What critical illnesses are covered by Ping An Insurance of China?

It is a critical illness insurance that can be sold in China, and the CBIRC has stipulated that 25 kinds of critical illnesses need to be protected against the high incidence of Chinese, and these 25 critical illnesses have accounted for 95% of the occurrence of serious diseases, so it is of little significance to look at the additional diseases. Learn moreWhat critical illnesses are covered by critical illness insurance?

Read the truth about critical illness insurance in one article!

Generally, the best critical illness insurance on the market will cover the mild and moderate symptoms of these 25 major diseasesIt should be noted here that Ping An Insurance's Ping An Fu Critical Illness Insurance has not covered minor illnesses in the past multiple versions, and there is still no coverage for moderate illnesses. You must know that the critical illness insurance market is fiercely competitive, and moderate illness protection is about to become the standard for everyone. For a complete review of the latest version of Ping An Fu, please learn more:

The new version of Ping An Fu 20 is here! But like. Just changed the name?

In addition, the cost-effective critical illness insurance I sorted out before is also shared with you, which can be compared with Ping An's critical illness insurance, and applied for insurance on demand:Top 10 cheap and high-quality critical illness insurance that is worth buying in 2020

Ping An Insurance of China has a total of 45 types of major insurance.

Tumor-related diseases. Acute myocardial infarction, severe primary pulmonary artery. Erosive molar pregnancy.

Cardiac membrane discrimination. Severe primary cardiomyopathy. Sequelae of stroke.

Coronary artery bypass grafting. Aortic surgery. Severe infective endocarditis.

Severe aplastic anemia. Major organ transplantation or hematopoietic stem cell transplantation. Deafness in both ears.

Malignant tumors, renal failure (uremia), vital organ transplantation, quadriplegia, stroke, coronary artery bypass grafting, severe burns, aortic surgery, fulminant hepatitis, terminal disease. Severe autoimmune hepatitis. Severe diffuse systemic scleroderma.

Benign brain tumors. Sequelae of encephalitis or sequelae of meningitis. Deep coma.

Severe Alzheimer's disease.

Severe type I diabetes. Severe burns. Severe rheumatoid arthritis. Elephantiasis. HIV infection caused by blood transfusion. Severe muscular dystrophy.

Commercial insurance activities handled by insurance companies that take specific major diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., as the insured objects, and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent.

The advantage of critical illness insurance is that the insured amount is paid immediately after diagnosis, which avoids the delay caused by economic problems in the early stage, and the insured amount paid can make up for the economic losses caused by the ** period and the ** expenses in the later stage to a certain extent. For example, Fosun United Recreation Lifetime Critical Illness Insurance Section B, with an insured amount of 500,000 yuan for critical illness, 3 times for minor illness, and 500,000 for death benefit, double exemption for mild illness + policyholder, and you can also enjoy value-added medical services.

Ping An Insurance of China covers major diseases such as malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, etc.

The Specification for the Use of Disease Definitions in Critical Illness Insurance, which came into effect on April 3, 2007, stipulates that if an insurance company names the product as critical illness insurance, and the insurance period is mainly for adults (over 18 years old), the scope of diseases covered by the product shall include malignant tumors, 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 chronic renal failure, uremia); In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this standard; At the same time, the above-mentioned diseases shall use the disease names and disease definitions of this specification.

Acute myocardial infarction: refers to partial myocardial necrosis caused by insufficient blood supply to the corresponding area due to coronary artery occlusion. At least the following must be met.

Three conditions: 1) typical clinical manifestations, such as acute chest pain, etc.;

2) recent ECG changes suggestive of acute myocardial infarction;

3) diagnostically elevated cardiac enzymes or troponin, or dynamic changes consistent with acute myocardial infarction;

4) 90 days after the onset of the disease, the left ventricular function was confirmed to be reduced, such as the left ventricular ejection fraction was less than 50%.

Intervertebral disc herniation, inpatient surgery, negation of major illness.

Ping An's critical illness insurance is not bad.

Ping An Insurance is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial services group integrating financial and insurance, banking, investment and other financial businesses.

When purchasing insurance, you should pay attention to the insurance rules, insurance liability, and liability exemption of insurance terms. The insurance rules include the insurance age, the protection period, the payment method, the waiting period, etc., among which the payment method is that consumers can choose flexibly according to the situation, but for the waiting period, it is especially important to understand that the waiting period of each critical illness insurance product is different, there are 90 days, 180 days, and one year, try to choose a critical illness insurance product with a short waiting period.

Insurance liability refers to the liability of the insurer to pay insurance money during the insurance period, and the insured suffers from a critical illness attached to this insurance contract and insured by the insured for the first time (hereinafter referred to as "critical illness") after 30 days from the effective date of the insurance liability (from the effective date of renewal) diagnosed by the hospital to the insured, and the insurer pays the critical illness insurance benefit according to the insurance amount of the critical illness, and the insurance liability of the insured is terminated; If the insured suffers from a critical illness for the first time within 30 days from the effective date of the insurance liability (without waiting period for renewal) diagnosed by the hospital, the insurer shall refund the insurance premium paid by the insured to the insured without interest, and the insurance liability of the insured shall be terminated.

Liability exemption, liability exemption is the situation that the insurance company does not compensate, if the liability exemption occurs, the insurance company does not bear the insurance liability.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-oriented critical illness insurance.

Critical illness insurance is simply illness insurance that takes illness as a condition for the payment of insurance benefits. That is, as long as the insured suffers from a certain disease listed in the insurance policy, regardless of whether or not medical expenses are incurred or how many expenses are incurred, the insurance company can receive a fixed amount of compensation.

Critical illness insurance has become more and more important, and there are many products related to Ping An critical illness insurance

version, best suited for self.

1. Guarantee period: the longer the payment time, the better.

2. Compensation ratio: At present, the standard configuration of critical illness insurance is: 100% of critical illness compensation is not grouped. 30% of the compensation for minor illnesses, and good critical illness insurance products generally meet this requirement.

3. Product classification: Critical illness insurance products are divided into consumption type and savings type, the money will be consumed after the consumption type expires, and the savings type will return the agreed amount after the contract period. In contrast, consumer-based premiums are cheap and more suitable for young people.

However, at present, return-oriented products are more favored by the market. Why choose consumer-based critical illness insurance? If you don't go out of business, the premium will not be paid in vain!

Click on the blue text to read.

According to these dimensions, you can basically judge the quality of critical illness insurance. Then let's go back to the critical illness insurance that says Ping An.

After reading Ping An's critical illness insurance, everyone should know it in their hearts. There are so many Ping An products, I won't list them one by one, but according to my above standards, and then judge the suitable products according to your own situation.

Ping An Insurance Company of China will produce many different products, and different insurance companies will also produce different products, but they all have their own highlights, and it is impossible to judge the suitable products without giving accurate personal circumstances.

Buying insurance is to protect, the selection of products should also be based on their own situation, each person's situation is different, can not blindly follow the trend of choice, according to their own needs and health status, age and other aspects of consideration:

1.Type of protection: It is recommended to choose a type of insurance with high morbidity and high cost, and the products of general insurance companies will contain 25 kinds of critical illnesses stipulated by the Insurance Regulatory Commission, in addition to which other diseases will be added.

2.Duration of Insurance: It is recommended to consider the duration of coverage you need, which is divided into regular and lifetime.

3.Sum Insured Requirements: Don't blindly choose a high sum insured, know that the higher the sum insured, the more expensive the premium, depending on your needs.

4.Payment period: The longer the payment period, the less premium you have to pay in each installment, and you can choose a longer payment period if you don't want to put pressure on your life.

5.Product classification: Critical illness insurance products are divided into consumption type and savings type, and the premium cannot be refunded after the consumption type expires, but the premium is very cheap and more suitable for young people to take it excessively. The savings type can return the amount agreed in the contract when the contract period is reached, which is more acceptable to the public.

6.Age limit: The older the age, the more expensive the premium, and the younger the age, the lower the premium.

There is a risk of inversion from the age of 45, and critical illness insurance cannot be purchased around the age of 60 due to age and health problems. Buying insurance earlier not only gives you earlier coverage, but also lowers your premiums, reducing the risk of being denied coverage due to health problems when you grow up.

7.Gender classification: Men's premiums are more expensive than women's, and medical studies have shown that men's critical illnesses are much higher than women's, so men's premiums are generally higher than women's in front of the same product.

Taking cancer as an example, let's take a look at the difference between mild and severe diseases.

Mild disease is actually a mild serious illness, such as "carcinoma in situ", although it has the word "cancer", but the rate is high, it cannot threaten people's lives, and the cost is basically affordable to everyone, so it is included in the mild disease. Therefore, if critical illness insurance is attached to minor illness liability, it basically covers all cancers, and the coverage is also broader.

On average, the probability of mild illness is about 30% of the probability of major illness. Although the rate of mild cases is high, and the cost is mostly less than 50,000 yuan, it needs to be treated in time, and the cost of serious vision impairment and heart valve intervention surgery is high, and the recovery cost after medical treatment is also a large expense for ordinary families.

1. Look at the premium**

Consumers who apply for critical illness insurance for the first time generally do not know much about the product, but they can be compared through **, such as the policyholder chooses the relevant product within their budget, and the product that best meets their budget and has reasonable protection is suitable, which will not cause financial burden and can provide critical illness protection.

2. Look at the content of the guarantee

In addition to the product**, the policyholder also needs to consider the product protection content, such as critical illness, mild illness and moderate illness, etc., as well as the number of claims of the insurance product, generally there are single claims and multiple claims, which can be considered in combination with the actual situation to meet the needs, so the wider the coverage, the premium will also be proportional**.

3. Look at the product features

Because of the fierce competition in the critical illness insurance market, insurance companies have launched innovative products to meet people's growing protection needs, such as Starjoy Critical Illness Insurance, the underwriting conditions for thyroid nodules and breast nodules are relatively relaxed, and women have certain advantages in the premium of this product, so policyholders can accurately locate the product characteristics.

4. Look at the company's solvency

It is extremely important for us to choose a reliable insurance company when we apply for insurance, mainly to look at the solvency of the company. Therefore, in addition to the product**, insurance content and features, we also need to have a general understanding of the solvency of the insurance company, which is a key indicator to judge whether the claim is good. Since consumers who buy insurance products can get financial compensation after the accident, policyholders cannot ignore it.

Critical illness insurance is also a special commodity, and the premium of a comprehensive critical illness insurance is not low, and it is undoubtedly the wisest choice to find the most cost-effective. For friends who don't know how to configure critical illness insurance, Daddy suggests you take a look at this article: "The correct posture for critical illness insurance, Daddy will teach you a few tricks!" 》

Ping An Insurance's critical illness insurance provides critical illness protection, and like other critical illness insurance on the market, it also covers 28 major illnesses that must be insured by the CBIRC, including malignant tumors, severe burns, multiple limb loss, major organ transplantation, etc.

Many of Ping An Insurance's critical illness insurance products can provide protection for hundreds of critical illnesses, including 28 critical illnesses that must be insured, and other critical illnesses are defined by Ping An Insurance Company. What kind of diseases are covered by critical illness insurance and what are the claim conditions, you can check this article to familiarize yourself with first: What diseases does critical illness insurance cover?

If you don't know these, don't buy them randomly!

It should be noted that there are many types of insurance products under Ping An Insurance, and not all of them can provide disease protection, such as Ping An Insurance's medical insurance, which usually reimburses the medical expenses incurred during the insured's illness and hospitalization; Accident insurance covers accidental disability, death, and accidental medical treatment; Life insurance generally covers death or total disability ......In order to help you better understand the functions of different types of insurance, you can take a look at this article compiled by Senior Sister, and after understanding, you can also analyze what insurance you need to buy: what is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

In addition, in addition to the above-mentioned protection insurance, Ping An Insurance has also launched a lot of financial insurance, which does not necessarily provide critical illness protection, such as annuity insurance, universal insurance, comprehensive insurance, increased whole life insurance, etc., usually in terms of personal protection is to provide death and total disability protection, and the function is more biased towards financial management.

If you want to buy critical illness insurance with comprehensive illness protection, in addition to looking at Ping An Insurance's products, you can also look at the products of other insurance companies, so that you have a better chance of finding products with comprehensive protection and high cost performance. For example, these ten high-quality critical illness insurances, you can also compare and choose: the top ten popular critical illness insurance points worth buying!