保险小知识💁早知道(6)

问：我买了百万医疗保险

可以不买长期的重疾险了，不然 … 这两者重复了 …是吗？

答：有区别哒

1.最主要的区别是：百万医疗保险是短期保险 … 保障随时可能中断，而重疾险是长期保险提供终身的保障

2.百万医疗保险是遇到重疾先交纳医疗费用后采取报销式理赔 … 是报销型，而重疾险是确诊即理赔 … 是给付型

3.期交重疾险费率每年一致，短期的百万医疗保险每年保费会发生变动

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