What does the basic insurance amount mean? What's the difference between it and the insured amount? Then give a comprehensive analysis to your friends.
1. What does the basic insurance amount mean?
The basic insurance amount is usually agreed by the insured and the insurance company at the time of insurance, but it must comply with the insurance regulations of the insurance company.
The basic insurance amount refers to the amount clearly marked on the insurance policy, and the insurance amount belongs to the insurance compensation amount that the insurer or beneficiary can obtain.
People sometimes confuse the basic insurance amount with the insurance amount, but the basic insurance amount and the insurance amount are very different in essence.
The insurance amount essentially refers to the amount of insurance compensation that can be obtained. The basic insurance amount can be directly the same as the insurance amount or different from the insurance amount.
2. What is the difference between the basic insurance amount and the insurance amount?
The basic insurance amount and the insurance amount are directly two different concepts. The basic insurance amount seen in the insurance contract is not the money paid by the insurance company.
Of course, in the insurance clauses of some insurance products, the basic insurance amount and the insurance amount are exactly the same, but there are still some insurance products whose insurance amount is calculated on the basis of the basic insurance amount, just as the insurance amount of insurance products is twice the basic insurance amount.
In short, the basic insurance amount belongs to the amount agreed between the insured and the insurance company at the time of insurance, and claims are based on this. The insurance amount is the final result calculated according to the basic insurance amount.
This is very prominent in the critical illness insurance, and the payment is made according to the amount used at the time of insurance. For example, pay 100% of the basic insurance amount, or 60% of the basic insurance amount, and so on.
Now that we're talking about critical illness insurance, let's talk about some precautions for insuring critical illness insurance.
Third, how to buy critical illness insurance?
Generally speaking, as long as people are healthy, it is very appropriate to choose critical illness insurance. Some friends may think so, and they are young and very resistant. Diseases such as cancer are far away from them.
But in fact, serious diseases such as cancer may happen to people of any age. According to some surveys, cancer has shown a trend of younger age in the past 20 years. Cancer is no longer a "patent" for the elderly, and even primary and secondary school students may be diagnosed with serious diseases. Therefore, if you are healthy, buy critical illness insurance as soon as possible.
As we said before, the premium of critical illness insurance is actually paid further according to the insured amount, so we must pay more attention to the insured amount of critical illness insurance.
If the insurance coverage is high, your pressure will be much greater, but if the insurance coverage is low, you may not be able to completely transfer the economic pressure you are facing.
In addition, some excellent critical illness insurance will set a flexible payment period. At the same time, on the basis of supporting one-time payment, there are various annual payment cycles, which consumers can purchase according to their own conditions.
In order to help you buy excellent critical illness insurance products, Senior Sister has specially selected some good products. Click on the link to learn more!
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Fourth, the precautions for critical illness insurance!
We should not only look at the above content, but also understand the guarantee content it provides. Generally, excellent critical illness insurance products include at least severe/moderate/light illness protection. Not only that, but also the proportion of compensation should be clearly defined. 30% of the insured amount can be paid directly for mild cases, 60% for moderate cases and 100% for severe cases.
Moreover, it is best to provide special "extra compensation". In this case, consumers can directly obtain more sufficient funds, which are mainly used to pay for treatment and make up for the loss of income during illness.
Therefore, it is not a simple matter to buy critical illness insurance. Small partners need to consider comprehensive factors and make choices according to their actual needs.
If you don't know how to choose a good critical illness insurance, then the content of this article suggests you have a look, otherwise you may step on the pit!
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
5. Where can I buy critical illness insurance?
At present, there are two common channels for purchasing critical illness insurance, online channels and offline channels.
Online channel:
(1) official website, APP and WeChat official accounts of insurance companies: At present, many insurance companies have specially set up online insurance products, such as insurance company official website, or their own APP and WeChat official accounts, all of which support configuration.
(2) Other third-party insurance malls: If you enter the insurance mall and start insurance, it is more convenient for you to compare the products of different insurance companies.
Offline channel:
(1) Offline outlets of insurance companies: Many insurance companies set up offline outlets all over the country, so it is no problem for everyone to find offline outlets to buy.
(2) Insurance agent: Insurance companies generally have insurance agents, and they can also find insurance agents to help with configuration.
If you don't know which insurance method is more suitable for you, then you can look at the comparative analysis of these two insurance methods:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
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