I have a case of lacunar cerebral infarction, and I insured Jinyou Life in the Pacific Ocean, but I

Xueba talks about insurance, focusing on insurance product evaluation! I have evaluated all the 136 critical illness insurances that have been hot in the market in the past two years, and the overall is still good: the latest comparison table of 136 popular critical illness insurances

"It's true that the Internet says that Jin You's life is not good? 》

You can take a look.

Then I will talk about the advantages and disadvantages of Kim You's life:

Advantages: 1) The annual sum insured will increase with dividends, which can slightly curb inflation;

2) The company's brand awareness is high, and there are many branches and offline people, so that the service outlets of the Pacific are easy to find, and it will be more convenient to apply for insurance claims.

Cons: Honestly, there are quite a few disadvantages.

The dividend income of Jinyou Life is average, the premium is also unsatisfactory, and more importantly, in terms of disease protection, Jinyou Life is still not worth recommending! There are too many key points, I will put out the condensed version of the content, and I have written all the reasons in this one, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

In general, although Jinyou Life has a high brand awareness, it is not cost-effective. I still recommend that you separate your protection and financial management in order to buy the most suitable product for you.

Hope, thank you!

It should have been 2 years since you paid 2 fees, and the indefensible period is two years, and after two years, the insurance company cannot terminate the contract, but I am afraid that there will be trouble when you have an insurance in the future, and if the future illness is directly related to your previous illness, then it should not be compensated. However, if the future illness is not related to the illness that was not reported in the past, then it is possible to compensate according to some previous litigation cases. Take good care of your body now, at least for the diseases you have stored before, the insurance company will definitely not pay, and there is no direct connection to the disease, it is possible to get a claim.

I got cancer one year after paying the Pacific Golden Bless, and I didn't tell the history of my previous illness when I applied for insurance, but my previous illness has nothing to do with this disease, can I make a claim?

Summary. If the other party still does not settle the claim, they can go to the court to file a lawsuit, and the insured is not obviously at fault, and the court will generally give priority to protecting the interests of the insured.

Pacific Jinyou Life Insurance Claim for Coelolic Cerebral Infarction requires a second re-examination, if the cavity infarction disappears, the disease ** will not be claimed, so reasonable Mengtong checked out the cerebral infarction, Hengmu re-examination has not passed, and went to another place **, Zhisen or cerebral infarction, and now let the re-examination, feel that they are cheating, what should the patient's family do now.

Hmmm. Irrationality.

The insurance company's claim dispute lawsuit is easy to handle, and the insurance company negotiates. When the negotiation is boring, if you are not satisfied, you can call the CBIRC to call 12378 to complain.

If the other party does not settle the claim, they can go to the court to sue, and the insured is not obviously at fault, and the court will give priority to protecting the interests of the insured.

The insurance company is not reasonable, what should we do now, how much the patient forgets the symptoms now.

In a situation like yours, the court will also accept the claim documents that you check for the first time.

Hit the CBIRC 12378 to complain.

Negotiate with the insurance company first, if the negotiation still fails, file a complaint with the CBIRC, and finally go to the court to sue.

Okay, can I still contact you in the future.

Yes, you can contact me on it later.

Okay, thanks. Well, you're welcome, may I be well.

Hello dear, glad to have your question. This is possible, the insured of Pacific Jinyou Life can be compensated for cerebral infarction at a bad banquet, because cerebral infarction can be said to be medically declared dead, which is death, then hunger can get compensation for death, and compensation for cerebral infarction according to the death insurance amount. Cerebral infarction is a serious illness, as long as the insured dies during the insurance period, and there is no such disease before the insurance, and there are no other matters that need attention in the medical record, you can get full compensation.

Summary. Because it does not mean that the insured is diagnosed with cerebral hemorrhage, and then you can get a claim, this is a special feature of the current critical illness clause, then you have to go to Pacific Insurance Company to take the corresponding information to verify.

Hello, it's a pleasure to have the opportunity to help you.

If it is a cerebral hemorrhage, it depends on what kind of claim requirements are for cerebral hemorrhage in the serious illness clause of your Jinyou contract.

Because it does not mean that the insured is diagnosed with cerebral hemorrhage, Senbei can then get a claim, which is a special feature of the current critical illness clause.

Can aneurysms be used as stents?

2014 Jinyou Life.

Which series of products are you buying, because Jin You's life has a and a, and it will be divided into 2014 version, 2017 version, and 2018 version, so it depends on the terms of your contract.

Depending on the requirements in your insurance policy, you can go to the counter of the respective insurance company for a specific claim consultation.

Because the first answer to the claim is the entire claim center, it will have a lot of people to review for you, as well as pay the claim and handle the corresponding procedures.

Don't you know the 2o14 Jinyou life.

In addition, the insured and his family should pay attention to whether they have millions of medical products in addition to Jinyou Life. Because if there are millions of medical treatments, even if Fan Dan does not meet the claim of a major illness or a mild illness, the ** expenses during the hospitalization can also be reimbursed.

The terms are determined, and I shall prevail according to the terms of the contract in your hand. I don't know what the actual medical record of the insured person is what Huai pretends to be, and this claim is to be combined with the two before we can give a conclusion about whether it is with the claim.

Q: 2O14 Jinyou Life A bonus can be trained.

What is the actual condition of the patient? I can't say that I was diagnosed with this disease, and I asked for compensation. If you want to make a claim, we will judge you according to the case and the diagnosis certificate in black and white.

It is a cerebral aneurysm that needs to be stented.

Has the insured not been hospitalized**?

It is cherished in the First Affiliated Hospital of Zheng University.

Let's put it this way, even if Jin You Life 2014 can't make a claim to the insured, should he be treated for this disease? So in essence, if the insured has not been admitted to the hospital**, first of all, the normal state is to seek medical treatment, and hospitalization is something we urgently need to do.

Summary. Hello, glad to answer for you. <>

He had a cerebral infarction. It is suitable for the Jinyou life insurance that I want to return for 2 years. Life Insurance can be surrendered, as long as it is within the validity period, this insurance product can be surrendered.

For the policyholder, surrender is the policyholder's right, but surrender is indeed a unilateral breach of contract by the policyholder, so the insurance company will charge a certain handling fee. Of course, there will be no handling fee for surrendering the policy during the cooling-off period, because the insurance company has not incurred a huge loss during this period. However, after the cooling-off period, you will need to bear some costs when you surrender the policy.

He had a cerebral infarction. Is it appropriate to want to return the 2-year Jinyou Life Insurance?

Hello, glad to answer for you. <>

I had a few strokes of the brain cavity. It is suitable for the Jinyou life insurance that I want to return for 2 years. Life Insurance can be surrendered, as long as it is within the validity period, this insurance product can be surrendered.

For the policyholder, surrender is the policyholder's right, but surrender is indeed a unilateral breach of contract by the policyholder, so the insurance company will charge a certain handling fee. Of course, there will be no handling fee for surrendering the policy during the hesitation period, because the insurance company has not incurred huge losses during this Sun Hui period. However, after the hesitation period, the surrender of the policy will require some costs.

Extended information: Jinyou Life Insurance is a participating critical illness insurance launched by Na Pacific Insurance Company. This insurance has a wide range of coverage, including mild illness, critical illness and death benefit, but this insurance does not provide real protection, so if you suffer from moderate disease, you can only pay according to the proportion of mild illness.

This insurance can pay 100% of the basic shed uninsured amount for critical illness and 20% of the sum insured for minor illness. Compared with other types of products on the market, the payout ratio of this product will be lower.

Brother Bao said insurance, focusing on insurance product evaluation! Many people have asked about critical illness insurance, and if you want to know more, you can check this comparison table: a list of popular critical illness insurance companies that are "worth buying" from the top ten insurance companies!

The process of applying for a claim for a mild illness (lacunar cerebral infarction) of Pacific Jinyou Life Insurance:

Jinyou Life has attracted a lot of attention because it is "protection + financial management", and a picture to understand its protection:

After the analysis, it can be found that being complained about is not completely unreasonable, it still has many shortcomings, such as these shortcomings have to be mentioned:

1. The proportion of compensation for mild illness is low.

Although the product covers 50 mild illnesses and pays 3 times, it can only get 20% of the basic sum assured. However, the average level in the market is 30%.

2. Lack of protection for moderate illness.

Without the protection of moderate illness, many critical illness insurance products now already include moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and moderate illness protection is an important means to relieve the pressure of critical illness in the early stage.

3. The dividend protection is slightly poor.

There are two kinds of dividends in Jinyou Life: annual dividends and terminal dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. Dividends are not paid directly to the insured, but are accumulated in the policy, and the sum assured for critical illness will increase accordingly.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But in reality, only one of the bonuses can be chosen.

4. Premiums are expensive.

As you can see in the picture above, a lifelong policy, a 30-year-old man, 500,000 yuan of insurance for 20 years, 19,650 yuan a year, is almost 20,000 a year! It can be said that it is very expensive.

Summary: From the overall security analysis, Jinyou Life's cost performance is not high, the protection is not comprehensive, and it is relatively expensive, there is no market competitiveness, the same conditions, there are many good products to choose from for such a budget, here is a list: