What should I do if I have a mild and critical illness within 180 days of major illness insurance?

This depends on the waiting period for the critical illness insurance you purchase and whether it has mild illness coverage. If you have a disease that has passed the waiting period and you are eligible for compensation, then you can apply for a claim from the insurance company; If you have an illness that is still within the waiting period, it is usually the insurance company that refunds the premium you paid, thus terminating the contract. Or a more lenient critical illness insurance, which generally ends when the mild illness benefit ends and the contract continues to be valid.

The general waiting period for critical illness insurance is 90-180 days, so most of the illnesses that occur during the waiting period are not claimed. For details, please see this article: The insurance company will not pay for the insurance during the waiting period?

If you don't understand, you'll suffer a big loss!

When we choose critical illness insurance, we try to choose some products with a relatively short waiting period, so that we can quickly protect ourselves and reduce the situation of not making a claim for illness during the waiting period. In addition, you also need to pay attention to whether you have mild or moderate illness coverage, if you do not have mild to moderate illness coverage, then even if you suffer from mild to moderate illness, you will not be able to get a claim or have very few claims. So in addition to these, what are the aspects that a good critical illness insurance should pay attention to?

If you have an illness that has already passed the waiting period and is eligible for compensation, then don't worry, just prepare your claim documents and apply to the insurance company for a claim. It is not difficult to prepare the claim information, which is generally the contract, identity document, disease diagnosis certificate, examination report and other certificates that can confirm the nature, cause, and degree of injury of the insured accident, so what should be paid attention to in the claim? See this article:

What are the general claim information? Details determine the success or failure of a claim!

1. Hello, if the observation period of the critical illness insurance you buy is 180 days of critical illness, if the liability for minor illness or critical illness occurs during the observation period, the general insurance company will refund the premium without interest and the insurance contract will be terminated.

2. It is recommended to choose critical illness insurance with a short observation period when applying for insurance, such as Huaxia's healthy life, Tian'an's healthy life, the Great Wall's healthy life, etc., the observation period is 90 days, 3. If you need a good product, you can use insurance broker Wang Qin to learn detailed product information.

This depends on how long the waiting period of the critical illness insurance purchased is, and whether it contains mild illness protection, if the waiting period has passed, and the disease is eligible for claims, then you can get the mild illness insurance benefit; If there is still a waiting period, then the insurance company usually refunds the premium paid and the contract is terminated.

This is a consumption-based critical illness insurance, and you pay for one year and cover it for one year.

Although there is a waiting period of 180 days, it is only the first year of insurance, and normally you will not only buy it for one year, and then renew it every year, so there is no waiting period.

Critical illness insurance has a waiting period, usually 30 days, 90 days or 180 days, after which the insured is diagnosed with a covered disease for the first time, and the insurance company needs to pay the insurance benefits according to the contract. However, if the insured person does not tell the truth about his health condition, and there is a suspicion of applying for pure insurance with illness, the insurance company will not pay the claim even after the 180-day waiting period. It can be seen that it is very important to insure the health notice of critical illness insurance, and the shorter the waiting period, the better, and it is best not to see a doctor or have a physical examination during the waiting period.

Ping An is 90 days I know a lot of insurance companies are 180 days.

Ping An claims are reported within 72 hours in three days, and within 24 hours and 48 hours for other companies.

Earlier this was decided by the insurance companies themselves. Later, the China Insurance Regulatory Commission required that the waiting period for critical illness insurance was 180 days, but the waiting period for critical illness insurance introduced at that time was 90 days, which remained unchanged.

First of all, look at the purpose of the waiting period, the waiting period is to prevent the occurrence of some people's diseases There is a certain incubation period, and these people deceive the insurance company to take sick insurance for the sake of insurance money without making advance preparations, resulting in compensation as soon as the insurance is purchased, so that the insurance company bears too much risk. This is unfair to people who are normally insured. In order to prevent this, a waiting period is set, and during the waiting period, if these diseases with an incubation period are agreed in the contract, it proves that you are insured with a sick disease, and the insurance company is not responsible.

If the illness occurs after the waiting period, the insurance company will assume that you are not insured with a sick condition and will be liable. This situation was avoided. The longer the waiting period, the better it is for the insurance company, and the shorter the waiting period, the better for the policyholder.

As for the length of the waiting period, this is judged by the insurance company based on its own research ability and risk-bearing ability. Of course, there is another factor that attracts customers.

This may be due to the company's ability to take risks, and the longer the waiting period, the lower the risk of reverse insurance.

More than 90 days are additional insurance, more than 180 days are main insurance, and the products are different, and the company has competition!

In the event of an illness during the waiting period, the insurance will not cover the claim. For a period of time after the effective date of the insurance policy, if the insured incurs medical expenses due to illness or causes a decrease in income, the insurer is not responsible for compensation, usually the premium paid is refunded without interest, and the contract is terminated, and it is useless.

Generally, in critical illness insurance, the observation period is generally 90 days, 180 days, and one year. The insurance waiting period, also known as the observation period or exemption period, is during which the beneficiary cannot receive insurance compensation even in the event of an accident.

It is the worst thing to buy insurance and suddenly get sick and not get compensation, so you must pay attention to these when applying for insurance: first, health insurance is best purchased as early as possible when you are in good health; In addition, there are clear "waiting period" days in the health insurance contract, in addition to paying attention to the scope of diseases covered and the terms of claims when purchasing insurance, it is recommended to compare the waiting period of different products, in general, the shorter the waiting period, the more beneficial it is for the insured.

Hello, there is a waiting period for critical illness insurance, and after the waiting period, the critical illness within the scope of the contract is paid, such as Ping An Insurance, the waiting period for critical illness insurance is 90 days, and the waiting period for other insurance companies is 180 days or one year.

Nowadays, there are many insurance frauds, please beware of insurance fraud.

Insurance parents' hearts, pure bullshit.

Don't worry about no money, rich will always pester you.

It is difficult to settle claims, and it is urgent to urge money.

deceived and deceived, there is no way to sue.

I bought insurance in love, and I was depressed afterwards.

The terms of the contract are purely for playing the game.

Serious illness to save death, dividends defraud you.

Marketing is fraudulent, and everyone should be vigilant.

Worry-free term critical illness insurance can be said to be very popular on the Internet, I heard that the cost performance is very high, and many friends are asking whether the cost performance of worry-free term critical illness insurance is really so high? Is it really worth buying?

"Worry-free Term Critical Illness Insurance is exaggerated? Really? 》

1. How does the Worry-Free Term Critical Illness Insurance cover?

Let's first take a look at the product protection chart of Worry-Free Term Critical Illness Insurance:

1. There is no protection for mild to moderate illness

CareFree Term Critical Illness Insurance only covers critical illnesses and does not cover mild or moderate illnesses.

Critical illness insurance must cover critical illness, mild illness, and moderate illness.

The claim standard and payout ratio of mild illness protection are lower than those of major illness protection, and the same is true for moderate illness.

Although the type of illness is in accordance with the provisions of the contract, the degree of illness is not enough to meet the criteria for compensation.

Life will still be disturbed by the pain, and at the same time, it will take money to cure the pain, and the mild disease is not a small disease, like the cost of mild disease in the tens of thousands of yuan, in addition to spending money, it also disturbs the rhythm of life, **, ** period can not go to work, there is no income.

As a result of this condition, when compensation is needed, mild to moderate symptoms come into play.

Moreover, the Worry-Free Term Critical Illness Insurance only provides critical illness coverage and does not include important mild and moderate illness coverage, which is really not comprehensive.

2. There is no additional compensation protection

Worry-Free Term Critical Illness Insurance provides 100% of the sum assured for critical illness without additional benefits. Type racket.

Nowadays, many critical illness insurance products will set up additional benefits, similar to if you suffer from a critical illness before the age of 60, then an additional 60% of the sum insured will be paid.

Extra compensation can bring a lot of hope to the family, and before the age of 60 we need to take on family responsibilities and face the problems of housing loans, car loans, child support, and parental support.

At this age, if you fall ill, you need more powerful protection to withstand it.

However, the term critical illness insurance does not cover additional benefits for critical illness, and the protection level is average.

For example, Versailles Plus Critical Illness Insurance, if a critical illness occurs before the age of 60, an additional 80% of the sum insured can generally be doubled, and the protection is strong.

"Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying! 》

2. Is it worth buying Worry-Free Term Critical Illness Insurance?

Generally speaking, the cost performance of Worry-Free Term Critical Illness Insurance is not high, and the protection is lacking, so it is not worth buying.

For those who pursue insurance with more comprehensive protection and more practicality, the senior sister still recommends comparing other products. Senior sister has sorted out a lot of value-for-money and well-protected critical illness insurance, which you can buy here on the best terms:

"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

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I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.