Critical illness insurance belongs to fixed payment insurance, which cannot reimburse the medical expenses incurred by the insured due to hospitalization. However, after the insured suffers from the diseases stipulated in the insurance contract and meets the conditions for claim settlement, he can claim a sum of insurance money. For example, if the insured is diagnosed with malignant tumor, even if he is not hospitalized, the insurance company can claim the critical illness insurance premium. For example, some diseases need treatment to meet the claim conditions, and then the critical illness insurance can pay.
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