Who knows about critical illness insurance

Critical illness insurance is generally available for 60 days after the child is born.

After applying for insurance, it actually takes effect immediately after the insurance contract is issued, but there is usually a waiting period, which is to prevent insurance after illness, so during this waiting period, if you suffer from a critical illness in the contract, the insurance company will not pay the claim (there are also small percentage claims, very rare).

This waiting period varies from insurance company to insurance company and also from insurance to policy.

The longest waiting period is one year, the shorter waiting period is half a year, and the shortest waiting period is 90 days, which means that after 90 days after the insurance contract takes effect, if you suffer from a critical illness in the contract, the insurance company will accept the compensation.

It is still more cost-effective for children to do critical illness insurance, because of the young age, the premium is very low, and the protection is also very important.

You'd better be clear about which insurance company and where you're located.

No matter how many years you choose to pay the premium, as long as the insurance contract is down, the insurance will take effect, but the general health insurance will have a 1-year observation period, and the illness within 1 year cannot be fully compensated according to the sum insured, and the compensation can be fully paid according to the sum insured after 1 year.

Our company has an out-of-print insurance product that is about to be taken off the market, not only returned, but also increased by 2 per year, which means that the sum insured will double after 50 years. This product is called Health Angel Critical Illness Insurance, and it will definitely be discontinued before September 1, if you are interested, please hurry up.

Xinhua Haidian - Life Insurance Iron Army.

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In the middle of the Corning, 24 hours after the accident partially effective. Critical illness takes effect after 180 days.

Hello! At present, there are many critical illness insurance policies on the market, and each product covers different diseases, but generally includes 25 major illnesses stipulated by the state. The details are as follows:

1) Malignant tumors – excluding some early-stage malignant tumors.

2) Acute myocardial infarction.

3) Stroke sequelae – permanent dysfunction.

4) Major organ transplantation or hematopoietic stem cell transplantation – allogeneic transplantation 5) Coronary artery bypass grafting (or coronary artery bypass grafting) – thoracotomy 6) End-stage renal disease (or chronic renal failure uremia) – Dialysis** or kidney transplantation.

7) Multiple limb missing—complete disconnection.

8) Acute or subacute severe hepatitis.

9) Benign brain tumors – requiring craniotomy or radiation**.

10) Decompensated chronic liver failure – excluding alcohol or drug abuse11) Sequelae of encephalitis or meningitis – permanent functional impairment12) Deep coma – excluding alcohol or drug abuse13) Deafness in both ears – permanently irreversible, claims must be made after the age of 3 years14) Blindness in both eyes – permanently irreversible, claims must be made after the age of 3 years15) Paralysis – permanent and complete.

16) Heart valve surgery – thoracotomy is required.

17) Severe Alzheimer's disease – complete loss of the ability to live independently 18) Severe brain injury – permanent functional impairment.

19) Severe Parkinson's disease – complete loss of the ability to live independently20) Severe burns – up to at least 20% of body surface area21) Severe primary pulmonary hypertension – with signs of heart failure22) Severe motor neuron disease – complete loss of the ability to live independently23) Loss of speech – complete loss of speech and positive activity for at least 12 months, claims must be made after the age of three.

24) Severe aplastic anemia – peripheral blood images must meet certain conditions 25) Aortic surgery – thoracotomy or laparotomy is required.

Sunshine Insurance's "Health with e-Insurance" can cover up to 42 major illnesses, as well as many other critical illnesses such as Ebola virus infection, systemic lupus erythematosus, chronic respiratory failure, etc. Common severe diseases such as malignant tumors, acute myocardial infarction, sequelae of stroke, benign brain tumors and other high-incidence severe diseases.

Hello! As far as I am concerned, I will choose whether to choose this insurance or not. Why?

First of all, you have purchased a critical illness insurance, and you have to pay until the age of 55, that is, you have to pay for more than 20 years, and you will have no money after withdrawing. As we all know, we rarely find a major disease before the age of 50, and the peak period of a major disease is before 50-65. When people get older, their metabolic ability decreases, and the diseases that fell when they were young are manifested at this time.

It is very unknown to withdraw money at the age of 55 to terminate the contract.

In addition, it takes too long to pay the fee, you are now in your twenties, and there is no major burden, and we all have different responsibilities at the age of 30, 40, and 50. The child is born, the care is still there, the work is still being done, the school is still studying, the filial piety to the parents, etc. Basically, this payment is basically interspersed with the most important stages of your life.

may increase your burden.

An insurance plan is a good plan if you can afford it. I don't recommend you to surrender the policy here, the surrender is a big loss, you also inquired, paid almost three years to return more than 2,000 yuan, you can see if the insurance contract has modified the payment period, or the function of reducing the amount of insurance (that is, reducing the amount of insurance and reducing the premium). The above is for reference only, please consult the insurance company for details. Thank you!

Reason 1In the Chinese environment, food safety problems are prominent, the old saying is that good diseases come from the mouth, the food we eat every day is not melamine, or dichlorvos, Sudan dyes, the incidence of major diseases among the Chinese people has become a gradual upward trend and a younger trend, 70% of the elderly in China are dying because of diseases. 2.

The existing medical system can not meet people's medical needs, science has developed, more and more diseases can be obtained, but now in China a serious illness, no 100,000 is not able to take down, medical insurance reimbursement ratio and restrictions can be reported at most more than 100,000 is good, after getting sick not only brings a heavy burden to themselves, to their families, relatives are more economic burden, to say that everyone must prepare more than 100,000 critical illness insurance! I'm 150,000 again, hehe!

1. Critical illness protection for life is not very good, I think it is more appropriate to protect until the age of 70, the reason is: people will be weaker when they reach the age of 70, there will be a lot of big and small problems, and there may be chronic diseases, these are all costly, if you buy a critical illness for life, then your critical illness insurance amount can only get this money unless you are diagnosed with a critical illness, otherwise it can only be left to the next generation, that money belongs to see that you can't use it, if you are protected to 70 years old, At the age of 70, I can take the sum insured in my own hands, and I can use it regardless of whether it is serious or small, and it is important to have a sum of money at my disposal at that time.

2. Critical illness insurance must have dividends, so that it can resist inflation, if inflation is severe in the next few decades, the amount of insurance alone may not be enough, and dividend insurance can solve this part of the worries.

3. Not every insurance product of a large insurance company has advantages, each insurance company has its own advantageous products, and the combination of insurance plans can choose the insurance products that multiple insurance companies have advantages, which is more conducive to the protection of the family.

4. The amount of critical illness should be at least 10-150,000 yuan, because the average cost of critical illness is 20-300,000 yuan, and medical insurance can help us bear about half of the cost, so we must prepare at least 10-150,000 yuan ourselves, and when it is really time to use the money, we must be able to take out this money.

Hello! Buying critical illness insurance can cover the high medical expenses.

Loss of income during the period of remediation. Even if we are financially well-off and can afford these expenses, how many of us can always have that much cash in the bank? We all know that putting money in the bank will depreciate, and many people have purchased real estate, **, ** to prevent illness and old age, but when it is urgent, it is difficult to sell the property at the ideal price.

Critical illness insurance can be used to pass on a high amount of risk to the insurance company. We all know that it costs a lot of money to suffer from a critical illness, assuming that it takes 100,000 yuan to get sick, there are generally three ways to prepare this money: the first method:

The second way to solve your worries with a one-time deposit: 20 years of uninterrupted fixed deposit The third method: 4000 to protect 100,000, put the money in the insurance company, no matter when you suffer from a serious illness, the insurance company will give you a minimum of 100,000 yuan.

Which method do you think is better? Reference: Why do men buy insurance???

According to a survey by medical authorities, the probability of serious illness in a person's lifetime has reached about 72%, which is equivalent to an average of 72 out of every 100 people in their lifetime. Therefore, it is important to buy insurance for critical illnesses.

Hello, friend. Now the environment is polluted, and food safety is endless. Our health is at risk on multiple fronts.

Why not pass the risk on to the insurance company. As long as you invest a small amount of money, you can get a high amount of protection, you can be safe for a lifetime, and you can get the money back, so it is just to put the money from the left pocket to the right pocket. Insurance can be said to be invincible.

Do you say yes or no?

Hello, glad to answer for you! Nowadays, many people feel that critical illness insurance is not necessary, but they don't know that the incidence of critical illness is increasing year by year, and the reasons are self-evident, all kinds of pollution, all kinds of insecurity, and people's lives are under various threats, so as an attitude of being responsible for themselves and their families, it is also necessary to buy it immediately. Buying insurance is actually buying a sum of money, an emergency money, and a future money!

Good health! Great Wall Life Lu Xiaoming creates the best service insurance brand.

Hello! As the living conditions are getting better and better, the probability of getting sick is also on the rise, and now the serious illness is getting younger and younger, and the reason for buying critical illness insurance is that someone pays for us to get sick, and the cost of serious illness is getting more and more expensive, which is difficult for many families to afford. Buy critical illness insurance to protect you from illness, and you can provide for the elderly if you are not sick.

Hello, the standard of living has risen, and all kinds of DU pollution are getting heavier and heavier, and now the dao

The incidence of critical illness is also getting higher and higher, and the younger the answer, the younger the answer. Coupled with the increasing cost of medical care, a serious illness may bring the living standards of many families back to pre-liberation levels. Therefore, it is becoming more and more important to choose critical illness insurance.

It has become the first choice of many people. Insurance is all about using the least amount of money to cover a large amount of urgently needed money. If you are sick, you can still care for the elderly.

Here are some of the numbers behind critical illness insurance, and if you're interested, take a look. Reference: The numbers behind critical illness insurance "Critical illness incidence is felt.

"Critical illness" usually has the following two basic characteristics: first, it is "very expensive", and such diseases require more complex drugs or surgeries**, and need to pay expensive medical expenses. There are two main purposes for the benefits paid by critical illness insurance:

One is to pay for the insurer'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's family as much as possible. The fundamental purpose of critical illness insurance is to provide financial support for serious and costly illnesses**.

Now the main reason is that the general environment is getting worse and worse, the age of getting sick is getting younger and younger, and the treatment is getting more and more expensive, so I can plan more for my future self when I can make money, so that I can have more choices to do in the event of misfortune.

Hello! For your question can be easily understood.

of man's life. The first is that we have not responded to the law in advance of accidental injury, because no one knows when the accidental injury will come; The second is illness, we can solve the minor illnesses and pains on weekdays, but major illnesses cost a lot of money and time, but not everyone will get a major illness, and money must be prepared; The third is pension or education, because we can know and plan for these two stages of money. The original intention of insurance is to focus on protection, that is, to prepare before the risk occurs, so that you can deal with it freely, right?

Critical illness insurance of people's livelihood insurance, sick insurance, sick pension. Xiang can click on the avatar to communicate.

In fact, pension is something we can all predict, but who can predict illness and accidents? Moreover, the incidence of critical illness is getting higher and higher, and with the development of science and technology, many diseases are not incurable, but ordinary people cannot afford so much money to treat them.

Critical illness insurance can generally be paid after a clear diagnosis, and with the continuous development of medical technology, the effect of critical illness** is constantly improving. However, the cost is generally relatively high, and you can make health reserves at a small cost through commercial insurance.