The probability of serious illness is not high, but once it happens, it is difficult to buy insurance afterwards. If more than a decade ago, many people would think that cancer was basically incurable, but now, many people who have cancer around them can be treated, and with the development of medical technology, the cure rate of some diseases will be higher and higher in the future.
Second, is grouping reasonable?
Different insurance companies pay different groups of critical illness insurance for many times. Some companies will classify acute myocardial infarction, stroke sequelae and coronary artery bypass grafting as one group, such as AIA, but most companies are divided into two groups, so I won't make a specific analysis here. You can see the terms.
Other companies classify malignant tumors as a single group, and malignant tumors are the first disease in all companies' critical illness insurance claims. Being alone in a group is still very valuable and will not affect the payment of other diseases.
Third, there are different types of mild diseases.
At present, critical illness insurance has exemptions for both mild and mild diseases, but the types of mild diseases in different companies are still very different. For example, protective talisman Xiao does not include three high-risk mild diseases: atypical acute myocardial infarction and coronary intervention. Minor stroke, some companies may be short of one. These details need to be paid attention to when choosing insurance products.
Fourth, the insurance rate.
In fact, the insurance rate is also very important. For the same budget, some companies can only cover 500,000, some companies can cover 800,000, and some companies can cover 654.38+00,000. No matter which company has a coverage of 500,000 yuan, it will not pay 654.38+00,000 yuan in case of risk. On the other hand, 6,543,800 yuan will not be underwritten to prevent risks.
Five, mild other matters needing attention
The types and duration of protection of mild diseases, whether mild diseases are grouped and whether they can be guaranteed for life also need attention. This article is just a reminder, not a specific analysis. Some companies guarantee 75 years old, some companies guarantee individual products until 85 years old, and some companies guarantee life.
6. Can I attach the applicant's exemption certificate?
Even if the products that can be exempted by the insured are attached, the responsibilities of different companies are quite different. Some companies have exemptions for serious illness, mild illness and death, while others do not include exemptions for mild illness. These are very detailed differences, but if consumers don't pay attention, it is difficult to find them.
Extended data:
Critical illness insurance, namely critical illness insurance, refers to a kind of commercial insurance behavior handled by insurance companies for certain major diseases, such as malignant tumor, acute myocardial infarction, stroke sequelae, etc. And when the insured suffers from the above diseases, the insurance company will pay a fixed amount of compensation for the medical expenses.
Principle of use
1. If the insurance company names the product as critical illness insurance, and the insurance period is mainly for adults (18 years old or older), the diseases covered by the product should include malignant tumor, acute myocardial infarction, sequelae of stroke, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or uremia of chronic renal failure) within the scope of this specification.
In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this specification; At the same time, the above diseases should use the names and definitions of diseases in this specification.
2. All insurance companies can add other diseases beyond the scope of this specification to the critical illness insurance products according to market demand and empirical data, and make relevant definitions by themselves.
3. In the critical illness insurance clauses and supporting publicity materials, the disease types specified in this specification shall be arranged in the order listed in 3. 1 of this specification, and placed before the disease types added by the insurance company itself; At the same time, the two should be distinguished.
4. When an insurance company sets the exclusion liability for critical illness insurance, the situation that the insurance company does not assume insurance liability for the disease, disease state or operation of the insured cannot exceed the scope specified in 3.2 of this specification.
References:
Baidu encyclopedia-critical illness insurance