I want to buy a cancer insurance policy, is there a suitable recommendation?

Hello, at present, the cancer insurance on the market is divided into consumer cancer insurance and return cancer insurance, the consumer cancer insurance is more suitable for people with low premium budget and pay attention to the protection function, while the return cancer insurance has the function of saving, the general premium is relatively high, and the insurance period is relatively long. If you are over 35 years old or even older, have good economic conditions and pay more attention to the savings function, you can choose the return type. You can compare and choose insurance companies according to your actual situation, or you can also refer to this link.

How to buy cancer insurance).

China Life cancer insurance is good.

There are still many ways to purchase cancer insurance, cancer insurance is a type of insurance developed by insurance companies specifically for malignant tumor protection, and it is particularly important for specific groups of people in the face of the increasing incidence of malignant tumors. If you can't afford critical illness insurance, cancer insurance is also a good choice. As for whether to buy it separately, it depends on the specific situation.

Cancer Insurance: It is equivalent to a reduced version of critical illness insurance, which only covers cancer. Cancer insurance only covers cancer, the health notice is more relaxed, and the three highs can be invested, and the insurance age is wider, 50-80 can be invested.

>>>Hongkang loves worry-free - cancer insurance that can be bought if you have cancer?

Depending on the payment method, there are two types of cancer insurance: fixed amount cancer insurance (generally referred to as "cancer insurance") and cancer medical insurance.

The function of fixed-amount cancer insurance can be compared to critical illness insurance, and the protection period is subject to the time agreed at the time of application, and the annual premium is constant, but it is more expensive than cancer prevention medical insurance. Like critical illness insurance, fixed amount cancer insurance is used for economic compensation, as long as the diagnosis will be paid, this money will be paid according to the amount agreed upon in the original insurance, 200,000 will be paid 200,000, and it is not based on ** expenses, and at the same time, how to use this money The insurance company will not ask.

Cancer prevention medical insurance, benchmarked against millions of medical insurance, is equivalent to millions of medical insurance that only covers cancer, with a coverage period of 1 year, and there are risks such as non-renewal and increased premiums in the future.

Demand groups for cancer insurance:

If you have purchased critical illness insurance and want to increase your protection against cancer; Cancer insurance can be purchased as a supplement. Nowadays, the rate of cancer is increasing, and the cancer insurance** is relatively low, and the premium burden is smaller.

Critical illness insurance and cancer insurance have different emphasis on the health requirements of the policyholder; If you have certain diseases such as cardiovascular and cerebrovascular diseases, and diabetic arthritis do not meet the insurance requirements of critical illness insurance, you can consider cancer insurance.

It is not suitable to purchase critical illness insurance due to age restrictions; Critical illness insurance** is high and the insurance leverage is relatively low. Moreover, the upper age limit of critical illness insurance in the market is 55 or 60 years old, after which it cannot be insured. There are many products specifically for middle-aged and elderly people who can be insured at the age of 60.

People with a family history of cancer or at high risk of cancer; When configuring insurance, you should focus on cancer protection.

Cancer insurance is a type of insurance developed by insurance companies specifically for malignant tumor protection, which is particularly important for specific groups of people in the face of the increasing incidence of malignant tumors.

If you can't afford critical illness insurance, cancer insurance is also a good choice. How to buy cancer insurance see here: "Parents' cancer insurance is bought like this, the most careful, don't forget to pay attention to these points".

Most of the cancer insurance is purchased for the elderly, but in fact, cancer insurance is not only available for the elderly. Because cancer insurance underwriting is loose and the premium is relatively cheap, many people who want to increase the amount of cancer insurance can also choose cancer insurance, or those who have some diseases and are not suitable for buying critical illness insurance can also choose cancer insurance. Today, let's take a look at who is suitable for cancer insurance and which ones are good.

If you don't know about cancer insurance, you can take a look at this article first:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

Cancer insuranceYes, it belongs to critical illness insurance, and the payment method isLump sum paymentCancer medical insuranceIt is a medical insurance, and the payment method isReimbursement. They are all aimed atCancerCompensation is made, and health notice is relativeLoose, even if you have three highs and diabetes, you can also be insured.

The issue age is also more relaxed, and the maximum issue age is OKRelaxed up to 75 years old。And ** is also relativeCheapSome, as low as a few hundred dollars.

The following is a brief introduction to two cancer insurance productsGood medical insurance, cancer prevention medical insurancewithMiddle-aged and elderly cancer prevention medical insurance

1) There is one on AlipayLifetime cancer medical insurance, every year4 million reimbursement amountThe amount of insurance is sufficient, the value-added services are also very humane, the green pass for medical treatment, expert outpatient clinics, special accompaniment, advance payment, etc., can make patients see the doctor as soon as possible, which is still very good.

Don't worry about renewing your policy, andYou can also continue to enjoy the protection when you stop selling

Are there any pits? You'll know after reading it.

The above is just an example analysis, and the specific product to choose depends on which product is most suitable for your needs.

If you buy cancer insurance for your parents, you can consider informing you of the cancer prevention insurance (payment type) and cancer prevention medical insurance (reimbursement type) that are relaxed and have a wide range of insurance ages, which will be relatively more relaxed for consumers' health and age requirements, and generally not high.

Cost-effective:Sunshine Shennong's cancer prevention medical treatment has complete coverage, including cancer exemption, cancer diagnosis fund of 10,000 yuan, anti-cancer special drug insurance, and the renewal conditions and rates have crushed the good medical insurance cancer prevention medical insurance.

Excellent renewal conditions:Sunshine Shennong Cancer Prevention Medical, PICC Health and Good Medical Insurance Cancer Prevention Medical, guaranteed renewal for 6 years.

Flexible underwriting:If the health notification of Ping An Health-Anti-Cancer Guardian 2020 and Sunshine Shennong Anti-Cancer Medical is not passed, you can try intelligent underwriting and manual underwriting, and there is a chance that the insurance will be based on the standard.

The health notice of cancer prevention insurance is relaxed, and people with cardiovascular and cerebrovascular and diabetic diseases have the opportunity to apply for insurance according to the standard. But theseParents' cancer insurance is the most distracting to buy in this way, don't forget to pay attention to these pointsBe sure to pay attention!

The health notice of cancer prevention insurance in commercial insurance is quite relaxed, and chronic diseases such as hypertension, diabetes, and coronary heart disease can be insured. Moreover, considering the high chance of cancer and the long cycle, it is very difficult to get insurance that can continue to protect you if you have cancer.

Recommendation 1: Ping An Anti-Cancer Guardian 2018 Edition.

The biggest highlight: cancer can continue.

You can first take a look at a comparison between the peace of mind and life that is also cancer insurance and the 2018 version of Ping An Anti-Cancer Guard:

The 2018 version of Ping An Anti-Cancer Guard has a high coverage limit of 2 million, and its renewal rules are very unique: if the product is not discontinued, the policy can be renewed if the diagnosis of malignant tumors is not discontinued; Even if the product is discontinued, it can still cover the medical expenses of cancer for 1 year from the date of diagnosis. Therefore, the ability to continue to apply for insurance even if you have cancer is the biggest "highlight" of the 2018 version of Ping An Anti-Cancer Guard.

If you suffer from cancer, then it will be a long process, will not be achieved overnight, if the insurance product purchased at the critical time is "not powerful" or "directly due to run away", then the patient's psychology will also suffer a lot of blows. And the 1-year product will be more or less at risk of being discontinued. However, Xintai i-Cube Malignant Tumor Disease Insurance is based on long-term protection and can be insured for life, which solves the pain point of "insufficient stability" of one-year cancer prevention insurance.

Recommendation 2: Xintai I Cube Malignant Tumor Disease Insurance.

Best Feature: Up to 3 claims, covering cancer over 6 years**.

Xintai i-Cube Malignant Tumor Disease Insurance is a benefit-type malignant tumor insurance.

According to the current situation of malignant tumors, the survival time of patients has become longer, the survival rate is high, and the metastasis is high, and some innovative designs have been carried out. Xintai i-Cube Malignant Tumor Disease Insurance can pay up to 3 times, with a maximum of 300,000 yuan each time, that is, a cumulative 900,000 yuan (but the compensation cannot be carried out consecutively, and there must be a 3-year time gap between the two claims).

Xintai i Cube, which can be paid upon diagnosis and waives the remaining premiums, is designed to not only meet the cyclical characteristics of cancer**, but also reflect the people-oriented.

However, because critical illness insurance is mixed with the protection responsibility of other diseases, it cannot be the lowest in terms of **. Compared with critical illness insurance, Cindat iCube's protection liability design is more specific, which means that customers can get the most cost-effective protection with less premium.

If you have enough budget, it is recommended that you opt for long-term lifetime coverage.

"What are the [old people's insurance] and what insurance is good for your parents, you need to know these things"., Interested friends hurry up and come in and have a look!

Cancer insurance, as the name suggests, is insurance that specifically covers cancer. It is generally aimed at older people, especially the elderly. At present, there are relatively few health insurance for the elderly, so cancer insurance is a good health insurance, and it is the best choice for the elderly over 60 years old.

Cancer insurance is divided into the following types according to the duration of coverage:

1.One-year cancer insurance. This type of insurance is only guaranteed for one year, and it will be renewed when it expires, the premium is proportional to age, and there is a risk of discontinuation, which is not cost-effective, so it is not recommended for everyone to choose.

2.Regular cancer insurance. The protection is a fixed number of years or a fixed age, almost all of them are consumer insurance, ** is also very friendly, and the average family tends to buy this kind of cancer insurance product.

3.Lifetime cancer insurance. Lifetime cancer insurance generally includes death liability, even if you don't get sick, you can pay you a sum of money after death, which sounds like a good deal, but it is very expensive, don't buy it if you don't have enough budget.

There are so many cancer insurance products, how to determine which one is better? What should I do if I accidentally get caught? Don't worry! Check out this article! What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

In addition, you should also pay attention to these issues when buying cancer insurance:

1.Although some cancer insurance policies on the market do not require a physical examination, policyholders should not hide their medical history. In this case, the insurance company will usually ask for an increase in the insurance rate, terminate the insurance contract, or deny the claim.

2.The shorter the waiting period, the better. Generally, after buying cancer insurance, there will be an observation period, and the cost of diagnosis or onset of illness during this period cannot be claimed, so everyone should buy it as appropriate.

3.Don't choose cancer insurance products with too strict health notices, the looser ones are more friendly, such as Hongkang's [Love Worry-free] is good, interested friends can refer to the following:>>>Hongkang loves worry-free - cancer insurance that can be bought if you have cancer?

Summary. Hello, cancer insurance, if the budget is not much: you can consider Ruitai peace of mind, choose to pay 10 years for 10 years, pay 20 years for 20 years, can greatly reduce the pressure on premiums, young people are also very good to use to increase insurance.

What to buy cancer insurance.

Hello, dear, I'm honored to answer your questions, I'm the <> of Wenqutang Financial Research

Please wait, I'm analyzing your problem, I'll reply to you right away, please wait a minute, thank you.]

Ask about custom messages].

Hello, cancer insurance, if the budget is not much: you can consider Ruitai peace of mind, choose to pay 10 years for 10 years, pay 20 years for 20 years, can greatly reduce the pressure on premiums, young people are also very good to use to increase insurance.

Ask about custom messages].

Hello, if you want to pay multiple claims: it is recommended that Kunlun Kang Aibao with Zhonghe Hui Plus Insurance, which can achieve the effect of multiple claims, or you can directly purchase Tai An additional cancer 3 claims, ** is similar. Thank you.

Hello, cancer insurance is mainly used to protect cancer, which belongs to the category of critical illness insurance, but this critical illness is limited to cancer, but cancer is the most common critical illness. Thank you.

Hello, there are many insurance companies with cancer insurance, such as Ping An Life, AIA, Fosun Prudential, New China Life, Kunlun Health, Sino-Dutch Life Insurance, Taiping Life, Taikang Pension, PICC Property Insurance, Hongkang Life, Ruitai Life, etc., and you can directly contact the underwriting insurance company if you have insurance needs. Thank you.

Is it appropriate for me to buy Pacific Cancer Insurance when I am 45 years old?

Pay 15 years old at the age of 70 to return to the capital.

Hello, cancer insurance is more suitable for middle-aged and elderly people over 48 years old, you buy it at the age of 45, very good, suitable, thank you!

Hello, 1. China Pacific Insurance (Group) Co., Ltd. **** national customer service: 95500; 2. Thank you for China Pacific Insurance (Group) Co., Ltd.

Cancer insurance should be bought, especially for people who can't afford critical illness insurance.

Cancer insurance is mainly for cancer and is a type of health insurance. After all, cancer is a serious illness, if you want to **, it will definitely cost a lot of medical expenses, and the cost of recuperation in the later stage is also very high, plus you can't work after getting sick, and family care will also affect your normal work, so there will definitely be a lot of loss in the economy. And taking out a cancer insurance policy can improve your cancer protection.

However, because cancer insurance only covers cancer, and critical illness insurance can generally cover dozens of specific critical illnesses, critical illness insurance will have a wider coverage than cancer insurance, so it is more recommended that you apply for critical illness insurance to get more comprehensive protection.

It should be made clear that if you have cancer, it will not only incur the current cost, but more importantly, the cost of all aspects in the future, including the cost, nutrition cost, lost work fee, nursing fee and so on. Many imported drugs and non-medical insurance items in cancer** need to be borne by patients themselves, which has caused a serious financial burden to many patients' families, and many families have become poor due to illness. Therefore, it is best to consider the purchase of cancer insurance, in case of accidents, the compensation of expenses is also more humane.

The main types of people who are suitable for buying cancer insurance are as follows:

1) Older age.

As we age, our body functions deteriorate, and there will be some minor problems in our bodies. For example, patients with three highs may not be able to apply for critical illness insurance and medical insurance, so they can choose cancer insurance.

2) Low-income families.

Compared with critical illness insurance and medical insurance, cancer insurance has a smaller coverage but a much cheaper premium. For families with greater financial pressure, cancer insurance is a good choice.

3) Long-term exposure to carcinogenic substances.

Some occupations may require frequent exposure to carcinogenic substances and are at high risk of developing cancer. For this type of people, buying a cancer insurance can protect their health.

4) Have a family history of cancer.

There are many cancers that are caused by genetics, so it is necessary to purchase a cancer insurance to prevent them from occurring.

5) Want better protection against cancer.

For some families with good economic conditions, who have already configured critical illness insurance and medical insurance, and want better cancer protection, they can purchase a cancer prevention insurance to provide more comprehensive protection for themselves and their families.