The characteristics of the new rural cooperative medical system, medical insurance for urban residents and medical insurance for urban workers are "wide coverage and low level". It is excellent to solve minor ailments and pains, but there is no way to deal with serious illness. The state is worried that ordinary people will "become poor and return to poverty due to illness", so in recent years, it has vigorously promoted "serious illness medical insurance" in an attempt to cover the high cost of serious illness treatment. As long as you participate in medical insurance, you can enjoy the protection of serious illness. Because there is an upper limit for reimbursement of basic medical insurance, medical insurance will not matter if it exceeds the upper limit. With serious illness medical insurance, after basic medical insurance reimbursement, serious illness medical insurance can be reimbursed for the second time.