Jiālǐ méi kuàng jiù bié luǒ bēn, zhòngjíxiǎn háishì yào pèi yí fèn.
If your family isn't loaded, don't go uninsured - get yourself a critical illness policy.
Tips
usage
重疾险 is shorthand for 重大疾病保险. It pays a lump sum on diagnosis of listed diseases (cancer, stroke, heart attack, etc.), unlike 医疗险 which reimburses actual medical bills.
culture
One of the 'four essential policies' (四大险种) Chinese personal-finance bloggers push, alongside 医疗险, 意外险, and 寿险.
