Generally, serious illness is regular consumer insurance, that is, if you don't go out of danger, the premium can't be recovered. But consumer insurance is very cheap. Take a 20-year-old man who has been seriously ill for 20 years as an example. The insured amount of 1.2 million is 444 yuan/year.

Medium and long-term refers to the protection ranging from 70 to 80 years old, which is generally returned. Take two products of PICC Health Insurance Company as an example. The annual guarantee to 70 years old is 3840 yuan, and the other product is 3936 yuan to 80 years old.

Some companies will design a main insurance with additional critical illness protection as an additional insurance. They will design the main insurance very cheaply, such as Ping An's body protection products: 24-year-old 1 .20,000 coverage, paying for 20 years, and the annual premium is 2892 yuan (male), plus110,000 critical illness insurance 8 1 yuan. Most consumers see that the total amount of main insurance and additional insurance is only 3702 yuan, which is cheaper than other companies. Few people can see that the cost of this 8 10 yuan is relatively high, while the savings premium of the main insurance of 2,892 yuan is relatively low. Such a structure will lead to a lower dividend level of the main insurance (especially dividend insurance).

So when buying insurance, don't worry too much about the premium. As an amateur, you never know whether the premium is expensive or cheap. My suggestion is that if you see something that is almost suitable, buy some. The important thing is that security is better than no security.