What are the procedures for Ping An Insurance s early payment of serious illness?

The claim profile is basically the same for all companies. Original policy. The last instalment invoice.

ID card of the insured, household registration book for those under the age of 18. Applicant Account. The applicant writes about the insured's illness.

Proof of diagnosis. Hospitalization invoices. Full set of medical records.

Examination reports and orders, care records, or temperature charts. After the medical record is copied, the hospital stamps. A list of drug costs.

If the invoice is a photocopy, it must be covered with medical insurance, stamped with insurance, and the original must be indicated to retain the medical insurance.

With the doctor's certificate, bring the insured's ID card and bank card to the counter (it is better to bring the policy), if the insured is underage, the insured's ID card and bank card, and the insured's household registration book.

Only the diagnosis certificate of the tertiary hospital, and the payment invoice of the insurance contract insured's ID card for the current year are required.

As long as the doctor confirms the diagnosis and has a certificate of diagnosis issued by the doctor, it can be paid in advance.

All you need to do is the ID card, bank card and medical certificate of the insured.

The doctor's diagnosis certificate at or above the county level, my ID card, my bank card, and the contract should be handled at the counter together.

As long as the doctor's certificate, the insured's ID card, the policyholder's ID card, and bank card, you can make a claim.

Look at the contract, early payment is not all given in advance, most companies are misleading, except for cancer, everything else has to be a case, the case has to be discharged from the hospital, and the compensation is determined only after 180 days of stroke.

Hello! As long as the diagnosis is confirmed by a Class A doctor and a certificate is issued, it can be paid in advance.

A certificate of diagnosis and a case report are sufficient.

As long as the doctor's diagnosis is confirmed, the pathology report can be paid in advance.

Hospital Certificate, Insured Person's ID Card, Bank Card.

Doctor's certificate from the designated hospital.

Just a doctor's medical certificate.

Look at the back of the contract, there should be the information required for the claim, which is indicated.

After the waiting period, the critical illness benefit will be paid after diagnosis.

Yes, all critical illness insurance policies currently available in the market will be paid out in advance.

Before we can understand insurance products, we need to have a basic understanding of the classification of insurance products. At present, the mainstream insurance products on the market generally include critical illness insurance and medical insurance, medical insurance is mainly used for some mild illnesses whose medical costs are not particularly high, and critical illness insurance is for severe illness. Strictly speaking, everyone has a certain demand for critical illness insurance, so we need to allocate a considerable proportion of critical illness insurance according to our actual situation, which can significantly improve our ability to resist risks.

1. All critical illness insurance will be paid in advance. 2. Critical illness insurance is a one-time insurance payment. 3. Everyone has a certain demand for critical illness insurance.

To sum up, critical illness insurance in the insurance will be paid in advance.

No, unless you have a critical illness and the hospital issues a certificate, you will go to the insurance company with the relevant vouchers to handle it, and you will pay for yourself, and there is definitely no way for it to take effect without a critical illness.

Critical illness insurance can be paid in advance. Because when you have a major illness, you need to pay **, and it is normal to pay in advance.

Yes, all critical illness insurance in the market is paid in advance, which also effectively alleviates some of our financial pressure.

Advance payment of critical illness insurance means that if the insured person has an illness as agreed in the insurance contract, he or she can pay the insurance money in advance for medical and surgical expenses. In fact, all critical illness insurance on the market is paid in advance, as long as the insured suffers from the contracted illness and meets the conditions for claims, then a lump sum of insurance can be claimed, which is also called fixed payment insurance.

In addition, there is also a type of insurance called reimbursement insurance, for example, medical insurance is reimbursement, which is not a one-time payment of insurance money after the insured is sick, but a reimbursement of medical expenses within the scope of protection that the insured has incurred, and most of them have deductibles or reimbursement ratio restrictions.

Since critical illness is very harmful to people, in order to effectively prevent risks, many people will consider paying critical illness insurance in advance. It is reported that this type of insurance belongs to a supplementary insurance, which is generally attached to whole life insurance or both-life insurance, as long as consumers buy the main insurance and attach the insurance, the insurance company will pay a certain amount of insurance money in advance after the accident.

Early payment critical illness insurance is generally in the form of a rider attached to whole life insurance or dual life insurance, and another name is also called "dignity of life benefit". That is to say, after you purchase commercial insurance and attach a critical illness to pay in advance, the hospital diagnoses that you have committed a critical illness, then the insurance company fulfills the relevant obligations and pays you the corresponding insurance amount, and generally suffers from a critical illness, after paying the corresponding sum insured, the death sum insured and the maturity payment are reduced by the same amount.

Further information: For example, if the sum insured of the main insurance life insurance is 200,000 yuan, and the insured amount of the critical illness insurance is paid in advance 50% of the death sum insured of the main insurance, then 100,000 yuan will be paid in the event of critical illness, and another 100,000 yuan will be deducted after death. In essence, the early payment of critical illness insurance is to advance the insurance benefits paid before death to the time of critical illness, to solve the urgent need of customers for medical expenses, is the insurer's humanized approach, because it occupies the sum insured of the main insurance, so the rate of early payment of critical illness is generally lower.

Generally speaking, the prepayment of critical illness insurance is attached to the whole life insurance or both-life insurance, and after the consumer attaches this type of insurance, if a critical illness within the scope of protection occurs, the insurance company will pay the amount in advance according to the contract, thus solving the customer's urgent needs. However, once the payment is made, the death benefit and maturity payment you will receive in the future will be reduced accordingly.

Critical illness insurance, that is, if you unfortunately suffer from an illness specified in the contract, you can pay a sum of discretionary money, and you can do whatever you like with it.

Critical illness insurance is paid in advance, i.e. critical illness insurance is added to the main life insurance as a supplementary insuranceCritical illness insurance and life insurance share the sum insuredTherefore, after suffering from a critical illness, the compensation is called early payment.

If you don't understand the difference between life insurance and critical illness insurance, see here:

What is the difference between critical illness insurance and life insurance? Will there be a conflict when making a claim?

If it is for the protection of critical illness, it is recommended to consider purchasing a separate critical illness insurance, which has good coverage and is cost-effectiveTop 10 Cheap and High-quality Critical Illness Insurance!

If you want to protect your family's living and other larger expenses after death, you should consider term life insurance, which is cheap and simple. For product selection, please refer to:Top 10 Life Insurance Worth Buying!

Early payment means that if the insured suffers from the critical illness listed in the policy, the insurer can pay the critical illness insurance benefit in advance according to a certain proportion of the death sum insured for medical or surgical expenses and other expenses, and the deceased beneficiary will receive the remaining part of the death insurance benefit at the time of death. Regarding critical illness insurance products, Daddy has compiled some: 10 consumer-based critical illness insurance reviews:

There's always one to hit you

Early payment usually occurs with whole life or term insurance as the main insurance, and critical illness insurance as the main insurance.

Early Payment for Critical Illness:

According to the provisions of the insurance contract, after the critical illness insurance is paid in advance, the amount of death insurance will be reduced by the same amount.

Early payment for mild illnesses:

These provisions of the insurance contract provide coverage for diseases that have not yet reached the critical illness, that is, minor diseases or specific diseases, such as carcinoma in situ. Under the agreement of early payment for minor illness, the sum insured of the critical illness insurance benefit and the minor illness insurance benefit are shared.

Additional benefits for minor illnesses:

According to the provisions of the insurance company's additional payment, the minor illness insurance benefit and the critical illness insurance benefit are independent, and the minor illness insurance benefit does not occupy the insured amount of the critical illness insurance benefit itself.

This kind of life insurance main insurance + additional critical illness buying method must complement each other, and sometimes even drag each other down. If you want to have critical illness protection and life insurance protection at the same time, you can buy life insurance and critical illness insurance separately, which will be more cost-effective.

Early payment critical illness insurance is what it means:

The insurance product you buy is like this: A [Main Insurance] + B [Critical Illness Insurance] If the sum insured of A is 1 million and the sum insured of B is 500,000, when the insured has a critical illness agreed in the contract for the first time, the insurance company will pay 500,000 yuan, but the sum insured of A becomes 500,000 yuan.

The official expression is:

Early payment critical illness insurance refers to the "early" payment of all or part of the death sum assured of the main insurance policy after the critical illness listed in the clause, and the sum assured of the main insurance is reduced accordingly.

Therefore, before you buy, you should have an expectation and choose a specific insurance product wisely.

The so-called "critical illness early payment" refers to the additional insurance attached to the main insurance in commercial insurance, and the other name is also called "life dignity payment". That is to say, 90 days after you purchase commercial insurance with an additional critical illness payment, the hospital diagnoses that you have committed a critical illness, then the insurance company will fulfill the relevant obligations and pay you the insurance amount. You can use the money you pay to go to the doctor, or you can leave it alone and use it yourself.

For example, if you buy this insurance with an insurance amount of 100,000 yuan, and you are diagnosed with a critical illness after 90 days, then you ask your salesman to pick up the relevant information, and the insurance company will pay you 100,000 yuan. This money will usually be credited to your payment card within 3 days (Ping An is like this).

In addition, there are many types of critical diseases, such as all malignant tumors, and high-grade disability awaits.

That is, after the hospital is diagnosed, the insurance company can pay a certain amount of insurance money in advance according to a certain accounting standard, so as to facilitate the policyholder's **, and this money will be deducted when you are discharged from the hospital to liquidate the insurance money.

Another common one is the reimbursement of hospitalization expenses in the later stage, which means that the policyholder first pays for the doctor by himself, and when it is over, after being discharged, he will take the discharge summary and expense list to the insurance company for compensation.

What does it mean to pay out critical illness insurance in advance?

What I understand is that it is with the main insurance, as long as the insured amount of the main insurance is paid for a critical illness, the main contract will be terminated at the same time.

Generally, there is a supplementary insurance behind the main insurance, which is related to the protection amount of the main insurance (for example, the main insurance is 10w), and the protection is guaranteed until the insured (that is, who is insured) will be paid at the age of 80 (the money can only be received at the age of 80).

Suppose that the person has a serious illness at the age of 60. So according to the agreement, at this time, the amount of 10w will have to be paid, isn't it not yet 80 years old as stated in the contract? So it's paid in advance. But the main insurance was terminated.

The most important thing is to read the terms of the main insurance, because I don't know the type of insurance and the specific terms, so I can only explain it roughly.

This concept needs to be clarified.

"Critical illness early payment" is not relative to the "after-the-fact reimbursement" of medical insurance, but is said to be for "additional payment".

Early payment critical illness is usually offered as an add-on to a primary insurance such as life insurance (term or whole life) or endowment insurance.

According to the above contract, if a critical illness is suffered during the coverage period and the terms and conditions are met, the insurance company will pay a claim, and the sum insured of the main insurance will be reduced by the same amount. To put it simply, it is to advance the amount that should have been paid at the time of death, and pay it when the risk of critical illness occurs. Examples:

If the sum insured of the main insurance life insurance is 500,000 plus 300,000 yuan for an early payment critical illness, and the eligible claim is 300,000 yuan, then the compensation amount at the time of death is 50-30 = 200,000 yuan. If the sum insured of the main insurance life insurance is 500,000 plus 500,000 yuan for an early payment critical illness, and the eligible claim is 500,000 yuan, then the compensation amount at the time of death is 50-50=0. Termination of Contract.

The additional benefit means that the rider does not count towards the sum insured of the main policy. It often occurs in the scenario that the additional payment of minor illness of mainland insurance does not occupy the sum insured for critical illness.

Which is better or worse, the landlord decides for himself.

Early payment critical illness insurance refers to the additional insurance in commercial insurance that is added to the main insurance. That is to say, after 90 days after purchasing commercial insurance and attaching advanced payment for critical illness, once diagnosed with a critical illness by the hospital, the insurance company can fulfill the relevant obligations and pay a certain amount of insurance to the insurer.

Early payment critical illness insurance cannot be purchased as a primary insurance, but is generally purchased as a primary add-on insurance. Many people will have a misunderstanding when they see the early payment of critical illness insurance, and the advance here does not refer to the payment of the claim in advance, but relative to the advance of the protection responsibility in the main insurance. If the insured suffers from a critical illness specified in the insurance contract and applies for a claim, the insurance company will pay the insured amount in advance, so as to reduce the financial burden of the insured due to the illness and better accept**.

Other insurance questions can be consulted.

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