Can I still buy insurance after a critical illness insurance claim, and how to buy it?

First of all, critical illness insurance.

If you have made a claim, you can only buy life insurance, but accident insurance.

Optional. And buy health insurance (medical insurance.

Cancer prevention insurance, critical illness insurance) is extremely low, and the insurance is basically denied. Unless there are some less serious diseases.

However, there are also individual special circumstances that may still have a chance?

1. For example, you have purchased a product with multiple claims for critical illness before.

That is, after getting a critical illness, the policy will continue to take effect after the first claim is obtained, and the later premiums will not have to be paid.

2. Third ......Serious illness or complications.

Serious illnesses can still be covered.

If the critical illness is not repeated or not in the same group each time, there is a time interval between each critical illness, which is generally required to be 180 days or 1 year later.

2. At present, there are some specific critical illnesses in the market for patients with relatively mild critical illnesses or good postoperative recovery, and some specific diseases can still be covered separately in the later stage.

If you're not afraid of a sudden serious illness taking away everything from you, then you don't have to buy it.

If you can't wait until you get sick to buy it, it will be too late, not only will the premium become expensive, but also the insurance you want to buy will be limited by the conditions, and you can't buy it.

Generally speaking, critical illness has the following characteristics:

The condition is severe: are serious, even life-threatening diseases;

The cost is huge: Need to carry out more complicated** and pay expensive medical expenses;

Not easy**: It will last for a long time, even permanently.

Critical illness insurance, also known as "critical illness insurance", is the abbreviation of "critical illness insurance".

It is a critical illness as stipulated in the insurance clause, and when the insured suffers from a disease that meets the claim, the insurance company will pay a lump sum of money.

The amount of this money has nothing to do with how much medical expenses are spent, and it has nothing to do with how much money is reimbursed in social security or other places, but only with the amount of critical illness insurance we buy.

After the claim money is in hand, we can spend it freely, like other money in our pockets, we can spend it as we want, which can be used for treatment, family expenses, physical therapy abroad, ****, buying nutritional products, etc.

If you suffer from a critical illness, not only do you need to have multiple times, but you may not be able to work for several years and need long-term recovery, and these all cost money, which is also the original intention of the design of critical illness insurance products.

1. Pure critical illness insurance with death benefitUnder normal circumstances, the sum insured for death and critical illness is the same for this type of insurance, and after the critical illness is paid, the death liability will not be paid again, and only one of the two can be selected. At present, this type of insurance is the mainstream product type in the market.

2. The main insurance is life insurance, with additional critical illness protectionGenerally speaking, this type of insurance product can be called early payment critical illness insurance. In other words, if you suffer from a critical illness, the life insurance benefit, that is, the death benefit, will be taken out in advance to pay for the critical illness.

3. Products that only take care of critical illness, not death:For this kind of commercial insurance products, in layman's terms, it is actually the product itself that does not include death benefit, and only has insurance liability for critical illness.

In addition to the three situations mentioned in the insurance of critical illness and death, in fact, there are products that can pay for critical illness protection and death benefit separately, but the premium is very expensive, after all, it has both critical illness protection and death protection, which is equivalent to having both critical illness insurance and life insurance, so it naturally needs to spend more money.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and screened out the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

First of all, is it necessary to buy critical illness insurance?

According to the incidence of critical illness in China, as long as you live long enough, the probability of getting a critical illness is 100%. Of course, this is not to scare you, people over the age of 40, the incidence of critical illness is increasing year by year.

Secondly, the ** cost of critical illness is 30-500,000 yuan (500,000 yuan is not curable, and it is basically not cured by spending money, except for some very rare cases). The cost of 30-500,000 yuan is a large amount of savings for ordinary families, especially for people with a lot of housing and car loans, 30-500,000 yuan in cash is still very tricky, and no one wants to give the hard-earned money to the hospital in the end, right?

Finally, insurance is an economic lever that trades less premiums for higher sum insured. That is, to transfer specific life risks, especially for young people in the rising stage of their careers, and people with high debts, critical illness means losing everything, and losing all the time. With a premium of 10,000 yuan a year, to give you a certain future, is there anything more cost-effective than this?

The second question is that critical illness liability and death liability are two different liabilities. To put it simply, you have to spend two pieces of money to solve two things, and your problem is the other way around, and if you spend one money, you can either pay for critical illness or death, isn't it great? Above.

As critical illness insurance becomes more and more complex, many people often struggle with whether to bring death protection when buying critical illness insurance. In fact, if you don't consider economic factors and want to save trouble, you can consider attaching death benefits, but if you want to spend every penny on the blade, it is still recommended to buy it together.

Whether you can buy insurance after a critical illness insurance claim depends on the actual situation, if you want to buy health insurance such as critical illness insurance and medical insurance, the probability of successful insurance is small. Because these types of insurance have very strict requirements for the health status of the insured, if you have already suffered from a serious illness with a skin disorder, then the risk of claims for the insurance company is relatively large, and the insurance company is likely to refuse the insurance. However, you can consider taking out accident insurance, annuity insurance and other products that do not have high health requirements.

If you are a small partner who is not in good health and want to configure insurance, you can take a look at this insurance strategy first:Remember these 5 steps to burn dry, so that you can smoothly apply for insurance with illness!

You must know that health information is required when purchasing critical illness insurance and medical insurance, and we must answer truthfully according to the actual situation and truthfully inform the mentioned past medical history. Do not deceive and conceal things in order to successfully apply for insurance, if the subsequent claims insurance company retrieves information to verify that there is a fraud in the health notice, the insurance contract may be invalidated, and in serious cases, the consumer will be held legally responsible.

Since the requirements for health notification are different for different insurances, we can compare different insurance products to find out the products with loose health notices to increase the probability of our successful insurance.

In addition, the senior sister suggested that it is best to choose intelligent underwriting and manual underwriting products, intelligent underwriting is usually a set of questions to ask, can get results relatively quickly, if there is an objection to the results of intelligent underwriting, then we can apply for manual underwriting, manual underwriting is more humane, will give a more reasonable and specific underwriting conclusion for the actual condition of the insured.

Hope.

Critical illness insurance that has been paid for 8 years can be surrendered in the following ways:

Surrender process:1To go to the counter of the local insurance company to manually handle the surrender, you only need to bring your ID card, insurance policy and bank account, fill in the surrender application form, and consult the specific information required for surrender;

2.According to the requirements of the insurance company, it is necessary to prepare the application for termination of the insurance contract (which can be filled in on the official website of the insurance company** or at the offline service outlets of Ping An Insurance Company), the insurance policy, the ID card of the policyholder, the premium payment certificate, etc.;

3.Bring the surrender information to the insurance company's counter to apply for surrender.

4. After the information is approved, the policyholder is required to fill in the application form for terminating the insurance contract, and the insurance company will generally withdraw the policy, and the surrender money will be returned to the bank account designated by the policyholder within the agreed time.

5. If the policy is surrendered within the cooling-off period, the entire premium can be refunded after deducting the cost of 10 yuan. The cooling-off period generally starts from the receipt of the contract.

6. If the hesitation period has passed, the only thing that can be returned is the cash value.

Henghuibao is a customized inclusive supplementary medical insurance for Hengshui exclusive cities. As long as the basic medical insurance in Hengshui City, including the medical insurance for urban employees, the medical insurance for urban and rural residents can be insured. There is no limit to age, occupation, household registration, no health condition, pre-existing conditions can be insured and compensated, and the specific coverage is as follows:

1. The maximum reimbursement for inpatient medical expenses in the basic medical insurance catalogue is 1 million, the deductible is 10,000, the compensation ratio is 80%, and the compensation ratio for the four types of major pre-existing conditions is 35%.

2. The maximum reimbursement for inpatient medical expenses outside the basic medical insurance catalogue is 1 million, with a deductible of 10,000,000 yuan, and the reimbursement ratio is 50%, and the four categories of major pre-existing conditions are not compensated.

The maximum insurance amount is 1 million, the deductible is 0, the compensation ratio is 80%, and the compensation ratio for people with pre-existing conditions is 20%. The use of overseas special drugs shall be evaluated and declared by experts from the designated hospitals of Boao Lecheng before being used in the designated hospitals of Boao Lecheng, and the specific process shall be subject to the application and approval authority of the hospital.

If your blood sugar is normal, you can buy insurance.

1. Critical illness insurance: If the blood sugar is high and the fasting blood sugar is less than and the glycosylated hemoglobin is normal, the critical illness insurance can be underwritten by standard or additional cost.

2. Medical insurance: if the fasting blood sugar is less than and the glycosylated hemoglobin is abnormal, the medical insurance subject may increase or refuse to insure, or remove the liability underwriting.

3. Accident insurance: Because high blood sugar is not equal to diabetes, and it is not within the scope of accident insurance, accident insurance can be underwritten by Jianbi quietly.

5. Life insurance: Patients with impaired glucose tolerance who have not suffered internal organ loss and complications can generally purchase insurance as normal.

6. High blood sugar is one of the "three highs", even if the patient has recovered the positive slag when applying for health insurance, it is necessary to tell the truth, long-term high blood sugar may lead to diabetes, and diabetes will affect the cardiovascular and cerebrovascular, heart, eyes, etc., the risk underwritten by the insurance company will increase, and the insurance company may refuse to pay for the insurance.

Whether or not critical illness insurance can be purchased can be comprehensively considered by the policyholder according to his or her own financial situation, physical health status, special protection needs, etc.

1. Economic situation, the premium of critical illness insurance accounts for the majority of the total family premium budget, and it is necessary to plan according to your own budget.

2. Physical health, critical illness insurance refers to the commercial insurance that the insurance company will appropriately compensate for the medical expenses incurred when the insured suffers from a critical illness. Therefore, the physical condition is particularly important.

3. Special protection needs, there are also many products in critical illness insurance that include protection for mild and moderate illnesses, and policyholders can judge whether to purchase them according to their own protection needs.

Hello! Critical illness insurance is available.

Critical illness insurance refers to the commercial insurance behavior provided by the insurance company for the protection of serious illnesses, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., when the risk occurs, when the insured reaches the critical illness status agreed in the insurance terms, the insurance company pays the insurance money according to the insurance contract.

Affected by environmental changes, critical illnesses tend to be younger, and the incidence is not low.

According to statistics, the average cost of critical illness needs to reach 220,000 yuan to 800,000 yuan.

This amount is undoubtedly a huge amount of money for ordinary families, how to raise this money?

We've seen a lot of fundraising before, but it doesn't solve the problem very well.

If you want to get a first-class fund as soon as possible, allocating critical illness insurance in advance is a more scientific choice at present.

Critical illness insurance is a protection product, unfortunately suffering from a critical illness, if you meet the conditions, the insurance company will pay the critical illness insurance money, this fund can be used as a **expense, can be used as a **expense, can also be used as a family economic income compensation.

If you are worried that the insurance company will not be able to cover the claim liability after applying for critical illness insurance, you can find out the insurance company's situation in advance.

But then again, even if the underwriting company encounters an extreme situation and is unable to settle the claim, the CBIRC will take care of it, and the other insurance companies will bear the responsibility for the claim.

Through the above analysis, the answer to whether critical illness insurance can be bought is self-evident.

I hope Daddy's is helpful to you.