购买重大疾病险时需注意哪些问题？

中文版

购买重大疾病险是保障个人健康的一种方式，但在购买过程中，我们需要注意一些问题以确保我们得到充分的保障。

首先，要明确保险覆盖的疾病范围。不同的保险公司和不同的保险产品，覆盖的疾病种类和程度可能有所不同。因此，在购买前，我们需要仔细阅读保险合同，了解保险覆盖的具体疾病种类和程度，确保所选保险产品能够满足我们的需求。

其次，要关注保险金额和保险期限。保险金额应根据个人的经济状况和风险承受能力来确定，既要考虑覆盖医疗费用，也要考虑生活费用等。同时，保险期限也要根据个人需求和年龄等因素来选择，以确保在需要的时候能够得到足够的保障。

此外，我们还需要注意保险公司的信誉和服务质量。选择有良好信誉和服务质量的保险公司，可以在需要理赔时得到更好的服务和支持。

最后，购买重大疾病险时还需要注意个人健康状况。在购买前，我们需要对自己的健康状况有一个清晰的认识，如果有慢性疾病或家族遗传疾病等情况，需要特别注意选择适合的保险产品，并如实告知保险公司。

英文版

What to Consider When Buying Major Illness Insurance?

Purchasing major illness insurance is a way to safeguard personal health, but there are several key considerations to ensure adequate coverage.

Firstly, it's crucial to understand the scope of covered illnesses. Different insurance companies and policies may vary in the types and severity of illnesses they cover. Therefore, it's essential to carefully read the insurance contract before purchasing, to ensure the chosen policy meets our needs.

Secondly, we should pay attention to the insurance amount and duration. The insurance amount should be determined based on personal financial status and risk tolerance, considering both medical expenses and living expenses. Meanwhile, the insurance duration should be chosen based on personal needs and age factors to ensure sufficient coverage when needed.

Moreover, we need to consider the reputation and service quality of the insurance company. Choosing a company with good credibility and service quality can provide better support and services during claims.

Finally, it's important to consider personal health status when purchasing major illness insurance. Before purchasing, we should have a clear understanding of our health condition. If there are chronic illnesses or family genetic diseases, it's crucial to choose a suitable insurance product and inform the insurance company honestly.