I m going to buy critical illness insurance, I don t know, thank you for your advice

There are several types of critical illness insurance:

1. According to the payment method, it can be divided into consumption type and return type, the consumption type is that the money cannot be returned after it is spent, and the return type will be returned to you when it expires. However, the rate of the return type is also higher.

2. It is recommended to purchase lifelong critical illness insurance, because human life span is indefinite. It is possible to get sick after the insurance period until the age of 70 and 80, and you will not be able to buy insurance at that time.

3. Note that it should be purchased together with reimbursement insurance. Critical illness insurance is an agreed sum insured that will be paid once a diagnosis is confirmed. Reimbursement insurance is a reimbursement of medical expenses incurred with an invoice after the claim has been paid. In this way, there is not only money for treatment, but also living expenses.

4. Some critical illness insurance has no life insurance liability, so you must read the insurance contract clearly.

As for the choice of insurance company, it does not matter, high rates for large companies are the norm. I haven't seen how slow it is for small companies to settle claims. The key is that a good product is the most important thing.

The terms of critical illness insurance of different companies are different and need to be carefully compared, but as for the provisions of the disease, the first 25 types of critical illness are generally the same for each insurance company, which is stipulated by the China Banking and Insurance Regulatory Commission to cover 90% of the common critical illness types, and the latter is free to play by each company, but it is not messy, and it has been reviewed by the China Banking and Insurance Regulatory Commission.

You can learn more about the company's products, the key is to look at the product contract, many people buy insurance without looking at the contract, the terms of the contract are not complicated, mainly look at, how much to pay, what is the insurance liability, critical illness is mostly returnable, lifelong, insurance is best to invest in critical illness insurance + medical insurance together, medical insurance to solve the problem of the hospital, critical illness insurance to solve the problem of the hospital.

It is still necessary to buy, the main role of critical illness insurance is to avoid the risk of critical illness, if the insured suffers from the critical illness agreed in the contract, the insurance company will pay a sum of insurance money, which can be used for ** critical illness before, and can also be used for other purposes.

1. What is critical illness insurance: Critical illness insurance can be divided into three types: consumption-based critical illness insurance, savings critical illness insurance, and return-based critical illness insurance.

Critical illness insurance refers to the act of paying insurance benefits according to the insurance contract after the insured suffers from a critical illness as agreed in the insurance contract, such as malignant tumors, cerebral hemorrhage, etc., and reaches the specified state.

2. The necessity of buying critical illness insurance The compensation paid by the adventure in the critical illness state is undoubtedly the best material support, so that the insured can feel at ease**, and the follow-up** will also have a life**, which is also more conducive to the patient's recovery. Moreover, there is no specified purpose for this fund, and the insured has complete control over the critical illness compensation, even if it is to travel, it is okay to use it to repay debts. Rapidity.

Now the incidence of critical illness is getting higher and higher, and there are not many cases of a person who is seriously ill and returns to poverty overnight, because the cost of hundreds of thousands of ** is not easy to come out, and the most important thing is to be timely, because ** does not lead to deterioration of the condition in time, and the final fruit of the mu trace source is sad, so it is still necessary.

Extended information: Who should buy critical illness insurance:

1. The main breadwinner of the family When purchasing critical illness insurance, the priority is the main breadwinner of the family to make up for the financial pressure caused by the loss of the financial ability of the main breadwinner.

2. Those who have not purchased commercial medical insurance Once they suffer from a critical illness, they generally need to import drugs at the first time, but the social security of these drugs is generally not reimbursed. If you buy critical illness insurance, you can get an extra layer of protection.

3. Low- and middle-income people For low- and middle-income people, it is difficult to afford a critical illness, and they often need the help of the whole family and society. Therefore, it is necessary for low- and middle-income earners to purchase a critical illness insurance.

The role of critical illness insurance and its suitability.

Each type of insurance has its corresponding risks, for example, accident insurance is to compensate for accidents, and life insurance is to compensate for the risk of death. But when it comes to critical illness insurance, it seems a little embarrassing - is critical illness insurance to prevent me from getting sick? But I have medical insurance.

Yes, if it is only used to pay for the medical expenses of diseases, then there is no doubt that everyone will pay more attention to all kinds of medical insurance, especially the million-dollar medical insurance that has been popular in recent years, with an insurance amount of up to several million.

What disease can't be seen by millions? If so, critical illness insurance may not be of much use.

Therefore, the role of critical illness insurance is defined as compensating for the loss of income caused by being unable to work due to a serious illness.

This positioning is actually quite accurate, but it also raises the question: does everyone need to make up for the loss of income?

This question is equivalent to the question of whether it is necessary to buy critical illness insurance, and this question is obviously very good: not everyone needs it.

Elderly people who are nearing retirement, children who are still in school, and those with lower annual incomes, do they need critical illness insurance to cover the loss of income?

For this part of the people, they are not the main force to make money, and there is nothing to make up for at all, not to mention that the rate of critical illness slag spring insurance itself is high, is it necessary to spend thousands of yuan alone every year to buy critical illness insurance? So critical illness insurance is not for them.

Critical illness insurance is actually suitable for such a group of people: annual income of 80,000-1 million, both old and young.

This kind of person has a decent income, dismantles the manuscript but bears a lot of family responsibilities, and seems to have spare energy, but "less than the top, more than the bottom", in fact, the cash flow cannot be broken, and it is likely that he cannot afford to be sick.

For them, critical illness insurance is an important protection that can help the whole family feel more at ease in the event of illness.

In fact, the reason why everyone is always covered by critical illness insurance is very simple, because the commission of long-term critical illness insurance is high, and it is easy to promote.

In my country, people who buy life insurance and accident insurance will naturally buy it, and it is difficult for you to move them if you don't buy it.

However, medical insurance is used relatively frequently, there are many restrictions on insurance itself, and the profit is not high, and even the medical insurance of many large companies is not sold separately, but as an additional insurance, with the main insurance such as critical illness, so critical illness insurance has naturally become the main force of promotion.

Critical illness insurance accounts for a lot of budget, do you need one? Please also make your own judgment based on the actual situation.

The criteria for critical illness are different from those for clinical diagnosis in hospitals. Don't listen to the insurance ** people are wandering and falling around, and those who must have written words and stamped with the official seal are the basis for claims.

Hello! In an environment where the health crisis is becoming more severe, it is imperative to purchase commercial insurance and need to be insured in a timely manner. There are two types of insurance that are essential in commercial insurance, and one of them is critical illness insurance.

For young people in their 20s, it is very necessary to purchase a critical illness insurance product that suits them in advance.

There are many types of critical illness insurance, mainly including consumption-based critical illness insurance and return-based critical illness insurance, which are recommended to be considered comprehensively according to your personal financial situation and protection needs. You can take a look at the critical illness insurance guide, and it is recommended that you choose a consumption-based critical illness insurance product according to your financial ability.

In addition, for you, accident and health care risks should be the most need to be protected, it is recommended that you consider improving social security first, and on this basis, you should also improve the protection of commercial insurance products, you can appropriately choose consumer-based health critical illness insurance and accident insurance products as social security supplements.

Critical illnesses diagnosed in clinical medicine are very different from critical illnesses in insurance medicine by insurance companies, and you can't claim compensation if you suffer from a critical illness that you know.

It is very necessary, it is very necessary insurance.

It is necessary, it is necessary to buy critical illness insurance. Here's why:

1. Critical illness insurance is small and broad, and the insurance leverage is high, for example, after paying premiums for several years, in the event of a critical illness, the compensation is directly based on the insured amount, and the actual premium cost is only 10,000 yuan, but the amount of compensation is hundreds of thousands.

3. To solve the problem of nutrition expenses for serious illnesses, once you suffer from a critical illness, plus the follow-up expenses, medical insurance alone will not work, and there is no restriction on the use of critical illness claims.

4. If you buy it when you are young, the premium of critical illness insurance will be cheaper, and you will have less financial pressure if you apply for insurance as soon as possible, and you can also have critical illness protection earlier.

5. Critical illness insurance prevents family members from becoming impoverished due to illness, and once the family economic breadwinner suffers from critical illness, critical illness insurance can pay a sum of money to ensure the normal operation of the family.

6. Critical illness insurance is a fixed amount of insurance, which can be superimposed.

7. Whole life critical illness insurance has a savings function, such as applying for insurance when you are young, with the increase of age, the cash value will gradually increase, and the cash value can exceed the premium paid in the later stage, and you can surrender the policy for cash.

8. The exemption liability of critical illness insurance can protect the rights and interests of the insured, such as the insurance of children's critical illness insurance, there is an exemption from the policyholder, once the parent as the policyholder has a critical illness, the follow-up premium does not have to be paid, but the protection continues to be effective.

9. Critical illness insurance can solve some special expenses, such as organ transplant material costs, which are not covered by medical insurance.

10. The sum insured of critical illness insurance is clear, and the amount of insurance paid is how much you buy.

11. Critical illness insurance can be loaned by policy, because long-term critical illness insurance has cash value, and financial pressure can be alleviated through policy loans.

The most important thing to buy insurance is to buy insurance that suits you, and it doesn't matter which company's products you buy, but you should pay attention to the following points when choosing critical illness insurance:

1. Guarantee period: the longer the guarantee period, the higher the protection period; Health is a lifelong companion, and the main purpose of buying critical illness insurance is to prepare a medical treatment** in case of emergency, and the longer the payment time, the better. First, because of the long payment period, although the total amount paid may be slightly more, but each payment is smaller, which will not bring too much burden to the family, plus interest and other factors, the actual cost is not necessarily higher than the one-time payment method.

The second reason is that many insurance companies stipulate that if the payment of critical illness insurance benefits occurs within the payment period, the insurance premiums for subsequent periods will be exempted from the date of payment, and the insurance contract will continue to be valid. That is to say, if the insured suffers from a critical illness in the second year of payment and chooses to pay in 10 years, the actual premium will only be paid one-fifth; If you pay for 20 years, you will only pay one-tenth of the premium.

2. The proportion of the first compensation when suffering from a critical illness: 100 compensation should be paid, not paid in installments.

3. Whether there are uncertain items in the insurance clauses: such as "adjustable rates" - unfair terms.

4. Scope of coverage: The number of diseases is not the determining factor (most of the extra parts are diseases with lower incidence or more detailed diseases), but it is necessary to pay attention to whether there is an insurance liability for terminal disease, and whether this liability can be paid in full. (What if there is a disease similar to SARS in the future?)

5. Death liability: Due to the harsh claim conditions for some diseases, when the disease has not yet reached the claim conditions (or can be compensated or not), but it has been in critical life, whether there is a death liability will be completely different, there is - the amount of compensation, no - interest-free surrender premium, resulting in a great difference in the difficulty of claims! (This is crucial!)

In order to avoid lawsuits in the future, please choose the former).

6. Whether to pay dividends: The main insurance is a participating life insurance, with additional critical illness insurance - the longer the time after insurance, the more dividends you will get, and you will pay more costs when purchasing, but you can offset some of the losses caused by inflation.

7. Claim conditions: the annotated part of the clause - horizontal comparison, the difference is still quite big! For example, stroke, head trauma, etc., some products will be compensated six months after the occurrence, and some can be compensated after six weeks, providing sufficient cash for the later ****; For example, Alzheimer's disease is only 65 years old, and people in their 60s are still healthy.

The sum insured of 10,000 to 200,000 yuan is more appropriate. According to recent statistics, the cost of major diseases is less than 10,000 yuan, more than 100,000 yuan or even higher, so it is more appropriate to buy 100,000 yuan to 200,000 yuan of insurance, less than 100,000 yuan of the protection function is too weak, and more than 300,000 yuan is not necessary for the general public.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If you want to buy critical illness insurance, you should still choose some well-known companies or some companies with state-owned shares, which will be more reliable, and will not shirk too much when making claims, because there are always many reasons for the insurance company, and some insurance companies will give you a set when you sign the contract.

For example, when you sign a contract, let your income be falsely reported to you as high or low, which will affect the subsequent claims. But you didn't know these things when you signed the contract, and you paid a lot of money every year, and when you wanted to settle the claim, the other party came up with this reason that your contract was unqualified and the contract was not established. Therefore, when you sign an insurance contract, you must review each clause well, and the insurance company will really have some tricks in these clauses.

Critical illness insurance should also be a relatively popular insurance, and many people will still buy it, because some people are afraid that if they have a critical illness, their family will be poor due to illness. And after having critical illness insurance, you have an extra kind of protection, and after you have a critical illness, your family will not have too much burden. However, there are restrictions to this type of insurance.

For example, people who are very old or have a serious illness cannot buy this kind of insurance, and they must make very healthy young people can buy this kind of insurance, because for insurance companies, such people buy such insurance as low-risk people, they will not pay too much, if they are already seriously ill, they are buying this kind of insurance, they are high-risk users, because insurance companies will not want this kind of users.

Therefore, when choosing an insurance company, you should choose some big brand insurance companies, preferably with some state-owned components. If there is no way to choose such a state-owned insurance company, then choose some of the more famous commercial insurance companies in the market, such as Ping An Insurance Company such as Pacific Insurance Company.