What is cancer medical insurance? Do parents need to buy it?

We all know that Million Dollar Medical Insurance is good, but many people are not able to buy it due to their health condition, or their age.

For these people, the role of cancer medical insurance comes to the fore.

But what exactly is cancer medical insurance? What is the difference between a medical insurance policy and a cancer insurance policy? I will talk to you about these questions today.

Comparison between Cancer Medical Insurance and Million Dollar Medical Insurance

Cancer medical insurance is a low-cost version of million-dollar medical insurance, let's take a look at the table below.

Differences:

1, generally speaking, the maximum age of cancer medical insurance is 80 years old, and the maximum age of million medical insurance is 65 years old.

2, compared with the million medical insurance, cancer medical insurance,Cancer insurance the scope of protection is more narrow, only insure cancer and in situ cancer.

3. Millionaire medical insurance is guaranteed to be renewed for a maximum of 20 years, while cancer medical insurance is guaranteed to be renewed for a maximum of lifetime.

4. Millionaire medical insurance has strict health notification, while cancer medical insurance has loose health notification.

The same point:

1, both are one-year medical insurance, pay one year to insure one year.

2. Both are reimbursement insurance, covering medical expenses.

That is to say, those who have bought million medical insurance do not need to buy cancer medical insurance, so who is cancer medical insurance suitable for?

Applicable people of cancer medical insurance

1、Friends with poor health status

Those who have chronic diseases such as coronary heart disease, tuberculosis, diabetes, etc., and have no way to buy million-dollar medical insurance can buy cancer medical insurance.

2、Senior Elderly

For many senior citizens, the first thing to solve is the problem of purchasing. Cancer medical insurance can be taken out for the first time up to the age of 80, which can naturally meet the needs of many senior citizens.

How to choose cancer medical insurance?

1, product renewal conditions and stability should be good

In fact, whether it is a million medical insurance, or cancer medical insurance, the biggest internal injury is still in the renewal conditions.Term Life Insurance After all, cancer is a disease that is very easy to metastasize and recur.

Therefore, the best choice for buying cancer medical insurance is the one with good renewal conditions.

2. Choose not limited to the social security catalog

There are a lot of new drugs and treatments with high clinical value and good effect on cancer at home and abroad, but these are not included in the scope of social security reimbursement.

To take a step back, even if they are included in the social security, the reimbursement rate is really not high, and most of them have to pay out-of-pocket.

Therefore, if you are shopping for cancer prevention medical care, it is best to choose which imported drugs, self-financed drugs, targeted drugs, etc. can be 100% reimbursed.

3. Under the same protection conditions, choose the one with cheaper premiums.

Cancer medical insurance is similar to million-dollar medical insurance in that both have million-dollar coverage.

Since both are reimbursement type, that is, how much will be reimbursed for how much you spend, the million insured amount is already quite sufficient, and the probability is that the higher part will not be used.

Therefore, under the same protection, you need to focus on the price, with the least amount of money to buy the same protection insurance.

If your parents are old and can't afford to buy a million-dollar medical insurance policy, you might want to consider this cancer medical insurance policy, which offers comprehensive coverage at a price that's not too expensive.