So many friends ask me, what kind of critical illness insurance should families with heavy responsibilities and pressure start with?
Today, my senior took the family as an example to see how to buy critical illness insurance.
Before we begin, Senior Sister shared a list of popular critical illness insurance. Interested friends can have a look first:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
First, how should the family pillars choose critical illness insurance?
1, the basic guarantee is good.
The general basic protection of critical illness insurance includes serious illness, moderate illness and mild illness, and some products can also choose malignant tumor-secondary compensation for serious illness and secondary compensation for specific cardiovascular and cerebrovascular diseases. And it is better to cover a comprehensive product.
In terms of mild symptoms, it is best to include other high-incidence mild symptoms, such as tuberculous myelitis, early chronic respiratory failure, early primary cardiomyopathy and so on.
2. The critical illness insurance should be adequate.
In addition to the basic protection of serious illness, it is best to pay extra at the age of great responsibility, which is more in place for the pillars of the family.
Similar to the first check-up for a serious illness before the age of 60, you can apply for an additional 80% of the basic insurance coverage, so that once you are unfortunately suffering from a serious illness, you can get more claims than the original insurance coverage and have more treatment budget.
May wish to buy more than 500 thousand yuan of critical illness insurance. Major diseases often take 3-5 years to recover, and it is best to make up for 3-5 years of income.
3. Green link service
We should not only consider the above three points, but also pay attention to the green services of critical illness insurance, such as whether there are expert outpatient appointments and hospitalization/surgery arrangements. These are very practical and can solve the problem of difficult medical treatment to some extent.
At present, there are few critical illness insurance products with green link service on the market, but the services also include CAR-T service, overseas multidisciplinary consultation service and overseas medical treatment arrangement service, and even less.
For more details about critical illness insurance, please read this article:
How to buy critical illness insurance? If you miss this shopping guide, you will be miserable! 》
Second, what should I pay attention to when buying critical illness insurance for the pillar?
1, health bulletin
Health notification is very important for us, because it not only affects whether we can insure, but also is closely related to the subsequent claims.
When we make health information, we must follow the principle of honesty and we must not tell lies. Answer whatever you ask in health information, and don't answer what you don't ask. If we hide something in the health notification, there is a high probability that we will have a dispute with the insurance company in the follow-up claims.
2. Payment period and guarantee period
Long payment period is preferred. Because if we extend the payment period, the economic pressure we need to bear will be much less.
It's best to choose products that can be guaranteed to be 70 years old. If the economy is well-off, it is recommended to insure the products for life, which can include the period with the heaviest family responsibilities.
3. What critical illness insurance is suitable for pillar purchase?
Senior sister screened many products on the market and found an excellent critical illness insurance, namely Versailles plus launched by Tongfang Global Life. What is its attraction?
1, strong compensation for serious illness.
When the insured is under 60 years old, Versailles plus will provide 80% extra compensation for the first serious illness, in other words, it will be 500,000 yuan, and Versailles plus will pay 900,000 yuan at most, so that the disease treatment foundation is more abundant and we can enjoy more protection.
In addition, Versailles plus can pay an additional 30% of the insurance coverage for people who are seriously ill for the first time between the ages of 60 and 65, which can well adapt to the country's delayed retirement policy.
2. Number of payments for mild * * *
Many critical illness insurances are equipped with a fixed number of payments for minor diseases, just like the number of payments for minor diseases is two, and the number of payments for minor diseases is three, while the number of payments for minor diseases in Versailles plus is not fixed, and both can be * * *, as long as they add up to no more than five, which is very flexible!
3. Rich green link services
There are many value-added services of Versailles plus critical illness insurance, such as private telephone doctor, expert outpatient appointment and accompanying consultation, hospitalization/surgery arrangement, CAR-T service, overseas multidisciplinary consultation service, overseas medical arrangement service, Boao special medical service and so on.
After reading this picture, you will know the specific content of the green link service:
Among them, overseas medical treatment arrangement service can help you solve some problems in hospital appointment, hospitalization arrangement, round-trip transportation, family accommodation and so on, and we can enjoy convenient and efficient medical treatment service.
Overseas multidisciplinary consultation service can actually be understood as a working group composed of experts from overseas departments such as radiology, surgery, internal medicine, radiotherapy, pathology and nutrition. , the patient's condition is analyzed centrally and systematically, and a scientific, reasonable and standardized treatment plan is given after integration in many aspects.
If a serious illness is unfortunately diagnosed, it will help us to reduce misdiagnosis and mistreatment, shorten the waiting time for diagnosis and treatment, and make the treatment plan more selective.
In this way, these value-added services are still quite powerful!
In a word, Versailles plus is a relatively good critical illness insurance, with rich protection and green service. Friends configuration is highly recommended. So, what other advantages does Versailles plus have? Friends who want to know more details can read this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
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