Do you have critical illness insurance? I don t know the amount of insurance or something, can you e

1.Age is the primary consideration.

2.The premium should be 10%-15% of the annual income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Outsmart Life Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation. Best wishes!

Hello! The critical illness insurance of each insurance company is basically the same, because the insurance industry association has made a clear definition of the dozens of critical illnesses that occur most often, and all insurance companies use the same standards, but there are some small differences between insurance companies in terms of rare diseases. You can pay more attention to the insurance company's products, and you can buy it through the insurance company or insurance**.

You can refer to:

How to buy critical illness insurance?

1. The basic sum insured should be appropriate, depending on the physical condition, family medical history, and the nature of the work. The trick to purchasing critical illness insurance properly is also to know how much medical expenses will cost you if you have a current illness.

2. The policy should be adjusted according to the actual situation. Every three to five years, people should pay attention to opening their own insurance policy to check whether it is necessary to increase the sum insured, and make some appropriate adjustments according to changes in family members and financial situation.

3. It is better to buy long-term insurance than to buy annual insurance. Long-term critical illness insurance is generally paid evenly every year at the rate corresponding to the year you start the insurance. The younger the policyholder, the lower the premiums to be paid.

4. It is better to pay the premium annually. Although there will be some ** discounts on the first payment, it is better to pay the premium of critical illness insurance annually.

Yes Commercial insurance will have. However, you must be in good health before purchasing. I am from Ping An Company, if there is a demand, you can understand.

The premium is the money you give to the insurance company, and the sum insured is the money that the insurance company will pay to the customer after the accident.

The sum insured is the sum insured if you suffer from critical illness insurance or die.

If these two are just a choice between the case, I suggest that the choice is still a matter of critical illness insurance. However, if there are more options, other insurers may want to take back the product comparison. Some insurance companies may lose not only death from a critical illness, but also for the same total disability benefit.

Relatively little more extensive protection.

1. It is related to the amount of compensation insured.

As we all know, critical illness insurance covers critical illnesses, including mild, moderate and critical illnesses, and these three are generally claimed separately.

Taking critical illness insurance with an insured amount of 500,000 yuan as an example, if you get a mild illness first, the insurance company will pay 150,000 yuan according to the minor illness; If you unfortunately suffer from a critical illness again, you will pay another 500,000 yuan according to the critical illness.

However, some products make classified claims for mild, moderate and critical illnesses, and the three of them share the sum insured. If you have a mild illness, the insurance company will pay for the same type of critical illness after the insurance company pays out, and the amount of the benefit will be reduced.

For example, if Xiao Zhang buys a critical illness insurance with an insurance amount of 500,000 yuan, and in the future suffers from carcinoma in situ, the insurance company will pay 150,000 yuan, and then unfortunately he suffers from lung cancer, so he can only pay another 350,000 yuan.

Therefore, everyone should try not to buy such products that share the sum insured.

2. It is related to the type of disease to be paid.

Some insurance products add a lot of unnecessary diseases to the terms of the insurance products, and attract consumers with the gimmick of covering many diseases and comprehensive protection, and then increase the premium.

In fact, all critical illness insurance is the same, and the China Banking and Insurance Regulatory Commission has given a unified definition of the 28 most common critical illnesses, and these 28 most common critical illnesses have actually accounted for 95% of all insurance claims.

3. Associated with the interval of cancer.

Cancer is the most common disease, so many people pay great attention to cancer protection when they buy critical illness insurance.

Considering the high incidence of cancer, the insurance company will set up a critical illness insurance product with multiple claims for cancer in product design. If the policyholder suffers from cancer in the future, the insurance company pays out the policyholder, and after the interval has passed, the policyholder suffers from cancer again, and the policyholder will pay again.

The rate of cancer** is very high, and the interval is not long, and some products are set on the interval, the interval of critical illness insurance is generally 3 years, and some products will be set to 5 years. Therefore, when applying for critical illness insurance, you should pay attention to choosing products with short intervals.

4. It is related to the requirements of secondary compensation for cancer.

Some products have extremely strict requirements for secondary claims for cancer, and some critical illness insurance does not cover all cases.

The first diagnosed malignant tumor has reached complete clinical remission before the first diagnosis or spread, and if it continues to be carried out and the lesion does not disappear completely, even if the 3-year interval is met, the compensation will be refused.

As a type of insurance that provides protection for critical illness, critical illness insurance has always been very popular among people, and many people will go to apply for critical illness insurance, but the amount of critical illness insurance insured is different for different people. So, what is the maximum amount of critical illness insurance?

In fact, there is no definite maximum sum insured for critical illness insurance, and the amount of critical illness insurance will be different for different insurance companies, and the sum insured of critical illness insurance will be different for different insurance products. Generally, the critical illness insurance we often see has an insurance amount of 300,000, 500,000, 700,000, 1 million and so on.

However, most people will not invest in too high the sum insured, because if the sum insured is high, it means that the premium is more, and this will undoubtedly increase a certain financial burden for people, so most people invest in critical illness insurance with an insurance amount of 300,000 or 500,000.

At the same time, it should be noted that insurance companies generally have regulations that when the insured critical illness insurance exceeds a certain sum insured, in order to prevent the occurrence of insurance fraud, the insurance company will be more strict about the health examination of the policyholder, and will also carefully review the policyholder's family situation, economic income, etc., and there is also the possibility of refusal of insurance.

Of course, it depends on the amount of insurance, because this is the money for treatment, if the amount of insurance is too low, it won't play a big role in curing the disease, right? Therefore, when buying critical illness insurance, the priority should be to consider that the sum insured is high enough. Generally, 300,000 starts more reasonable.

If you think about a critical illness, the medical expenses of 100 hundreds of thousands of dollars at every turn, if your insurance amount is only 100,000 yuan, it is actually seriously insufficient. After deducting the premiums paid before, in fact, the amount of insurance you get may be 23,000 yuan, so it doesn't make much sense for you to buy this critical illness insurance, right? The purpose of critical illness insurance is that when I am sick, I have enough money for me to see a doctor.

Critical Illness Early Payment:

The insurance liability of this type of product includes critical illness and death, and the total insured amount is the death sum assured, including two parts: critical illness and death sum assured.

The emergence of early payment of critical illness is a change to meet the needs of policyholders, and in the history of the development of health insurance, critical illness insurance appeared relatively late. In the past, policyholders bought life insurance, and life insurance only paid the sum insured in the event of death. However, if the policyholder has a critical illness, and the current technology is improving day by day, it does not necessarily mean that he dies if he suffers from a critical illness, and the cost of a critical illness is also very high, and the policyholder is in urgent need of money at this time, what should I do?

In response to this problem, the insurance company allows the policyholder to pay a small premium on the basis of the main life insurance purchased, so that the life insurance can include the risk of critical illness in the scope of protection on the basis of death. Then, the policyholder can get the insurance payment in time when he is diagnosed with a critical illness and needs the most money.

Therefore, the "early payment" of the supplementary early payment critical illness insurance is paid out of the sum insured of the main life insurance. If you do not die and have a critical illness, the life insurance amount is paid to the insured in advance, which is called "early payment". It is precisely because it does not have an insured amount that it uses the sum insured of the main life insurance.

Therefore, the premium for early payment of critical illness is lower.

At present, Ping An's critical illness insurance adopts this form.

Some insurance products are reduced by the same amount, and some policies are terminated once the claim is paid.

Hello, I don't know your specific situation, for minors to apply for critical illness insurance, the insurance amount is about 10-200,000 yuan. For adults to apply for critical illness insurance, the sum insured is about 20-300,000 yuan. We recommend several critical illness insurance policies for you.

The sum insured does not need to be blindly high, and the appropriate sum insured can meet the general needs. It is recommended to choose an insurance amount of about 200,000 yuan, and an insurance amount of more than 300,000 yuan is not much necessary for ordinary people.

I hope it helps, and if you have any other questions, you can continue to contact me!

The sum insured is the abbreviation of the insured amount, which refers to the maximum limit of the insurer's liability for compensation or payment of insurance money. In the face of a variety of insurance products, how to determine a suitable amount of insurance makes many friends very distressed, I suggest you take a look at my article to learn:How much insurance is appropriate?

Let's talk about the doorway inside

How much is the sum insured for critical illness insurance? It is best to determine according to your own actual situation, how to decide? If you are interested, you can read below:

The amount insured should be reasonable, not too high and not too low.

1.The sum insured is too high:The higher the sum insured, the higher the premium that needs to be paid, and the excessively high premium will increase the financial burden of the family, which is not necessary at all.

2.The sum insured is too low:Failure to achieve the purpose of transferring risk. For example, the average cost of critical illness** is 300,000 yuan, and at this time, only buying critical illness insurance with an insurance amount of 100,000 yuan will not play a role at all.

When it comes to the choice of sum insured, many people ask about critical illness insurance and accident insurance。So how do you determine an appropriate amount of insurance for these two types of insurance? Let me briefly talk about it:

1.Critical Illness Insurance:The cost of a serious illness is generally 300,000 yuanThe sum insured of critical illness insurance is a minimum of 300,000 yuanIf you live in a big city, the sum insured will also be increased to 500,000 because the cost of living will be higher.

If it is the breadwinner of the family's economy, it will increase the loss of income by 3 to 5 years, which can reduce the impact on the life of families without income during the ** period.

2.Accident Insurance:If you often sit in the office, the probability of accidents is relatively small, and the insurance amount is enough to buy 300,000 yuan; If you travel frequently and face a large risk of accidents, it is best to set the amount at more than 500,000Accident insurance with public transport is preferred

The knowledge point of the sum insured must be thoroughly understood before buying insurance, and these knowledge points must also be mastered before buying insurance"Before buying insurance, you must first figure out these key knowledge points! 》

The sum insured refers to the sum insured and is the maximum amount that the insurance company can pay for reasonable expenses. In the face of different insurance products, the choice of the sum insured is often the most tangled place for many people, and I have taken notes about the knowledge points of the sum insured, and I will share it with you here:How much insurance is appropriate?

Let's talk about the doorway inside

The sum insured should be within a reasonable range, not too high or too low.

1.The sum insured is too high:The high sum insured will also be expensive, and paying too high a premium will increase the financial pressure on the family, which is not necessary at all.

2.The sum insured is too low:You can't resist the harm caused by risk. For example, the cost of a serious illness is about 300,000 yuan, and if you only buy critical illness insurance with an insurance amount of 100,000 yuan, you can't solve the problem at all.

Every time the question of the sum insured is raised, critical illness insurance and accident insurance are the most frequently asked types of insurance。So how much insurance is suitable for these two types of insurance? Let me make a few important points:

1.Critical Illness Insurance:The average cost of a serious illness is $300,000Therefore, the insured amount of critical illness insurance must be at least 300,000 yuanIf you live in a big city, the cost of living will be higher, and the insurance amount should also be increased to 500,000 yuan.

If it is the "breadwinner" of the family, it is necessary to increase the loss of income by 3 to 5 years to reduce the impact of economic pressure on the family during the ** period.

The following is my most cost-effective critical illness insurance after a lot of comparison, interested friends can take a look:Top 10 [Cost-effective] Popular Critical Illness Insurance Points! 》

2.Accident Insurance:If you often sit in the office, the probability of accidents is relatively small, and the insurance amount is enough to buy 300,000 yuan; If the probability of risk in the working environment is relatively large, it is best to set the amount at more than 500,000Accident insurance with public transport is preferred

If you want to buy insurance, you not only need to know the knowledge points mentioned above, but also need to know these key knowledge points, see :"Before buying insurance, you must first figure out these key knowledge points! 》