《人一生中需要的6张保单》 The 6 most important policies in life

《人一生中需要的6张保单》

The 6 most important policies in life

第二张保单：大病医疗险 30岁

Second policy: Critical illness insurance 30 year old

临近30岁了，我们已经开始害怕体检。领着微薄的薪资，呼吸着越来越糟糕的空气，就担心大病一来，倾家荡产。虽然我们也有一份社会医疗保险，但一年的医疗费用上限是2万元，现在患一次重感冒的费用就要上千元，如果碰上大病，钱从何来呢？大病医疗保险刚好是转移风险、获得保障的最佳方式。将平时积攒的一部分钱存入大病医疗，出险的情况下，可以获得赔付，抵掉大病开销，不出险时，最终也能收回本金。

When we reach age of 30, we start to worry about medical check up. Our earnings are not higher, breathing in a polluted air, and so worried about getting sick and end up we spend all savings on medical. We may have already had s medical card but there are limits and restrictions. The medical fee is expensive especially high for critical illnesses. So where do you get the money? And so you need a medical card to help you in this. Even if you are not ill there is some cash rewards at the end of the day.

大病医疗保险只赔付保单上所列的大病，如果得了其他病，需要住院手术，想获得赔付，就要选择一些适合自己的附加险种，如防癌险、女性保险、生育健康保险。附加险可以赔偿门诊的手术、疾病或意外造成的费用。

Critical illness insurance covers you from major illness. If there is other illnesses and hospitalization may be required, please do ensure there are appropriate riders attached to the main policy; such as lady care, cancer, pregnancy insurances. Some riders will cover the follow up medical fees, other types of illnesses, as well as any extra fees incurred due to accident.

对20岁到30岁的投保人而言，储蓄型大病险和消费型大病险的价格相差非常大，投保人可以选择储蓄型+消费型的组合重疾保障。而在35岁至45岁阶段时，消费型大病险在保费方面相对于储蓄型大病险，已经不占很大优势，可以逐渐降低消费型大病保险的比例，同时增加储蓄型大病保险的投入。

For people at age between 20-30, it is advisable to get a policy that combines savings and protection and usually it is more affordable. When people reach age of 35-45, people may then increase the insurance towards savings policy.