How to calculate the amount of critical illness insurance claims?
Different critical illness insurance products will have different restrictions and regulations on the amount of claims. First of all, we must confirm whether the products we buy include the scope of confirmed diseases. For example, some products only support claims for certain diseases, while others are not covered.
In addition, we need to pay attention to the "starting point" and "exemption period" in the product. The starting point refers to the lowest degree of disease or the number of diseases to be achieved, beyond which claims can be obtained. Exemption period refers to how long the insurance company needs to wait before it can start paying after the disease is diagnosed. These are all factors that need to be considered.
There are generally three methods to calculate the compensation amount in critical illness insurance: fixed compensation, percentage compensation and disease grading compensation.
1 Fixed amount payment:
Fixed compensation refers to the specific compensation amount stipulated in the insurance contract, which is not affected by the actual medical expenses. For example, the contract stipulates that cancer can compensate 654.38+10,000 yuan. If cancer is diagnosed, the insurance company will compensate according to the amount agreed in the contract.
2% compensation:
Percentage compensation is based on the percentage of medical expenses or insurance coverage, and the insurance company will compensate according to the actual medical expenses or insurance coverage.
3. Graded payment for diseases:
The compensation for disease classification is based on the severity of the disease. The usual practice is to divide diseases into different grades, and different grades correspond to different compensation amounts. For example, the contract stipulates that cancer is divided into three grades, and each grade corresponds to a different amount of compensation.
Finally, it should be noted that the insurance company's claim amount needs to refer to the specific insurance terms. Insurance companies will clearly stipulate the diagnosis and diagnosis results of major diseases in the terms, and some diseases may have clear diagnostic standards and inspection requirements. Therefore, you must carefully study the insurance clauses before making a claim.
To sum up, many factors need to be considered in the calculation of critical illness insurance claims. It is suggested that when purchasing critical illness insurance, carefully compare the coverage and terms of different products, and choose the critical illness insurance that suits you, has sufficient protection and is convenient for claims.