How to pay for death in critical illness insurance, and how to pay for natural death in critical ill

The insurance company will verify the actual insurance terms, and the principle of claim settlement shall be subject to the insurance terms. Different insurance companies have different products, and the claim rules and procedures will be different, so it is recommended to contact the insurance company for detailed consultation.

Tips: The above information is for reference only, if you need to know about Ping An Insurance, it is recommended that you contact Ping An Insurance Company for detailed consultation, Ping An Life Insurance: 95511-1, Ping An Auto Insurance Accident Insurance:

95511-5, Ping An Pension Group Insurance: 95511-6.

Critical illness insurance pays for critical illness, not death.

Death due to illness can only be covered by life insurance.

It depends on how the life insurance part of critical illness insurance is agreed.

If this critical illness insurance is a combination of sum assured life insurance + critical illness, the sum insured will be paid on death.

If the critical illness insurance is a combination of premium life insurance + critical illness, the premium will be refunded upon death.

Depending on the death liability of your critical illness insurance, if it is a consumption type and there is no death liability, the family can go to surrender the policy and get back the cash value; In addition, there are two types of cases: the return of premiums and the amount of insured, so it is recommended that you look at the death liability in the insurance contract.

In the case of critical illness insurance with death liability, death can be paid if the contract is complied with, and if there is no death liability, it will not be paid. Generally speaking, critical illness insurance does not protect the death of the insured, but many critical illness insurance policies on the market now also carry death liability, and often as an additional liability, that is, the policyholder can choose or not, all voluntarily.

There are three main types of payment methods for death liability in critical illness insurance: death benefit sum insured, death benefit insurance cost, and death benefit cash value.

The amount of death benefit insurance means that if you buy 500,000 yuan of protection, then if you unfortunately die, the insurance company will pay 500,000 yuan. If the death compensation is the insurance cost, that is, if the death is done, the insurance company will pay all the money paid by the policyholder for the benefit over the years. The cash value of the death benefit is usually found in consumer-based critical illness insurance without death, and the beneficiary can get back the cash value of the policy after the death of the insured provided that the policy still has a cash value.

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In the case of critical illness insurance with death liability, the death benefit can also be paid for natural death.

If it is a critical illness insurance that does not include death liability, there is no compensation for natural death, not only natural death, but also death due to other reasons.

Hello! It depends on what kind of insurance you buy, if it is whole life insurance, natural death can be compensated, but if you buy accident insurance, it must be due to the death of an accident to pay.

Critical illness insurance means that when the insured is diagnosed with some critical illnesses specified in the contract, the insurance company will pay a certain amount of insurance money for the insured in accordance with the insurance contract. In contrast, if the insured dies due to other causes during the insurance period, the insurance company will not pay the insurance benefit according to the critical illness insurance, in which case the death benefit is usually paid by personal accident insurance or life insurance. Therefore, when purchasing insurance, you should carefully read the terms of the insurance to determine the coverage and amount of insurance to ensure that you get the corresponding insurance coverage when needed.

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1.Double Benefit for Accidental Death: If the insured dies due to accidental death (not caused by illness) during the policy period, the insurance company will pay an additional benefit equal to the basic sum assured, usually 100% of the basic sum assured, in addition to the basic sum assured.

2.Death Benefit: If the insured dies due to illness or accident during the policy period, the insurance company will pay the benefit according to the selected benefit amount, which usually ranges from hundreds of thousands to millions, depending on the insurance company and insurance product.

If you have any questions, you can consult Camel Planning. Camel Planning has a team of senior consultants and experts in the industry, and truly recommends products suitable for users objectively from the perspective of users. There are also technical experts from well-known Internet companies who use big data, cloud computing and artificial intelligence to help users scientifically configure security solutions; There is also a complete and powerful claims assistance team, the team members are senior experts who have been engaged in related fields of the industry for more than ten years, involving claims, law, underwriting, medicine and other fields, so that users can claim insurance without worry.

If you die due to a non-critical illness, the critical illness insurance will not necessarily pay out, depending on the circumstances.

After the insured of critical illness insurance unfortunately passes away due to reasons other than critical illness, whether the insurance company will pay compensation mainly depends on whether the product includes death benefit.

If there is no death benefit, the critical illness insurance will not pay if the insured dies under such circumstances.

Speaking of which, the senior sister would like to remind everyone to pay attention to one point, if you buy critical illness insurance that does not include death protection, the insurance company will not necessarily pay for the death due to illness.

This is because critical illness insurance does not "pay immediately upon diagnosis" for all diseases, and most critical illness claims are made by taking specific measures or reaching a specific status.

Therefore, if the pre-death illness status does not meet the definition of such illness in the terms of the policy, this critical illness insurance will not be covered.

If the insurance liability of this critical illness insurance includes death benefit, then during the insurance period, whether the insured dies due to critical illness or accidental injury, the insurance company will pay the corresponding insurance benefits.

To sum up, it is advisable to purchase a critical illness insurance that covers death benefit if financial conditions allow, as the protection will be stronger.

If you are still very entangled, you can take a look at this in-depth popular science prepared by the senior sister: Is it okay to buy insurance without death? Too naïve, right?

In fact, the so-called "non-critical illness death benefit" refers to the death benefit in critical illness insurance. Secondly, you need to know that not all critical illness insurance policies come with a death benefit. Some products have their own death benefit, but some of them are add-ons, and some products even do not provide death benefit.

For death benefits, you can choose according to your own needs.

For more information about death benefit, here: Can I buy insurance without death? Too naïve, right?

There are two types of payouts after death in critical illness insurance: Sum Insured and Cash Value. If there is a death benefit and the death meets the provisions of the contract, the insurance company needs to compensate the insured for the death, if there is no death benefit, and the death of the insured does not meet the specified coverage, then the compensation will not be paid.

1. Critical illness insurance claim process.

1. Report the case: After the insured has an insured accident, contact the insurance company and report the case in a timely manner.

4. Negotiation: If the insured or his family members have any objection to the amount of compensation from the insurance company, the two parties may negotiate or go to the court to file a lawsuit.

5. Claim: When the insurance company and the beneficiary reach an agreement on the insurance money, the insurance company will issue the insurance money.

2. How much does critical illness insurance generally pay?

The payout of critical illness insurance is closely related to the amount of coverage selected by the user and the type of illness that occurs. The sum insured is the basis, according to the different severity of the disease, according to the proportion of the sum insured, mainly in the following three types of jujubes:

Critical illness: 100 sum insured, for example, 500,000 if the sum insured is 500,000.

Moderate disease: pay 50 60 insurance amount, for example, if the insurance amount is 500,000, you will pay 250,000 300,000.

Mild illness: pay 20 45 sum insured, for example, if the sum insured is 500,000, 100,000 will be compensated.

If it is a critical illness and meets the claim requirements, the sum insured will be paid directly, and if the occurrence is death or total disability, the premise is that the critical illness insurance purchased has this responsibility, and some provisions are based on the paid premium, then the premium will be paid; If there is a specified amount of compensation, then the amount of compensation will be paid; If there is a provision that the highest premium paid, cash value or sum insured will be compensated, then the highest of the three at that time will be compensated. It should be noted that generally if a critical illness is paid first, and the corresponding mild or moderate illness occurs later, it will not be paid, and if the first claim is for mild or moderate illness, the critical illness sum insured will not be affected.