What kind of insurance product is critical illness insurance?

Critical illness insurance, also known as critical illness insurance, refers to the insurance that the insurance company pays the insurance money according to the contract when the insured suffers from a critical illness specified in the insurance contract and is diagnosed by the hospital.

China Merchants Cigna experts told everyone that the main covered diseases of critical illness insurance are coronary artery bypass, stroke, sudden hepatitis, myocardial infarction, paralysis and major organ transplant surgery, cancer, severe burns, uremia, aortic surgery, etc. There are a total of 25 types of critical illnesses and other illnesses that must be insured, and other illnesses will be specified and explained in detail in the insurance contract according to the covered illnesses of the critical illness insurance product purchased.

Purchasing critical illness insurance can provide you with some health protection for the future, as well as financial compensation in the unfortunate event of illness.

1. A life insurance product;

2. The scope of insurance is the major diseases agreed in the contract, such as cancer, such as heart bypass, etc., and the specific diseases are subject to the contract.

3. It is a payment-type product. For example, if you buy a critical illness insurance with an insured amount of 500,000 yuan, if you get those diseases in the contract or meet the conditions agreed in the contract in the future, the insurance company will directly pay 500,000 yuan to the insured.

4. Most critical illness insurance carries minor illness liability, when you have a mild illness, not only do you not have to pay the premium, but also give an extra amount of money, and if you have a serious illness in the future, you will also give the sum insured. For example, the common cardiac stent is a mild disease, and so is carcinoma in situ. For example, if the sum insured is 500,000 yuan, and an additional 30% will be paid for mild illness, then if you have a heart disease and there is no bypass, but only a stent, then you will be compensated 150,000 yuan, and if you have a serious illness in the future, you will still be given 500,000 yuan.

That's pretty much it, and I'm afraid it's too much to say.

Major diseases, such as myocardial infarction, malignant tumors, etc.

Critical illness insurance, the full name of critical illness insurance, refers to a commercial practice handled by an insurance company that covers specific critical illnesses, such as malignant tumors, acute myocardial infarction, sequelae of stroke, etc., and when the insured suffers from the critical illness specified in the insurance item, the insurance company will compensate him for medical expenses and other expenses.

1. What exactly does critical illness insurance cover?

After the accident, the insured receives not medicine and care from the insurance company, but a sum of compensation. The insured and their families can take the money and pay it to medical and nursing institutions, in order to obtain better results and avoid the great consumption of family wealth.

The ultimate goal of making money is to spend it (although not necessarily the person who earns it). But in everyday life, the vast majority of consumption and investment (spending money) is "controllable". In other words, the amount (amount) and the morning and evening (time) of "spending" are determined by the person who spends the money - the more money you spend, the sooner you spend more, the less money you spend later, and the less money you spend, the less you spend.

There is only one type of consumption that can neither control the time nor the amount of occurrence, and that is the relatively large medical expenditure brought about by critical illness.

When such expenses are incurred, if there is a "foreign wealth" other than the existing assets of the family to help, isn't it to protect the original "money"?

Insurance compensation is a kind of compensation and preservation of the family's existing wealth. Therefore, as a financial product (contract), critical illness insurance protects the hard-earned "money" of the whole family.

2. What is the role of critical illness insurance?

1. For wealthy families who are fully self-funded, critical illness insurance protects the existing family wealth.

2. For ordinary families with average financial ability, in addition to the function of replacing their own funds, critical illness insurance can also allow the insured to get better medical conditions, reduce the financial pressure of family members, and maintain the original standard of living without declining.

3. For poor families who cannot afford to pay for critical illness medical care (precisely the group with the least awareness of insurance and the lowest insurance rate), critical illness insurance directly protects the most precious "life" of the insured, because no insurance benefit is equivalent to giving up health and life.

4. Applying for critical illness insurance gives the whole family more peace of mind.

5. If there is no insurance, taking out critical illness insurance is "altruistic", which is to help the needy, and it is very good.

Critical illness insurance is insurance to protect critical illness, when you unfortunately have the critical illness agreed in the contract, and meet the conditions for claims, the insurance company will pay you the corresponding amount of insurance in accordance with the contract, which can help you solve the medical expenses, loss of income, and economic compensation for the later expenses.

Which is the best type of critical illness insurance? Poke: The latest critical illness insurance list: Compared with the 186 critical illnesses on the whole network, which ones are worth buying?

Critical illness insurance is critical illness insurance, which is a commercial practice in which the insurance company takes critical illness as the risk object and pays the insurance money for the insured when the insured suffers from the critical illness agreed in the insurance contract.

To put it simply, it is to cover certain major diseases as agreed in the contract, and after the occurrence of the disease, the insurance company will pay the insurance money in accordance with the contract.

The things to pay attention to when buying critical illness insurance are all written here: "What diseases are included in critical illness insurance, and what are the issues to be paid attention to when applying for critical illness insurance?" 》

Critical illness insurance in the insurance is life insurance. If the insured suffers from serious diseases such as malignant tumors, severe acute myocardial infarction, sequelae of severe stroke, re-ignition organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), severe chronic renal failure, multiple limb loss, etc., and the insurance company is eligible for compensation, the insurance company can pay the insurance benefits.

Generally speaking, there are 28 types of critical illness, 3 types of critical illness, and other serious illnesses, mild diseases, and moderate illnesses as determined by the insurance company, in addition, some critical illness insurance plans also provide protection such as death.

The critical illness insurance in the insurance is a kind of life insurance, which mainly covers the insured if he suffers from malignant tumors, severe acute myocardial infarction, sequelae of severe stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or parabidic laughing artery bypass and heterogeneous artery transplantation), severe chronic renal failure, multiple limb loss and other critical illness insurance serious illnesses as agreed in the insurance contract, and meets the claim conditions, the insurance company can pay a sum of insurance benefits.

Generally speaking, there are 28 types of critical illness insurance, 3 types of minor illnesses that must be insured, and other critical illnesses, mild illnesses, moderate illnesses, etc., which are determined by the insurance company.

Hello, it is a pleasure to serve you. Critical illness insurance is critical illness insurance, which means that the insured has purchased critical illness insurance, and after the observation period, some critical illnesses agreed in the insurance contract, such as cancer, cerebral hemorrhage, myocardial infarction, etc., or loss of limbs due to accidents, etc., the insurance company will pay an insurance payment according to the insured amount at the time of application.

Critical illness insurance can be divided into consumption-based critical illness insurance, savings critical illness insurance and return-based critical illness insurance according to the product type, and can be divided into whole life critical illness insurance and term critical illness insurance according to the length of protection. Before applying for insurance, you can choose the type of critical illness insurance that suits you according to your needs. Hope the above answers can help you.

If you have any questions, you can continue to ask me.

Critical illness insurance is an insurance that helps policyholders to recover for loss of income and later recuperation expenses after suffering from critical illness. When a specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc., is a commercial insurance act handled by the insurance company, the insurance company pays the insurance premium according to the insurance contract when the insured reaches the critical illness status agreed in the insurance terms. Generally speaking, the sum insured of critical illness insurance should be 3-5 times of the annual income, so that the compensation of critical illness insurance can cover the expenses of these 3-5 years and recuperate with peace of mind.

Critical illness insurance is one of the more popular types of insurance on the market, and medical insurance, accident insurance, and life insurance are known as the "four King Kongs" in the insurance industry. Will there be a conflict when making a claim?

Critical illness insurance means that when the insured suffers from a critical illness as agreed in the contract and meets the claim standard, the insurance company will pay the sum insured agreed in the contract. I believe that there are many friends who do not know what diseases are covered by critical illness insurance, so it is best to take a look at this article: What diseases does critical illness insurance cover?

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

Critical illness insurance has two main functions:

1. Provide ** fee and recuperation fee.

The ** fee for critical illness usually ranges from 300,000 to 500,000, which is difficult for many ordinary families to afford. If you have purchased critical illness insurance, the insurance company can cover all kinds of expenses and recuperation expenses if it is in accordance with the contract, so as to avoid the situation that the patient does not want to be treated, but has no money to treat the disease.

2. Compensate for loss of income.

When we are seriously ill, the savings we have accumulated over the past ten years are likely to be wiped out. What we need to consider is not only the ** fee, but also how to maintain the normal life of the family in the face of a sudden drop in income. The payout of critical illness insurance can cover this loss, which is enough to save a family.

Therefore, it is still very necessary for ordinary people to configure a critical illness insurance, and the senior sister also presents you with a guide to buying critical illness insurance, remember to collect: How to buy critical illness insurance? It's a buying guide, and if you miss it, you'll lose it!