Hospitalization insurance is mostly additional insurance, the premium is not high, and the difference is not big, so I won't say much. The key here is the choice of critical illness insurance. There are consumer critical illness insurance with regular guarantee, due return and life-long guarantee, as well as dividend-paying and non-dividend-paying, and the rates are quite different.

There are several types of general critical illness insurance:

Combined with investment, universal insurance is typical and risky, which is not suitable for the elderly;

Combined with dividend-paying life insurance, it is equivalent to dividend-paying lifelong critical illness insurance or periodic dividend-paying critical illness insurance, which is widespread in most insurance companies, with relatively low premium rate and stable insurance income;

There is also the critical illness insurance that is simply guaranteed on a regular basis, mostly for pure consumption, which is relatively rare in the market. At least the insurance agent does not take the initiative to push, and the rate is very low. The disadvantage is that it cannot provide lifelong protection.

I can't name the insurance. After figuring out these differences, I think you should know how to buy them. There should be no problem.