10 reasons why you should buy critical illness insurance

Dad believes that there are no more than two reasons for configuring critical illness insurance:

1. The probability of people suffering from critical illness is higher than imagined.

The non-pension life table of the "Chinese Life Insurance Industry Experience Life Table (2000-2003)" issued by the China Insurance Regulatory Commission, and the "Chinese Life Insurance Industry Experience Incidence Rate Table of Major Diseases (2006-2010)" show that:

The probability of a lifetime critical illness is 74% for men and 68% for women.

As we get older, the risk of critical illness will become higher and higher, and in addition to actively exercising and strengthening our physique, it is also necessary to configure perfect insurance to avoid the risk of critical illness.

2. Suffering from a serious illness, the family is under great financial pressure.

Examples of falling back into poverty due to illness are not uncommon in life. The breadwinner of most families is often responsible for housing and car loans, raising children, and supporting the elderly.

A serious illness in any member of the family can upset the financial balance of a family.

Although most people enjoy the benefits of medical insurance, or have purchased relevant commercial medical insurance, this is only a reimbursement of medical expenses, and there are more restrictions on reimbursement.

As for critical illness insurance, due to the different payment methods, it has two functions:

1) The one-time payment of critical illness insurance can provide the insured with a sum of money as financial security, which effectively compensates for the economic loss caused by the inability to work during the illness.

2) The sum insured paid by critical illness insurance can also be used for the part that cannot be compensated by medical insurance, such as deductibles and expenses not covered by insurance.

Critical illness insurance is a type of insurance that provides protection for the future by preventing people from having a major illness in the future and requiring large expenses.

At present, the Chinese people's awareness of insurance is getting stronger and stronger, among which critical illness insurance is also a more popular type of insurance, many people will configure critical illness insurance for themselves or their families, and the 10 reasons for buying critical illness insurance are as follows

1. The incidence of critical illness is getting younger and younger, which shows that with the high incidence of critical illness, it is necessary to allocate critical illness insurance as soon as possible to avoid risks;

2. Critical illness protection is seriously insufficient, and there are many users who are not equipped with critical illness insurance, and the insured amount of critical illness insurance also needs to be supplemented;

3. The cost of critical illness medicine is huge, and with the improvement of the level of medical insurance, its ** cost is continuous**, and only by configuring sufficient critical illness insurance can it resist the risk;

4. After a critical illness, it takes a few months to a few years, and a certain amount of ** fee and nursing fee are required;

5. During the period of critical illness**, the income cannot be guaranteed, which makes the family economy even worse;

6. Social security is a benefit paid by the state, and for critical illnesses, many imported drugs, self-financed drugs, and targeted drugs cannot be reimbursed;

7. Family debts, such as car loans and housing loans, will not stop due to critical illness and still need to be repaid;

8. The amount and proportion of critical illness insurance are clearly written into the contract, and once the insurance is out, the user can quickly get the compensation and get effective assistance;

9. Critical illness insurance is mainly for the protection of diseases agreed in the contract, which is highly targeted and can effectively avoid the economic losses caused by disease risks;

10. The most anticipated thing is that some major diseases may be overcome in the next few decades, and users can use less cost, simple way, and even no longer a myth. Then the high sum insured critical illness insurance purchased now will be a surprising "wealth" in the future.

Summary. 1. The incidence of critical illness is getting younger and younger, which shows that with the high incidence of critical illness, it is necessary to allocate critical illness insurance as soon as possible to avoid risks;

2. Critical illness protection is seriously insufficient, and there are many users who are not equipped with critical illness insurance, and the insured amount of critical illness insurance also needs to be supplemented;

3. The cost of critical illness medicine is huge, and with the improvement of the level of medical insurance, its ** cost is continuous**, and only by configuring sufficient critical illness insurance can it resist the risk;

4. After a critical illness, it takes a few months to a few years, and a certain amount of ** fee and nursing fee are required;

5. During the period of critical illness**, the income cannot be guaranteed, which makes the family economy even worse;

6. Social security is a benefit paid by the state, and for critical illnesses, many imported drugs, self-financed drugs, and targeted drugs cannot be reimbursed;

7. Family debts, such as car loans and housing loans, will not stop due to critical illness and still need to be repaid;

8. The amount and proportion of critical illness insurance are clearly written into the contract, and once the insurance is out, the user can quickly get the compensation and get effective assistance;

9. Critical illness insurance is mainly for the protection of diseases agreed in the contract, which is highly targeted and can effectively avoid the economic losses caused by disease risks;

10. The most anticipated thing is that some major diseases may be overcome in the next few decades.

10 reasons why you should buy critical illness insurance.

1. The incidence of critical illness is getting younger and younger, which shows that with the high incidence of critical illness, it is necessary to allocate critical illness insurance as soon as possible to avoid risks; 2. Yinwei's critical illness protection is seriously insufficient, and there are many users who are not equipped with critical illness insurance, and the insured amount of critical illness insurance also needs to be supplemented; 3. The cost of critical illness medicine is huge, and with the improvement of the level of medical insurance, its ** cost is continuous**, and only by configuring sufficient critical illness insurance can it resist the risk; 4. After a critical illness, it takes a few months to a few years, and a certain amount of ** fee and nursing fee are required; 5. During the period of critical illness**, the income cannot be guaranteed, which makes the family economy even worse; 6. Social security is a welfare paid by the state, and for serious illnesses, many imported drugs, self-financed drugs, and targeted drugs cannot be reimbursed; 7. Family debts, such as car loans and housing loans, will not stop because of critical illness, and still need to be continuously repaid; 8. The amount and proportion of critical illness insurance are clearly written into the contract, and once the insurance is out, the user can quickly get the compensation and get effective assistance; 9. Critical illness insurance is mainly for the protection of diseases agreed in the contract, which is highly targeted and can effectively avoid the economic losses caused by disease risks; 10. The most anticipated thing is that some major diseases may be overcome in the next few decades.

Hope it helps you and have a great day! Please give a thumbs up!

The reason for purchasing critical illness insurance is that the purchase of critical illness insurance is a protection for people who have a major illness, and the purchase of critical illness insurance consumes less on some expenses, and the scope of responsibility for critical illness insurance is wider, and critical illness insurance can not only protect medical expenses, but also protect ** expenses, recuperation expenses, income loss expenses, etc.

Extended Materials. 1.Insured residents pay medical insurance premiums to **.

Elderly residents, severely disabled persons, non-employed persons, children who are not enrolled in school or have not entered childcare institutions shall pay to the neighborhood labor and social security center, and the neighborhood office and neighborhood committee shall assist in the collection of relevant work. Medical insurance premiums shall be collected by the schools and childcare institutions for the children enrolled in all kinds of schools and childcare institutions.

2.How to go through the insurance payment procedures if the payment is delayed or interrupted.

If the insurance is delayed or interrupted for more than one year, an application shall be submitted to the neighborhood labor and social security service center when registering, and the medical insurance premiums payable during the delay or interruption shall be paid. The sub-district labor and social security service center is responsible for verifying its relevant materials, confirming that it meets the conditions for participating in the insurance for the first time, calculating the number of years of delay or interruption of the insurance, and reporting to the social insurance agency in each district for approval before going through the supplementary payment procedures. If students and children of all types of schools and childcare institutions need to make supplementary contributions due to delay or interruption of their participation in insurance, the school or childcare institution shall report to the social insurance agency.

3.How is the time limit for insured residents to enjoy medical insurance benefits?

Insured residents who pay medical fees before September 30 can enjoy relevant medical insurance benefits from October 1. Residents who meet the conditions for insurance after the deadline for payment will enjoy medical insurance benefits from the next month after payment. If you meet the conditions for insurance and do not pay for insurance in time, you shall pay the basic medical insurance premiums that should be borne by the individual in the following years when you participate in the insurance in the following years, and enjoy the medical insurance treatment from the next month after payment.

If an urban resident interrupts the insurance payment, he or she shall pay the basic medical insurance premiums that should be borne by the individual during the interruption period when renewing the insurance, and shall enjoy the basic medical insurance treatment from the next month after the renewal payment. Medical expenses incurred during the period of non-payment will not be reimbursed.