Should I buy critical illness insurance? Should I buy critical illness insurance?

Of course I want to buy it! And I recommend that the sooner you buy it, the better! Because the insurance rate increases with the age of the policyholder.

The older the policyholder, the higher the premium. Under normal circumstances, choose the same basic sum insured, the same protection time and payment time, and apply for insurance at different ages, the younger the age at the time of insurance, the better your physical health, the greater the possibility of passing health notification, and the lower the corresponding **. Little Red Flower Critical Illness Insurance can be insured when the child is 30 days old!

Before the age of 35, you can choose the maximum payment period of 30 years, and enjoy critical illness protection at the same time, the cost is not high, which is very suitable for ordinary families!

Critical illness insurance is required. Because most of the critical illness insurance is a diagnosis benefit insurance. That is to say, as long as it is diagnosed as a critical illness, then in line with the terms of the insurance contract, the claim will be paid in advance, so that there is a fee to go to the hospital to see a doctor** to pay the deposit and medical expenses in the early stage.

After being discharged from the hospital, if you need ****, you can also use this claim payment. Therefore, critical illness insurance still needs to be purchased.

Whether you want to buy or not depends on whether you have enough ability to keep your own risk, the family is extremely wealthy, it doesn't matter, if it is the other way around, you need to buy.

Whether critical illness insurance pays or not depends on the size of the company, but on the terms of the contract, so when buying critical illness insurance, you must first look at the terms and then look at the company. Critical illness insurance is necessary, but not everyone needs to buy it. The purchase of critical illness insurance should pay more attention to the terms of the product, and the reputation and size of the insurance company are not important.

The most important thing to buy insurance is to do what you can. If you have this economic foundation, of course, it is best to buy critical illness insurance. It can guarantee that you have a critical illness and have a certain amount of financial security. However, critical illness insurance is generally more expensive.

Critical illness insurance is also suitable for children. It's not that children need critical illness protection so much, it's mainly because of their young age, insurance is cheap and cost-effective.

Young people generally don't need to buy it, such as those under 40 years old, you can consider buying one over 40 years old, I hope it will help you.

The possibility of suffering from a major illness in a person's life is as high, and the cost of surgery in the early stage of a major illness is generally more than 200,000 yuan, not including other expenses.

Once a family member suffers from a serious illness, they may fall into financial difficulties for the rest of their lives. Purchasing critical illness insurance is equivalent to giving yourself an extra protection to your family, as long as you suffer from a critical illness, you can get insurance.

In case of a critical illness, it will bring huge medical expenses to the family, and there will also be loss of income such as ** expenses, family debts, and living expenses. Critical illness insurance that can be paid in advance can hedge these risks, and its insured amount can be used for more than just treatment.

Critical illness insurance, also known as 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 pays the insurance premium according to the insurance contract.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to pay the insurance premium according to the insurance contract when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc., occurs and the insured reaches the critical illness status agreed in the insurance clause.

If you have a family history, if you have the money, buy it early, and buy more to have a lot of benefits.

Many people think that social security is enough, the scope of social security is limited, and the reimbursement amount is divided into a minimum payment line and a ceiling line. In the unfortunate event of a critical illness, Social Security may not be reimbursed. Critical illness insurance is a kind of income compensation that protects people's medical expenses and living expenses after suffering from a critical illness.

For a more comprehensive explanation of critical illness insurance, please see here.

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Critical illness insurance needs to be purchased. In recent years, major illnesses have plagued many families, and once they suffer from a major illness, the physical and mental impact and economic impact on individuals and families are huge. There are many families who not only have all their family savings in vain due to a serious illness, but also owe a lot of foreign debts, and critical illness insurance is an effective tool to solve this problem.

The function of critical illness insurance is to pay for the high medical expenses incurred by the insured due to illness**, provide corresponding financial protection for the insured after illness, and avoid financial difficulties for the insured's family as much as possible.

Precautions for buying critical illness insurance

1. Some disease insurance has additional conditions, and users need to understand the provisions of the insurance regulations on illness and age, and then judge whether the coverage of the disease in the insurance product is meaningful to them according to their age and the insurance period of the product.

2. Understand several exclusions in the critical illness insurance specification, the insured suffers from a disease that meets the definition of the specification or the provisions of the insurance clause, and may not be able to get a claim, and the user needs to pay attention to several exclusions when purchasing.

3. The premium payment is directly proportional to the age of the policy, and the older the insurance liability, the higher the premium. Therefore, the sooner you purchase critical illness insurance, the better.

Of course you have to buy it. [Click to get a free 1-to-1 insurance consulting service].

There are mainly the following reasons why it is necessary to buy critical illness insurance:

1. High incidence of critical illness.

In today's fast-paced life, all kinds of pressure will become more and more intense, and the incidence of critical illness continues to rise, and relevant data show that in a person's life, the probability of suffering from critical illness is as high as more than 70%.

2. Critical illness** is expensive.

After suffering from a critical illness, the cost is expensive, such as the cost of cancer is almost 100,000 yuan, and the high cost is millions, which is difficult for ordinary families to bear.

3. The follow-up cost of critical illness is high.

Critical illness is not only dependent on medical expenses, but also a large amount of expenses in the follow-up, and the insurance money paid by critical illness insurance can not only be used for **, but also for follow-up expenses.

4. There is no restriction on the use of critical illness benefits.

Critical illness insurance is a type of insurance that pays a fixed amount of insurance to the beneficiary of the policy, but does not limit the use of the insurance money. It is equivalent to the beneficiary can freely dispose of this insurance money, which can be used for **, or can be used to subsidize the family and maintain the normal life of the family.

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In today's society, people are increasingly concerned about their own health and that of their families. However, accidents and sudden illnesses that can occur in life have led many people to start considering purchasing critical illness insurance. This form of insurance is designed to provide financial protection in the event of a critical illness.

While critical illness insurance has some advantages, it is important to weigh carefully whether you should buy it.

Advantages: financial security and psychological comfort.

One of the main reasons to buy critical illness insurance is to gain financial security. Critical illnesses often require expensive medical bills and long-term**, which can be a heavy financial burden for the average family. Critical illness insurance, on the other hand, can provide you with a financial compensation to help you pay for medical expenses, daily expenses, and even mortgages.

In addition, critical illness insurance can also bring psychological comfort to people. When at risk of a major illness, many people feel anxious and fearful. Purchasing critical illness insurance can reduce this uncertainty and give people more peace of mind.

Considerations: Fees and coverage.

Despite the many benefits of critical illness insurance, whether or not to purchase it depends on individual circumstances and needs. First of all, the cost of critical illness insurance is a factor to consider. Purchasing critical illness insurance requires a certain amount of premium, which may have an impact on an individual's financial situation.

Therefore, it is necessary to assess one's financial means and whether you are willing to pay for this additional cover.

Secondly, you also need to understand the coverage of critical illness insurance. Different insurance companies and policies may have different definitions and compensation standards for critical illnesses. Therefore, it is advisable to read the terms of the contract carefully and consult with the insurance company in detail to ensure that you have a clear understanding of the specific content and limitations of the insurance before purchasing.

Conclusion: Weigh the pros and cons to make a decision.

Purchasing critical illness insurance is a decision that requires careful weighing of the pros and cons. Consider your financial situation, family situation, and personal health to determine whether critical illness insurance is necessary. If you have a stable economy** and are concerned about the financial strain you may face in the future from a critical illness, it may be wise to purchase critical illness insurance.

However, critical illness insurance is not a necessity for everyone. If you already have other forms of insurance or financial savings to cover the costs of a sudden illness, purchasing critical illness insurance may not be a matter of urgency.

The most important thing is that before making a decision, you should fully understand the relevant knowledge of critical illness insurance, and discuss with a professional to find the right critical illness insurance product.

Question: What are the critical illnesses in the hospital that are not covered by insurance?

Critical illness insurance medication is not fully reimbursed.

2. Acute myocardial infarction;

3. Sequelae of stroke - permanent dysfunction;

4. Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting) - thoracotomy is required;

6. End-stage renal disease (or chronic renal failure uremia stage) - dialysis** or kidney transplantation;

7. Multiple limb loss - complete disconnection;

8. Acute or subacute severe hepatitis;

9. Benign brain tumor - craniotomy or radiation**;

10. Decompensated chronic liver failure - excluding alcohol abuse or drug abuse;

11. Sequelae of encephalitis or meningitis - permanent dysfunction;

12. Deep coma - excluding alcohol or drug abuse;

13. Deafness in both ears - permanent and irreversible;

14. Binocular blindness - permanent and irreversible;

15. Paralysis - permanent completeness;

16. Heart valve surgery - thoracotomy is required;

17. Severe Alzheimer's disease - complete loss of the ability to live independently;

18. Severe brain injury - permanent dysfunction;

19. Severe Parkinson's disease - complete loss of the ability to live independently;

20. Severe burns - at least 20 of the body surface area;

21. Severe primary pulmonary hypertension - with heart failure manifestations;

22. Severe motor neuron disease - complete loss of the ability to live independently;

23. Loss of language ability - complete loss and positive for at least 12 months;

24. Severe aplastic anemia;

25. Aortic surgery - thoracotomy or laparotomy is required.

3. Severe ulcerative colitis.

Question: Is your above answer not covered by insurance?

I also want to ask questions, such as liver, kidney is not good, this kind of insurance is covered, thank you for the doctor's answer.

Answer: What is critical illness insurance? Critical illness is actually a critical illness, if the insured suffers from a contracted illness during the insurance period, then the insurance company will pay the insurance benefits according to the contract. In general, critical illness insurance will be paid upon diagnosis, which can be used by the patient to cover expenses due to the inability to work during the illness.

In summary, the role of critical illness insurance is as follows:

1. Resist risks: Nowadays, people's disease rate is rising, if there is a critical illness, it is undoubtedly a heavy economic burden for ordinary families, and few families can afford the medical expenses of critical illness insurance. If you configure critical illness insurance in advance, you can reduce your family's financial expenses and build security.

2. Make up for social security: Now the social security payment is low, and it can also be reimbursed, but the premise of social security reimbursement is that people pay in advance by themselves, and then reimburse according to the voucher, and there are restrictions on social security reimbursement, there is a starting line and a cap line, and the starting line is how many standards can be reimbursed to a certain proportion, and the cap line is not reimbursed after reaching a certain amount. At the same time, some good ** drugs and advanced ** social security, social security is also not reimbursed.

Regardless of the drug used, as long as the contract stipulates the amount of insurance, as long as the contract meets the provisions of the contract, the amount of insurance will be paid when the claim is settled.

Precautions for buying critical illness insurance.

1. Look at the terms of the insurance: When buying critical illness insurance, you must look at what kind of critical illness is covered, and what are the high-incidence and mild illnesses covered. Critical illness insurance not only covers critical illness, but also mild and moderate illness, for critical illness, the industry has defined 25 statutory critical illnesses, accounting for about 95% of critical illness claims.

Therefore, when looking at which critical illnesses are covered, there is basically no need to worry too much. Mild and moderate symptoms are defined by the insurance company itself, so we must focus on what high-incidence mild and high-incidence moderate diseases are included. At the same time, it is necessary to confirm whether there is a moderate to moderate illness exemption clause.

2. Look at the insurance amount: under the current situation, the insurance amount is about 30-500,000 yuan, and now the cost of serious illness is very high. Under normal circumstances, the amount of insurance is mainly determined according to one's own income, and here is a rule for you, the rule of double ten, in fact, if your income is 100,000 yuan, then, take out 10,000 to buy 1 million insurance amount.

If a person reaches middle age, the possibility of suffering from a critical illness increases, and if a person suffers from a critical illness, it is a huge expense, so when he reaches middle age, he can buy critical illness insurance.

Question: My son bought it when he was 21 years old, bought it for two years, and wanted to return it.

The company has paid it.

I asked if I paid it, the company paid it, and the insurance was paid for two years, and I said that I would return a few hundred, and I was even more interested.