What diseases can be covered by ComviCare 2 0?

Critical Illness Insurance ProtectionThere are 100 serious diseases, 25 moderate diseases, and 48 mild diseasesWhat critical illnesses are covered by critical illness insurance? Read the truth about critical illness insurance in one article!

100 speciesCritical illnessIn it, there are 25 major diseases that must be included in the CIRC's regulations.

In addition, Kanghuibao also covers 75 other critical diseases, but in fact, the probability of occurrence of the additional 75 critical diseases is not high. However, as long as it is stipulated in the contract, the insurance company will insure, but the specific compensation conditions are also different, and the specific terms of the contract will be listed and explained.

KanghuibaoModerate to mild diseaseThe sum assured is also very competitive in the critical illness insurance market, with few products being able to cover 60% of the sum insured for moderate illnesses and up to 45% of the sum insured for mild illnesses. But is it better to have more types of mild and moderate disease? I wrote an article earlier that might give you the answer:

Is the more mild illnesses in critical illness insurance, the better?

Kanghui Baote has oneAntecedentsProtection is a new attempt in the protection of critical illness insurance products, if you suffer from one of the 12 pre-existing diseases, 15% of the sum insured will be paid, and there is also the function of waiving the premium for pre-existing conditions.

Whether it is for children or adults, the diseases covered by Kanghuibao are quite real, but are there any drawbacks? You can take a look at this evaluation article written by industry insiders: I saw [Kanghuibao's people say that they are excited, that is, you don't know its shortcomings.

Let's take a look at its basic coverage:

In addition to the coverage for the previous mild, moderate and severe diseases, Kanghuibao also includes a second cancer benefit, which pays 120% of the sum insured. So is the premium of this critical illness insurance expensive?

Taking a 30-year-old woman with an insurance amount of 100,000 yuan and a 30-year insurance for life as an example, Kanghui Bao is 49 yuan cheaper than the Three Gorges Iron and Steel Warrior No. 1, and 58 yuan cheaper than Hengqin Preferential Treasure.

Kanghui Critical Illness Insurance, underwritten by Centennial Life, is a single-payout critical illness insurance that will be launched soon.

In recent years, as the flagship product of Centennial Life, the Kanghuibao series has been very popular because of its cost performance.

The following illnesses can be covered:

Critical illness benefit

100 major illnesses can be paid once, and the reimbursement ratio is 100% of the basic sum assured.

If the Insured Person is diagnosed with a critical illness before the age of 60, an additional 60% will be paidMild to moderate illness benefit

25 kinds of moderate diseases, can be paid twice, each time at 60% of the sum insured, no interval;

For 48 mild diseases, the compensation can be increased 3 times, and the compensation will be paid at 40%, 45%, and 50% of the sum insured in turn, with no interval;

Generally, after looking at the compensation ratio of mild to moderate diseases, we will also pay extra attention to whether this product has comprehensive coverage for high-incidence mild to moderate diseases.

From the above figure, we can see that Kanghuibao Critical Illness Insurance covers the above 10 types of high-incidence mild to moderate diseases, and its performance is relatively good.

Pre-existing condition benefit

12 kinds of pre-conditions, up to 1 claim, 15% of the sum insured, about 12 kinds of pre-conditions, see the figure below:

Specified Cardiovascular and Cerebrovascular Diseases Benefit (Supplemental).

If the first diagnosed critical illness is not the agreed cardiovascular and cerebrovascular disease, an interval of 180 days is required, and 120% of the sum insured will be paid;

If the first diagnosed critical illness is the agreed cardiovascular and cerebrovascular disease, and the disease suffers again, an interval of 1 year is required, and 120% of the sum insured will be paid.

The specific types of specific cardiovascular and cerebrovascular diseases are as follows (12 kinds):

Among the diseases mentioned in the above figure, "acute myocardial infarction", "coronary artery bypass grafting", "aortic surgery", and "severe myocarditis" are all high-risk major diseases.

The above hope can solve your doubts, and you can also arriveDaddy protects the netCheck out the latest assessments, and maybe you'll have a different understanding!

1. Recipients of the minimum subsistence allowance for rural residents (hereinafter referred to as the recipients of the rural subsistence allowance) and the recipients of the five guarantees.

2. Residents whose actual inpatient medical expenses for the current year exceed the annual family income after reimbursement, reduction, or subsidy of relevant medical expenses in accordance with relevant regulations.

3. All rural residents who participate in the city's new rural cooperative medical care and newborns who enjoy the medical treatment of the new rural cooperative medical system with their participating parents suffer from 22 types of major diseases.

4. Except for 22 types of major diseases, the annual cumulative personal out-of-pocket expenses of more than 20,000 yuan (including 20,000 yuan) within the scope of the NCMS reimbursement policy and the part of the annual cumulative personal out-of-pocket expenses outside the scope of the policy are more than 40,000 yuan (including 40,000 yuan) after being reimbursed by NCMS.

5. The upper limit of the proportion of expenses outside the scope of the NCMS reimbursement policy in the total medical expenses shall be 10% (including 10%, the same below) for the first-level NCMS designated medical institutions, 20% for the second-level NCMS designated medical institutions, and 30% for the municipal and non-municipal NCMS designated medical institutions.