Because there are many factors that affect critical illness insurance, such as the following:
1, age of the insured
The price of critical illness insurance increases with age. The older you are, the more premiums you need to pay. Moreover, the underwriting of critical illness insurance is relatively strict. The older you get, the higher the chance of getting sick, and the corresponding rate will increase.
2. Professional nature
There will also be great differences in occupations with different risk levels. In critical illness insurance, the different nature of occupation has a direct impact on the premium level. For example, people with poor working environment may have to raise the premium to cover it.
3. The incidence of diseases is different.
Under normal circumstances, the diseases that the insured wants to protect will have higher premiums than those with low incidence, because the disease insurance companies with high incidence will have more opportunities to claim compensation.
4. Differences in the physical condition of the insured.
The insurance company will calculate the risk according to the insured's past medical records. If they suffer from some special diseases, most of them need to pay more.
5. Different living habits
The insurance prices of smokers and non-smokers are different. The length of insurance payment period will also affect the premium.
Mintebao provides users with personalized demand analysis and risk assessment, customizes family protection scheme, matches the most suitable insurance products on the market, and provides detailed scheme interpretation. Mintebao also provides formal insurance channels to assist in underwriting and handling procedures.