How many steps does it take to buy critical illness insurance for commercial insurance?

The steps to buy critical illness insurance include choosing a channel before applying for insurance, making health notices during the insurance process, and checking the terms after applying for insurance.

1. Analysis of the insurance process of buying critical illness insurance.

Before applying for insurance, we should determine the insurance channels, the common insurance channels are offline and online, offline mainly refers to the traditional insurance company business outlets or find offline insurance ** people to buy; Online, in addition to the official website of the insurance company or ***, there are also telemarketing**, insurance third-party platforms, insurance brokers, etc., among which if you choose an insurance broker, you must verify its identity and whether the platform is formal in advance.

Then we enter the insurance process, generally buy critical illness insurance to carry out strict health notice, we only need to follow the principle of "ask must answer, no question no answer", remember to conceal, otherwise it will have a bad impact on subsequent claims.

If the policyholder has successfully passed the health notification or underwriting, we need to fill in the personal information truthfully according to the prompts, and then transfer the money after confirming that it is correct. The last step is to check the information of the contract after we get the policy, read the terms of the contract carefully, and pay attention to whether the time limit, figures and protection responsibilities on the policy are correct.

2. Advice on buying critical illness insurance.

When we buy critical illness insurance, in addition to knowing the insurance steps, we also need to know that a cost-effective critical illness insurance not only covers the three basic protections of light, medium and severe, but also provides the insured with light, medium and severe exemption, high-incidence critical illness multiple claims protection, etc., in short, the more comprehensive the protection content, the more beneficial it is for our insured.

In addition, if we have enough budget, it is recommended to buy a critical illness insurance policy that covers life and includes death benefit, so that there is no need to worry about a gap period after the expiration of the coverage.

Buying critical illness insurance generally requires going through steps such as clarifying the amount and budget, choosing the right product, providing health notification, and successfully applying for insurance.

It is recommended to buy at least 300,000 yuan in the amount of insurance, the budget should be determined according to personal income, shop around when choosing a product, and after selecting one, you should be informed about your health, remember to tell the truth, and then wait for the underwriting results of the insurance company.

It's not very troublesome, choose the amount of insurance (some company salesmen send a seed, customers can vote with their mobile phones). Then wait for the insurance company to deduct the fee, underwrite, and finally the customer can sign the receipt. If you are older, you may be required to have a medical examination before applying for insurance.

Moreover, if you have a history of hospitalization before applying for insurance, you need to inform the insurance company that there are networks with hospitals across the country. It will also be regarded as an act of insurance fraud.

Commercial critical illness insurance needs to be purchased, and commercial critical illness insurance can make up for the lack of social security.

In commercial critical illness insurance, there are many insurances that can reimburse imported drugs and new drugs. In addition, nutrition expenses, nursing expenses, and basic social medical insurance cannot be compensated. In the basic social medical insurance, there will be a self-payment section for the outpatient and emergency part, and a minimum payment standard for the inpatient part.

Social security can only reimburse the drugs in the "Social Security Drug Catalogue", of which 100% of Class A drugs can be reimbursed, Class B drugs need to pay 10% of their own expenses, and new drugs and some imported expensive drugs that are not included in the "Catalogue" cannot be reimbursed, and once suffering from a serious illness, many times must use new drugs and imported drugs.

1. Low-profile version: pure critical illness.

2. Basic class: critical illness + mild illness.

3. Standard version: critical illness + mild illness + moderate disease.

4. Advanced version: Critical illness + mild illness + moderate illness + death.

5. Deluxe Edition: Critical Illness + Mild Illness + Moderate Illness + Death + Cancer Multiple Times.

6. Top version: Critical illness + mild illness + moderate illness + death + cancer multiple times + critical illness multiple times.

Case 1: Low-spec version.

For families with a limited budget or families who don't want to spend too much on insurance, they can choose to purchase a low-profile version of the insurance, that is, as long as the protection of the highest risk critical illness is enough, which not only has the premium cheap, but also has resisted the highest cost of critical illness.

There are many products on the market that only protect critical illnesses, 30 years of insurance at the age of 30, the annual premium of 500,000 yuan is only one or two thousand, if you suffer from the critical illness agreed in the contract before the age of 60, you can get a one-time critical illness claim of 500,000 yuan. For people who just need it, it is the best choice.

Case 2: Standard Edition.

For those who are more financially affluent, they may feel that critical illness protection alone is far from enough, so you can consider critical illness insurance products with moderate and mild illness protection.

With today's medical technology and people's attention to physical health, many diseases are discovered at an early stage, at this time, if you do not meet the claim standard of critical illness insurance, it is likely that you will not be able to make a claim, but if you have the protection of mild and moderate illness, you may be able to make a claim.

This kind of insurance on the market, for 30-year-old women, the sum insured of 500,000 yuan is guaranteed to the age of 70, and the annual insurance amount is about 3,000 yuan, which can be said to be relatively comprehensive.

Case 3: Top-of-the-line version.

For friends with sufficient budget, of course, if you want to have the best and most comprehensive protection, then you can choose the top version of the critical illness insurance product with critical illness + mild illness + moderate illness + death + cancer multiple times + critical illness multiple times.

This type of product can be paid for mild illness, if you have a moderate illness later, if you have a serious illness, you can also pay for it, and you can also pay if you die. If you buy this type of insurance, you don't have to worry about the financial loss caused by multiple critical illnesses, although the premium will be a little more expensive, but it can be considered for families with sufficient finance.

To sum up: if the budget is very limited, then as long as you consider pure critical illness, pure critical illness because it only protects critical illness, ** the lowest, but if you get a critical illness claim, it is already a very qualified critical illness insurance. If you think it's enough, then you can consider the standard version of critical illness + mild illness + moderate disease, and if you plan reasonably, you can buy an insurance amount of 500,000 yuan for two or three thousand yuan.

If the budget is sufficient, then the advanced version of the luxury version of the top version can be considered, although it will be more expensive, but the protection is more comprehensive.

To choose the right critical illness insurance, we can use some basis to judge, and the following will share some specific evaluation bases for you

1. Look at the premium**.

Consumers who apply for critical illness insurance for the first time generally do not know much about the product, but they can be compared through **, such as the policyholder chooses the relevant product within their budget, and the product that best meets their budget and has reasonable protection is suitable, which will not cause financial burden and can provide critical illness protection. For related insurance strategies, click this article to understand"The correct insurance posture of critical illness insurance, dad will teach you a few tricks!" 》

2. Look at the content of the guarantee.

In addition to the product**, the policyholder also needs to consider the product protection content, such as critical illness, mild illness and moderate illness, etc., as well as the number of claims of the insurance product, generally there are single claims and multiple claims, which can be considered in combination with the actual situation to meet the needs, so the wider the coverage, the premium will also be proportional**.

3. Look at the product features.

Because of the fierce competition in the critical illness insurance market, insurance companies have launched innovative products to meet people's growing protection needs, such as Starjoy Critical Illness Insurance, the underwriting conditions for thyroid nodules and breast nodules are relatively relaxed, and women have certain advantages in the premium of this product, so policyholders can accurately locate the product characteristics.

4. Look at the company's solvency.

It is extremely important for us to choose a reliable insurance company when we apply for insurance, mainly to look at the solvency of the company. Therefore, in addition to the product**, insurance content and features, we also need to have a general understanding of the solvency of the insurance company, which is a key indicator to judge whether the claim is good. Since consumers who buy insurance products can get financial compensation after the accident, policyholders cannot ignore it.

Purchase critical illness insurance that suits your income, age, occupation, and physical condition!

After all, there are many types of critical illness insurance in the market, including regular critical illness, lifelong critical illness, and participating and non-participating ones, etc., and the sum insured and premiums are different. I think you can choose critical illness insurance from the following aspects:1

Look at your budget and choose the product or combination that has the most coverage within your budget. 2.Look at the terms, be sure to read more insurance terms, so as not to be fooled by the insurance salesman.

The Lehas e-life critical illness insurance selected by the individual is quite suitable, with a wide range of coverage, including 70 serious and high-incidence critical illnesses, 30 high-incidence mild diseases, and 19 specific diseases. **It's not expensive, you can choose different versions according to your situation and budget, such as children's version, personal version, family version, etc. The main thing is that the policy can also be renewed, which is very user-friendly.

There is a movie "I Am Not the God of Medicine", this drama allows people to see the appearance of all beings under poverty and illness, it turns out that a serious illness can really change people's fate, and it turns out that life-sustaining drugs can be so expensive that they can dig up their homes and ruin them. The old lady's heart-piercing question to the police showed her helplessness in the cruel reality.

Personally, I think that before we buy critical illness insurance, we must first find out the scope of the critical illness insurance, if we don't notice that the claim cannot be made when the claim is not made, the loss is ours.

Basic insurance coverage should be appropriate and vary according to physical condition, family history, and the nature of the job. The key to purchasing the right critical illness insurance is to understand the medical costs of your illness. Policies should be adjusted according to the actual situation.

Every three to five years, people should pay attention to opening their insurance policies, checking whether it is necessary to increase the sum insured, and making appropriate adjustments according to changes in family members and financial situation.