Underwriters, janitors, what kind of customers need physical examination, what kind of customers need to increase fees, what kind of customer companies simply can't accept direct rejection, and what kind of information or proof customers need to provide are all for them to check.
Claim, congestion, which diseases claim the most, which accidents belong to insurance liability, whether to claim, how much to pay, whether to go to the hospital for evidence, are all up to them.
They all have a common feature, that is, they have a deep understanding of medicine and insurance, and they can't know more about which products to buy and how to buy them.
To this end, I specially visited the head of the claims department of a large insurance company and revealed what insurance they were buying.
What is the insurance I will definitely buy?
Critical illness insurance critical illness insurance critical illness insurance important things say three times! ! ! There is no need to ask the reason, as Wang Shi said, there is no reason, just buy it.
Tell me about your understanding of critical illness insurance.
In my previous career as a doctor, I have seen too many phenomena of poverty caused by illness. Many families borrow money and sell their property to treat diseases, but the money raised may be just a drop in the bucket. As a doctor, I also deeply know that in the face of illness, everyone is equal and anyone can get sick. Of course, I didn't know what insurance was at that time.
After so many years in the insurance company, I realized that both can save people, but doctors use medical skills to save people, and insurance companies use money to save families in financial difficulties. Didn't Dr. Barnard, the founder of critical illness insurance, say that doctors can only save a person's physical life, and insurance can save a family's economic life?
When is the best time to buy?
In my opinion, the sooner the better, there are three reasons:
First, the incidence of major diseases is getting younger and younger. Just received two claims, one sudden death and one myocardial infarction, one post-70s and one post-80s, all young people. Let me tell you another number. The average age of major illness claims in the insurance industry is 42 years old, not 60 or 70 years old as we thought.
Second, the sooner you buy it, the cheaper it is. The premium for a 40-year-old may be 1.5 or even twice that for a 20-year-old, but the period of coverage is shorter.
Third, the younger you are, the better your health is, and the easier it is to pass the underwriting. A 30-year-old person may buy 700,000 critical illness insurance without a medical examination, but a 45-year-old person may need 300,000 medical examinations. If you want to buy higher insurance, check this and that. Needless to say, it may not pass.
How much is enough to buy?
This problem, like buying a car, I think the higher I can buy, the better. Of course, this is a bit unrealistic, and if you really buy enough, the budget is also a problem. Realistically speaking, I think we should buy at least 500 thousand. In fact, I bought 200,000 to 300,000 at first, but something happened around me that touched me. My friend's wife had a benign brain tumor and spent two months in the ICU of Tiantan Hospital, which cost 700,000 yuan. I heard that the family has started selling houses, and I don't know when it will end. I can't even imagine what would happen if this happened to me. The money for medical treatment, mortgage, children's daily expenses at school and home, and the money for follow-up rehabilitation are simply bottomless.
We must clarify a concept here, that is, critical illness insurance is not only the money for medical treatment, but also the cost of rehabilitation care and the loss of family income.
I now have 700,000 critical illness insurance and 300,000 cancer insurance, and I plan to buy high-end medical insurance in the future. Is it expensive? Not much at all, actually. Tell you a secret, there is a big coffee in the industry who tells people the concept of critical illness insurance everywhere. His critical illness insurance coverage is 20 million, hehe. ...
Who should buy it most?
First of all, insurance is to prevent non-financial risks that seriously affect family goals and even collapse instantly. So, who had an accident, and what would have such a devastating impact on the family? Of course, it is the mainstay of the family economy, that is, the person who earns the most money at home. So, there are only two things, accidents and diseases, right? If the work is not smooth and the investment fails, as long as the people who make money are still there, it will not have a devastating impact. As the saying goes, staying in the green hills is not afraid of burning without firewood.
This leads to the correct order of buying insurance:
First, it must be the adults first, and something happened to the child. We are hurt emotionally, but it has no effect on the economy. As long as the family's economic pillar is healthy and safe, the source of family survival will not be broken, and we can continue to earn money to treat our children.
Second, the guarantee function of insurance must be the first, and this risk transfer function can only be realized through insurance. Financial management, savings and investment should be considered after you have bought enough protection. Without 1, more zeros are useless. That's the reason.
The more kinds of serious diseases, the better?
To be honest, I have never paid attention to the types of serious diseases. According to the regulations of insurance industry association, critical illness insurance must include six compulsory diseases, malignant tumor, acute myocardial infarction, stroke sequelae, major organ transplantation, coronary artery bypass grafting and end-stage renal disease. Malignant tumor alone covers almost 60% ~ 80% or even more of all critical illness claims.
Nowadays, many companies split some diseases or list cancer details for gimmicks, and it is meaningless to claim to protect hundreds of cancers. Malignant tumor itself covers all cancers. So when I buy critical illness insurance, I don't care whether it's 35 or 60. There is no need to pay more for those diseases with extremely low incidence. Some of us don't even buy critical illness insurance, but only buy special cancer insurance, or a combination of the two.
Can I pay for the bulk purchase?
Different from expense reimbursement insurance (reimbursement refers to the money that cannot exceed the actual cost), critical illness insurance is a fixed compensation insurance. To put it simply, when this person is diagnosed with an agreed disease, such as malignant tumor, the insurance company pays in one lump sum, which has nothing to do with the actual cost, but only with the amount of critical illness insurance he has purchased. Because human life and body are priceless, the insurance company should compensate you according to the insured amount, and the claims between companies do not affect each other.
For example, this person unfortunately got thyroid cancer, and actually only spent 6.5438+million, but he bought 500,000 cancer insurance in Company A and 300,000 critical illness insurance in Company B, so he always got 800,000 claims. With this money, he doesn't have to rush back to work to earn money, he can have a good rest at home, and then return to the rivers and lakes after his health is fully recovered, and his daily expenses at home are also available, which is why we have always stressed the need to buy enough critical illness insurance protection.
Finally, emphasize again: don't take chances and think that you and your family will not get seriously ill. Despite the care of medical resources, national leaders have not escaped the clutches of diseases, let alone ordinary people.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.