Can I buy several copies of critical illness insurance, and can I buy multiple copies of critical il

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Critical illness insurance can be paid out in multiple cases if you buy multiple copies. Because critical illness insurance is a fixed payment type, multiple critical illness insurance policies can be paid at the same time. Under normal circumstances, life insurance products such as accident insurance, fixed-payment critical illness insurance, and term life insurance will pay compensation within the scope of the policyholder's liability after the policyholder is out of insurance, and the number of insurance shares will not be affected.

However, it is not possible to make multiple payments for cost-reimbursement medical insurance or children's insurance with a limit of benefits.

For example, if Xiao Zhang buys two copies of critical illness insurance, and unfortunately suffers from a malignant tumor after the waiting period, Xiao Zhang can get the claim of critical illness insurance A + critical illness insurance B, which is simply how much you buy and how much you pay. It should be noted that the premise of multiple critical illness insurance policies for simultaneous and repeated claims is based on the fact that the insured accident occurs at the same time and meets the claim conditions of multiple critical illness insurance.

If you want to know more about critical illness insurance, Camel Planning is here to help. Camel Planning's critical illness insurance service has a simple and fast claim process, which ensures that users can be protected smoothly in the event of major accidents and illnesses. Compared with traditional insurance claims, Camel Planning's critical illness insurance claim process is simpler and more automated, reducing waiting time and greatly improving the efficiency of user claims.

Buy several copies of critical illness insurance, as long as it meets the provisions of the contract, you can get compensation, because critical illness insurance is a benefit-type insurance, and there is no conflict between benefit-type insurance in terms of claims.

So is there a conflict between critical illness insurance and other insurance claims? If you want to know the answer to this question, you may wish to take a look at this article:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

However, generally speaking, if you can buy enough protection at once, it is not recommended to buy multiple critical illness insurance, because the premium may be more expensive, and it is more troublesome to manage multiple policies.

When choosing critical illness insurance, you can choose a product with comprehensive protection and strong protection, and buy sufficient protection at one time.

The first is the sum insured, it is recommended to buy at least 300,000 sum insured, generally speaking, the sum insured of 500,000 is more appropriate, which can cover the ** cost of critical illness and 3-5 years of income.

If you still don't know how much insurance to buy, you can refer to this article:

How much insurance is appropriate? Let's talk about the doorway inside.

The second is the content of the insurance, the content of the insurance needs to cover mild, medium and severe coverage, and other insurance content also needs to be relatively rich, such as the incidence and rate of cancer are very high, so it is best to have malignant tumors - severe secondary compensation protection.

In addition, it also depends on the compensation ratio, if the compensation ratio of the product is relatively high, it is conducive to us to get more compensation. Therefore, when the coverage content, premium, payment period and other circumstances are similar, it is recommended to give priority to critical illness insurance with a high compensation ratio.

So what are the good critical illness insurances? If you want to quickly find a partner with critical illness insurance that suits you, you may wish to take a look at the list below:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Generally speaking, there is no limit on the number of insured copies of critical illness insurance, as long as the insured's insurance is in line with the claim standard, the insurance company will pay the corresponding compensation according to the insurance amount stipulated in the contract, so no matter how many critical illness insurance products you buy, as long as you meet the payment conditions of the contract, you will have the opportunity to get compensation.

Critical illness insurance is a fixed-payment type of insurance, as long as you are diagnosed with diseases and symptoms that meet the requirements of the insurance contract, you can get compensation, regardless of the actual medical expenses, and are not affected by other insurance reimbursements. So theoretically speaking, it is okay to buy multiple critical illness insurance policies and stack the sum insured.

Yes, but please note that some critical illness insurance products will ask about other products and the sum insured before applying. Here is a comparison table where you can find your intended products:Comparison table of 136 critical illness insurances

There are three types of claims, payment, reimbursement, and allowance. So what kind of critical illness insurance is?

1. Types of claims for critical illness insurance.

Critical illness insurance is a benefit type, that is, if you meet the conditions for claims, you can pay multiple claims with multiple policies, and choose whether to insure multiple policies within your financial ability.

Critical illness insurance can be used to make up for the loss of income after the occurrence of a critical illness within the protection period and the claim conditions are met, and the insurance company will pay the sum insured in a lump sum, and the sum insured is not restricted, which can be used for **, ** and other expenses to make up for the loss of income.

If you want to give yourself more protection, you can buy a whole life critical illness insurance to avoid buying multiple critical illness insurance policies that protect you until the age of 60 or 70, but you don't have any protection at the peak of critical illness in your life, and you have to pay your own medical expenses for nothing.

Then take a look at other better critical illness insurance options on the market. If you don't know what better critical illness insurance options there are at the moment, you can take a look at the following summary:Top 10 Popular Critical Illness Insurance Points Worth Buying!

2. Pay attention when buying multiple copies.

However, many critical illness insurance health notices will clearly ask you a question: "Have you purchased critical illness insurance from other insurance companies" or "Critical illness insurance with an insured amount of more than 500,000", etc., you must answer truthfully in this place, if you lie, you may be denied compensation later.

Answer: Multiple critical illness insurance products can be paid at the same time, and critical illness insurance products are all claim-based, that is, if the claim conditions are met, the insurance company will pay a lump sum compensation. For example, if you buy three critical illness insurance policies at the same time, and after suffering from a critical illness and meeting the claim criteria, and the A critical illness insurance pays 300,000 yuan at one time, then the B critical illness insurance and C critical illness insurance can be superimposed.

Insurance Law of the People's Republic of China Article 26 The statute of limitations for the insured or beneficiary of insurance other than life insurance to claim compensation or payment of insurance money from the insurer shall be two years, calculated from the date on which the insured knows or should have known of the occurrence of the insured event. The statute of limitations for the insured or beneficiary of life insurance to claim payment of insurance money from the insurer is five years, calculated from the date on which the insured knew or should have known of the occurrence of the insured event.

Critical illness insurance is a one-time payment of the sum insured after the occurrence of a critical illness during the insurance period, and the claim conditions are met, and the sum insured is not restricted, which can be used for expenses such as ** and ** can also make up for the loss of income. Prevent families from falling into financial death due to serious illness.

Critical illness insurance is a benefit type that meets the conditions for claims, and multiple claims can be made with multiple policies. Choose whether to apply for more than one application within your financial means.

Critical illness insurance products are claim-based products, which can be purchased in multiple copies, and each insurance company will make a claim based on the claim materials, without affecting each other.

Medical insurance is a reimbursement type, which is based on the real medical expenses for reimbursement, and it is necessary to provide invoices, and the maximum amount of reimbursement is the real medical expenses, so medical insurance can only buy a full coverage.

Whether multiple insurance policies can be combined depends on the specific type of insurance.

As people pay more attention to their physical health, critical illness insurance is becoming more and more popular. There are various forms of insurance products that involve critical illness protection, ranging from pure protection critical illness insurance, which only pays for critical illness, to critical illness insurance, which exists as an add-on. Critical illness insurance is usually of the early payment type, as long as the payment conditions agreed in the contract are met, the insurance company will pay the insured critical illness insurance benefits according to the contract, and there is no conflict between repeated claims.

As a simple example, suppose the policyholder buys a critical illness insurance policy in the company, and then buys a whole life insurance with a critical illness insurance in the company, which leads to the situation of duplicate insurance for critical illness insurance. If you are diagnosed with a critical illness and the illness is insurable in several insurance policies, and you meet the payment criteria, you can get compensation from both insurance companies at the same time.

However, it is worth noting that once the insurance company pays the critical illness insurance benefit, the corresponding critical illness insurance contract will be terminated. If the purchased critical illness insurance is an add-on insurance, it may lead to the termination of the contract of the main insurance as well, and although you can get multiple benefits from the critical illness insurance after making a claim, you will also lose the protection of the main insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There is no limit on the number of copies of critical illness insurance, and the policyholder and the insured can purchase multiple copies according to their actual needs, but the following points need to be noted:

1.For example, a critical illness insurance company will ask "whether the cumulative sum insured of the critical illness insurance (including fixed-payment cancer prevention insurance) that the insured is applying for or has taken effect in the company (excluding this time) and other insurance companies is greater than or equal to 1 million", and the insured also needs to tell the truth and do not conceal it;

2.Critical illness insurance is a fixed-payment insurance, so it can be claimed repeatedly, but when paying the death benefit of a minor, the sum of all critical illness insurance claims - no more than 200,000 yuan under the age of 10 and 500,000 yuan between the ages of 10 and 17.

Specifically, you can consider buying three to five times the sum insured of your annual income, that is, if you unfortunately suffer from a critical illness, the insurance money paid by critical illness insurance can ensure that even if you are unable to go to work for three to five years, you can still have a certain amount of funds to protect your basic life. Of course, if the premium budget is sufficient, the higher the sum insured of critical illness insurance, the more practical it will be on the premise of not affecting the normal operation of the family economy.

Health insurance is not the same as critical illness insurance, but health insurance includes critical illness insurance. Health insurance refers to health insurance, including sickness insurance, medical insurance, disability income loss insurance, nursing care insurance, etc. Among them, sickness insurance includes two forms: general illness insurance and critical illness insurance.

Medical insurance reimburses the insured person for reasonable and necessary medical expenses incurred as a result of illness or accident. Disability income loss insurance can protect the insured from losing or reducing income due to disability, inability to work due to illness or accident, and the insurance company can pay the insurance money in installments within the period agreed in the insurance contract.

Hello, policyholders can purchase multiple critical illness insurances. Critical illness insurance is a fixed payment type, as long as it is a contract insurance and meets the claim conditions, whether it is a critical illness or a minor illness, you can make a claim. If you buy a mountain beam for several points, you can initiate a claim at the same time after the accident, and the more you buy, the more you will lose.

However, as long as the insurance condition is triggered, then you can get multiple claims, and the more you buy, the more you will lose. Amusement rock luck.

Yes, you can buy multiple copies of critical illness insurance. This is because there is no clear limit on the number of copies purchased in critical illness insurance. Specifically:

1. Critical illness insurance is a quota payment, as long as the diagnosed disease is within the scope of the contract, it is paid according to the terms of the contract, and the insurance company pays according to the proportion of compensation in accordance with the contract, and the payment can be repeated.

3. From the perspective of the insurance company, insurance multiple illness insurance means more compensation, in order to avoid business risks, there are insurance restrictions on insuring heavy front dust disease insurance in the same insurance company, and the critical illness insurance in the health notice will ask about the insurance, how much critical illness insurance is insured in other insurance companies, and it is necessary to truthfully inform the insurance company, because the amount of critical illness insurance will affect the underwriting record.

There is no limit on the number of copies of critical illness insurance, and the policyholder and the insured can purchase multiple copies according to their actual needs, but the following points need to be noted:

1.For example, a critical illness insurance company will ask "whether the cumulative sum insured of the critical illness insurance (including fixed-payment cancer prevention insurance) that the insured is applying for or has taken effect in the company (excluding this time) and other insurance companies is greater than or equal to 1 million", and the insured also needs to tell the truth and do not conceal it;

2.Critical illness insurance is a fixed-payment insurance, so it can be reclaimed, but when paying the death insurance benefit of a minor, the sum of all critical illness insurance claims - 10 years old and under the age of 10 shall not exceed 200,000 yuan, and the age of 10 to 17 years old shall not exceed 500,000 yuan.

Which insurance company is better for critical illness insurance.

A person can purchase multiple critical illness insurance, and critical illness insurance refers to an insurance clause on critical illness protection agreed between the insurance company and the insured. When the insured suffers from a critical illness in the clause, the insurance company pays the insured a lump sum of medical expenses according to the provisions of the insurance contract. It is possible to make a claim for the purchase of multiple copies at the same time.

The main buyers of critical illness insurance are those who act as the breadwinners of the family. Because once they fall, it affects the life of the whole family. The protective effect of critical illness insurance can reduce the losses caused by this possibility.

Secondly, even minors such as children also need to purchase critical illness insurance. One is because they are not yet mature and have a higher risk of serious illness. Moreover, their illness may also affect the status of their parents, which in turn affects the family's income.

In addition, young people in their twenties and middle-aged people under the age of 55 are also among the main people who buy critical illness insurance. The former can purchase critical illness insurance to protect against the economic risks caused by future diseases, while the latter is due to the rapid increase in the incidence of critical illness after the age of 55, and critical illness insurance can effectively improve personal protection.

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