How to buy insurance in rainy and snowy weather?

First, we need to pay attention to health insurance in advance. A sudden drop in temperature can easily lead to a cold, especially if the heating is turned on indoors, which is quite different from the outdoor temperature. It's easy to catch a cold when it's hot and cold. For middle-aged and elderly people and even young people with high work pressure, it may also lead to sudden diseases such as cardiovascular and cerebrovascular diseases. Every autumn and winter, hospitals are overcrowded.

Every time you see a doctor, it will bring certain economic losses, so you should make preparations in advance, pay attention to and allocate medical insurance and critical illness insurance. Medical insurance mainly includes general medical insurance, hospitalization medical insurance, operation insurance and comprehensive medical insurance, and different medical insurances have different coverage. General medical insurance will also specify the deductible, the proportion of compensation, the upper limit of compensation, and the designated hospital in the terms, which need to be clearly understood when insuring. Be sure to read the terms carefully and check the relevant contents to avoid claims disputes in the later period and ensure that the purchased products are suitable for you.

Sudden drop in temperature can easily lead to cardiovascular diseases. Seriously, it may even lead to myocardial infarction, and the coverage of critical illness insurance includes myocardial infarction, so critical illness insurance is also one of the types of insurance that need to be configured. Unlike reimbursement medical insurance, critical illness insurance is paid immediately after diagnosis. When the insured suffers from a serious illness as agreed in the contract, the insurance company will pay compensation according to the contract, regardless of the actual medical expenses paid by the patient. According to the current treatment level, the nursing expenses and lost time expenses needed in the future, it is suggested that the critical illness insurance should be rated above 300 thousand.

The road is slippery on snowy days, and accident insurance is a very important insurance for us to escort accident insurance. Especially in rainy and snowy weather, in order to cope with the possible accidents caused by traveling in snowy days, we and our families are indispensable for accident protection. When buying accident insurance, the protection of accidental injury medical care can not be ignored. Slipping on the road can easily lead to falls and fractures. At this time, accidental injury medical insurance can come in handy.

In addition, many people will experience ice events similar to skiing in the snow and ice season, which is a high-risk sport. Ordinary accident insurance does not protect high-risk sports. If necessary, you should buy special accident insurance for this sport.

In addition, car owners need to be cautious about rain and snow, and the risk of accidents will increase. Car owners should also focus on the products of commercial auto insurance and pay attention to whether they are insured with full car damage insurance. In order to avoid road traffic accidents caused by rain and snow, your car will suffer losses. In addition to keeping warm and preventing accidents, we should also prepare in advance in cooling weather.