Critical illness insurance demand analysis, the scope of coverage of critical illness insurance

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 purchased critical illness insurance and meet the conditions for claims, you can get the payment from the insurance company, on the one hand, you do not need to pay the medical expenses in advance after your illness, and more importantly, it reduces the burden of personal medical expenses.

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Hello, the key to the choice of critical illness insurance is to choose according to your actual protection needs and the actual analysis and selection of the specific insurance situation, and the suitable insurance type is the best insurance type. Here, it is recommended that you choose an insurance company based on its actual situation, including age, occupation, physical health, etc., or you can refer to this link: (Which is better critical illness insurance).

Hello, glad to answer for you! There are generally three types of critical illness insurance products on the market, consumption-based critical illness insurance, savings critical illness insurance, and return-based critical illness insurance. There are three types of critical illness insurance, and the differences are as follows:

Consumer-based critical illness insurance is a critical illness insurance that does not include death benefit, while savings insurance is a whole life critical illness insurance that includes death benefit, while a returnable type is a critical illness insurance that includes a premium return at maturity. The savings type is a protected illness that will be compensated, and it will also be compensated if it unfortunately dies during the period; The return type is simpler, and the insurance period will pay for the illness that is covered by the insurance, and if there is no insurance during the insurance period, the money will be returned during the insurance period. 2. Which is better to insure critical illness insurance?

The three types of critical illness insurance, namely return, savings and consumption, have their own advantages, and which one is better depends mainly on the risk preference of the insured. The product form of return-type critical illness insurance is critical illness insurance plus comprehensive life insurance, so the insurance rate will be relatively higher than that of the other two types of critical illness insurance, and the leverage of insurance is relatively weak. Savings critical illness insurance, on the other hand, is relatively comprehensive in terms of protection content, because it contains death protection, so savings critical illness insurance can be said to be a must-pay critical illness insurance; Savings critical illness insurance is usually lower than returnable critical illness insurance in terms of the Fab big tease rate.

In the case of consumer-based critical illness insurance, the insurance rate is the lowest among the three types of critical illness insurance, and the insurance leverage is strong. However, the type of insurance is not comprehensive enough, and the insured may not be able to receive the insurance payment. <>

What illnesses are covered by critical illness insurance? Among them, there are 6 core diseases that must be covered, namely malignant tumors, acute myocardial infarction, stroke and sequelae, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, and end-stage renal disease. There are 19 diseases to choose from

Multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver failure, sequelae of encephalitis or meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe third-degree burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery. For the other 19 illnesses that are not covered by the 6 types of insured diseases, the insurance company can choose to cover them according to the specific situation of the company.

Generally, it covers critical illness, mild illness and death.

Different types of insurance, different types of diseases, each contract has a detailed introduction to the disease.

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. The best insurance product is the one that suits you, not the best with the most comprehensive protection.

What is consumer-based critical illness insurance?

Consumer-based critical illness insurance refers to critical illness insurance that only has critical illness protection but no investment and financial management skills, and its advantage is that the premium is affordable and the critical illness protection provided is real. Here are a few things you need to pay attention to before you apply for insurance:

1. Choose a financially sound and strong insurance company. Customers can understand the solvency of insurance companies based on the evaluation results of insurance companies by authoritative rating agencies, annual reports and announcements of major events published by insurance companies.

2. Understand the types of serious diseases that can be compensated. Critical illness insurance does not cover all illnesses, and only those who suffer from a critical illness specified in the contract can receive the compensation agreed in the contract.

3. The policyholder must be insured for threatening diseases, rather than blindly insured, and needs to choose according to your age and needs.

4. When applying for critical illness insurance, you should pay attention to truthfully informing the insurance company of your medical history.

5. Economic affordability. At present, a standard critical illness insurance is relatively expensive in the market, and it should be considered according to the family's financial income. Before applying for consumer-based critical illness insurance, you should understand its concept, and you can get at least 15% of the ** discount when applying online, and not only the premium is affordable through the purchase, but also the whole process of assisting in the claim settlement service in the later stage.

Public white-collar health series protection content: * accidental death, disability, burns, medical treatment, hospitalization allowance, critical illness insurance benefit, public transportation accident as low as: 350 yuan, Hezhong regular critical illness protection content:

You can choose up to 300,000 yuan of critical illness cancer benefit*300,000 yuan of insurance benefit will be paid immediately upon death*Total disability waiver, and the minimum monthly cost of protection is 20 yuan.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid these of the key pure family insurance"pits"

It is everyone's wish to be disease-free, but bad lifestyle habits and unforeseen risks always bring harm to people's health. The advent of major diseases will undoubtedly bring huge economic pressure to people's lives. So now many people have understood that to share the risk through the insurance company, buying critical illness insurance is a good choice.

However, many consumers don't know much about critical illness insurance, so let's introduce its advantages. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

Ranking of the top 10 insurance companies in the country.

Discuss the advantages of critical illness insurance in detail

Among the many types of insurance, critical illness insurance cannot be ignored, which is important mainly because it has advantages that other insurance does not have.

Advantage 1: Able to resist risks

According to the latest data, seven people in our country are suffering from cancer every minute. At present, the average medical cost of cancer ranges from hundreds of thousands of yuan to hundreds of thousands of yuan, not including postoperative recovery**, nutrition costs, nursing fees, etc. So, what do people rely on to protect themselves from this sudden risk?

Critical illness insurance is, in short, an insurance product that uses illness as a condition for the payment of insurance benefits. The benefits paid by critical illness insurance are used for two main purposes: one is to pay for the insured person's high medical expenses due to illness, disease state or surgery**; The second is to provide financial security for the insured after illness, so as to avoid the financial difficulties of the insured family.

Advantage 2: It can be diagnosed and paid

Unlike other health insurance insurance, if you purchase critical illness insurance, the insurance company will pay a lump sum compensation as long as the diagnosed disease is covered by the insurance policy. On the one hand, people do not need to pay for medical expenses after illness, and on the other hand, it reduces the burden of medical expenses on families.

Advantage 3: It can be used for special purposes

Most modern people will take precautions and save funds for their children's education, pension funds for themselves, and medical funds for their families. However, the money can easily be diverted for other purposes. Once the payment begins, the payment can only be used as a special fund for the disease, so as to ensure that the insured has sufficient funds to accept when he or she suffers from a major illness in the future.

What is the best coverage for children's critical illness insurance? Which ones are cost-effective? Which one is the best to buy?

Let's take a look at the inventory of the top 10 insurance companies' best-selling children's critical illness insurance.

Therefore, it is necessary to purchase a critical illness insurance for yourself and your family if the financial conditions allow.

We all want ourselves and our families to be well, but now many diseases have a tendency to be younger, which makes it difficult to prevent them. Nowadays, there are many kinds of critical illness insurance on the market, and the scope of each type of protection is not the same, some have a single coverage, and some are more comprehensive. Choosing a critical illness insurance product with the most comprehensive coverage is what many people want, so what is the most comprehensive critical illness insurance product?

Let's follow me to find out!

What is the most comprehensive Critical Illness Protector product?

At present, critical illness medical insurance will start with the coverage of diseases with a heavier burden on the individual. If you purchase commercial critical illness insurance, if you have a large medical expense, you can quickly solve it, but it has made stricter regulations on the type and extent of critical illness, and if the illness is not within the scope of the serious illness listed in the contract, you will not be able to get compensation. Among the diseases included in the critical illness medical insurance, severe mental illness, multidrug-resistant pulmonary knots, hemophilia, type diabetes, hyperthyroidism, cleft lip and palate and other major diseases will hardly appear in the list of major diseases of commercial insurance, but they may also require large medical expenses, and it is inevitable to use drugs that are not covered by basic social insurance such as self-financed drugs and imported drugs.

For critical illness insurance, the focus of the protection of various products on the market is not the same, many consumers want to buy the most comprehensive insurance products, here I recommend China Merchants Cigna's Anxiang Health critical illness insurance products, this product has the following product features: For the strategy of medical insurance reimbursement, I just sorted out the relevant content, I hope it will be helpful to you: how to use social security medical insurance?

One article teaches you the reimbursement process!

1. As many as 105 kinds of diseases, with a wide range of coverage, can give the most comprehensive protection to the insured. Covering 65 major illnesses and serious illnesses, it will be paid immediately after diagnosis, and there is no conflict with social security; 35 specific diseases, carcinoma-in-situ and early liver cirrhosis can be compensated, and there is no need to wait until Sun is seriously ill to make a claim; An additional 5 child-specific diseases are included. What is the best coverage for children's critical illness insurance?

Which ones are cost-effective? Which one is the best to buy? Let's take a look at the inventory of the top 10 insurance companies that sell children's serious illness and critical illness insurance.

2. In the unfortunate event that the insured suffers from 65 major illnesses, dies or the insured suffers from 35 early serious illnesses, serious illnesses and minor illnesses, the remaining premiums can be waived and the protection liability is still valid.

3. If you unfortunately die due to illness or accidental injury during the validity period of the insurance, you can get the death insurance benefit.

4. Provide customers with additional serious illness butler services. There will be a complete solution for serious illnesses and critical illnesses to provide customers, and from the moment the customer calls customer service, there will be dedicated personnel to coordinate and arrange expert outpatient diagnosis and treatment, hospitalization for surgery**, and actively follow up on claim needs.

5. The maximum premium will be refunded to the customer at the end of the term. Even if there are claims for children and specific diseases, there will still be a survival benefit at the end of the term.

6. The payment method of this product is flexible and the guarantee period is relatively long. 10 years of payment can guarantee 20 years; Or pay a premium for annual coverage until the age of 80, and the policyholder can choose freely.