How to use the money from your health insurance card to buy critical illness insurance

After the insured unit pays the premium, the medical insurance department will entrust the bank to allocate the personal account money to the personal medical insurance card of the insured employee at the end of the month. The personal ID card is used as an identification code, and the personal ID number, name, gender, and detailed information such as the allocation and consumption of account funds are stored. The medical insurance card is undertaken by the local designated ** bank, which is a kind of multi-functional bank debit card.

1. After receiving the form and filling in the form for registration, the manager of the insured unit will copy the "Social Security (Citizen) Card Application Form" on both sides and send it to each new insured, and guide the new insureds to fill in the application form in accordance with the requirements of the application rules.

2. Before the 3rd of the next month after the registration of the photo, the manager of the photographic insurance unit shall arrange for the new insured to bring his ID card (or military ID card, passport) to the designated photo studio of the social security (citizen) card, take a picture of the digital ** of the social security (citizen) card, and paste the **receipt in the corresponding position of the application form. The cost of photographing a social security (citizen) card** is 4 yuan per person.

3. To collect the application form and the cost of production, the manager of the insured unit shall collect the completed "Social Security (Citizen) Card Application Form" of the new insured person before the 19th of the next month after the registration of the insurance, and collect the cost of the social security (citizen) card of 20 yuan at the same time.

There is a wealth of insurance information and high-quality insurance products.

Medical insurance is a welfare policy given by the state to everyone, the insurance threshold is low and the premium is cheap. If you want to buy critical illness insurance in the future, you can choose a product with comprehensive illness protection and strong compensation.

If you want to configure insurance products, you must prepare this insurance knowledge secret to take a look: Versailles Plus Critical Illness Insurance is back, and you must see it before buying in an in-depth evaluation!

1. The responsibility for protection should be comprehensive.

When we configure critical illness insurance, it is best to choose a product with more comprehensive protection. Basic benefits such as critical illness, mild illness and moderate illness are all required. In addition, we also need to focus on whether the product covers high-incidence mild to moderate diseases, whether there are multiple claims for malignant tumors, and premium waiver.

2. Critical illness compensation is strong.

Generally speaking, the greater the payout of critical illness insurance, the more insurance benefits the insured may receive after the accident, and the more confident they will be in overcoming the critical illness. There are many high-quality critical illness insurance products on the market, all of which are set up with multiple claims for critical illness or additional claims for specific age groups, which is undoubtedly more beneficial to the insured!

When it comes to additional indemnity protection, Versailles Plus Critical Illness Insurance is definitely worth mentioning. With this product, if a critical illness is diagnosed for the first time before the age of 60 and the claim conditions are met, the insurance company will pay an additional 80% of the basic sum insured, and if the first critical illness is diagnosed for the age of 60 (inclusive) to 64 years old (inclusive) and the claim conditions are met, an additional 30% of the basic sum assured will be paid.

This kind of compensation method not only strengthens the protection of the important period of family responsibility, but also covers the high incidence stage of critical illness between 60 and 64 years old, which can be said to be very humane.

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Once Tong Jing encounters the disease specified in the critical illness insurance, the critical illness insurance in the medical insurance can be directly reimbursed! For critical illness insurance, the number of diseases is actually not the most important, because the China Banking and Insurance Regulatory Commission itself has made a decision on the 25 critical illnesses that must be insured, and the 25 critical illnesses have covered 95% of all claims. The duration of the insurance is one year.

The advantages are also very obvious, even if you are older, you can buy it, assuming that the premium for insurance over 70 years old is more than 7,000 yuan, compared with other critical illness insurance, this premium is not too expensive.

1. How to buy critical illness insurance is more appropriate.

1. Pay attention to the age limit of the policyholder. Since there are many types of critical illness insurance and the age limit for policyholders varies from one insurance company to another, we should pay special attention to this before purchasing. Critical illness insurance generally has a long term, most of which is more than 10 years, so it becomes more difficult for seniors over 60 years old to buy critical illness insurance.

Therefore, it is more beneficial for policyholders to choose a consumer-based critical illness insurance with longer protection period.

2. Pay attention to the scope of protection. In the process of purchasing critical illness insurance, insurance salesmen will use the number of types of covered diseases as a marketing gimmick, in fact, we only need to pay attention to whether the most important diseases are within the scope of protection, and there is no need to worry about whether there are enough cases covered.

3. Pay attention to the special terms (exemption regulations) and the number of payouts. Critical illness insurance is a little different from ordinary insurance, such as the number of claims and exclusion clauses, and some insurance companies' products only support one claim, so you should pay attention. In addition, the exclusion clause is also a very important point, the insurance company will clearly stipulate the content of the critical illness that cannot be paid in the insurance contract, if the policyholder signs the contract, it means that he agrees, such as the occurrence of the critical illness in the exclusion clause, then the insurance company is not responsible.

4. Pay attention to identifying the qualifications of sales personnel. When buying insurance, you should also pay attention to the fact that you must find a professional with insurance qualifications to buy it, and do not place an order for insurance casually at the first point (such as a bank).

2. What is critical illness insurance?

The so-called critical illness insurance is critical illness insurance, which refers to the commercial insurance behavior handled by the insurance company to pay the insurance premium according to the insurance contract when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. occurs, when the insured reaches the critical illness status agreed in the insurance terms.

3. The difference between medical insurance and critical illness insurance.

1. Critical illness insurance is high, and medical insurance is low;

2. Medical insurance has a deductible, and only if the deductible is exceeded, you can apply for reimbursement, while critical illness insurance does not have this limit;

3. Critical illness insurance pays you money directly, while medical insurance is reimbursement, that is, you pay the money first, and then find the insurance company for reimbursement;

4. Critical illness insurance is a specified type of illness, while medical insurance can be reimbursed if you are sick and hospitalized, and there is no restriction on the type of illness.

Social Insurance Law of the People's Republic of China

Article 58.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for its employees, and apply for social insurance registration. If the social insurance registration is not completed, the social insurance agency shall verify the social insurance premiums that should be paid. Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

Summary. The purchase process of critical illness insurance is as follows: you can first make an appointment with an insurance consultant, compare and select the appropriate critical illness insurance according to your actual situation, and then fill in the health notice, the insurance company will review, if the health notice is passed, you can fill in the insurance information, submit the insurance policy, pay the premium, the insurance company issues the policy, the content of the insurance policy needs to be filled in truthfully, especially the content of the notice column, some insurance companies have realized the electronic policy, but the policyholder and the insured must sign in person, so as to complete the purchase of critical illness insurance.

Purchase of social security critical illness insurance: The purchase of critical illness insurance should first look at its coverage, and it is best to estimate the risk of onset and then decide which type of insurance is most suitable for you based on your own situation. The second is to look at the period of protection of the royal family.

As we age, the incidence of critical illnesses will increase, and premiums are cheaper when you are younger than when you are older, so don't choose short-term insurance just to get cheaper.

The second point: Regarding the proportion of premium expenses of critical illness insurance, an important principle is that it will not have an impact on the standard of living of the target chain and the previous one. Tangerine calls Li is recommended for 7-10% of the annual household income

The third point: look at your own economic affordability, for a customer with a stable income, the longer the payment period of the model lead insurance premium, the longer the payment period, the better. For example, a 25-year-old male doctor can pay the fee in a single payment, 20 years, until the age of 60, etc., and it is recommended to choose the last one, which can maximize the risk spread.

The fourth point of enlightenment: carefully distinguish the scope of diseases and exclusions of the insurance, and truthfully fill in their own physical condition and past medical history and other matters that need to be reported to the gods, so as to protect their own rights and interests.

The purchase process of critical illness insurance is as follows: you can make an appointment with an insurance consultant first, compare and select the appropriate critical illness insurance according to your actual situation, and then fill in the health notice, the insurance company will review, if the health notice passes, you can fill in the insurance information, submit the insurance policy, pay the premium, the insurance company issues the policy, the content of the insurance policy needs to be filled in truthfully, especially the content of the notice column, some insurance companies have realized electronic insurance policies, but the policyholder takes Lu Gao, and the insured must sign himself, In this way, the purchase of critical illness insurance is completed.

In general, purchasing critical illness insurance is based on the following four steps:

1.Consider your budget.

Generally speaking, it is best not to spend more than 10% of the annual household income, including critical illness insurance.

After all, in addition to housing and car loans, ordinary families also have to raise children and take care of the elderly. If the insurance money is more than 10%, it is likely to cause a lot of financial pressure on yourself.

2.Determine the sum insured.

The essence of critical illness insurance is to spend money on insurance. Once a serious illness is obtained, the money from the insurance company can not only be used to treat the disease, but also to buy health care products and pay for the patient's living expenses.

In general, the recovery process of patients also needs to last for 3-5 years, and the amount of insurance purchased should be as much as possible to support the financial expenses during this period.

Therefore, it is recommended that the amount of critical illness insurance start at least 300,000, and if conditions permit, it can reach 500,000 or even higher.

3.Consider the duration of coverage.

The duration of critical illness insurance is flexible. You can choose to keep it for the rest of your life, or you can choose to keep it until you are sixty or seventy years old. So, which is better, life or decades?

Just looking at the guarantee time, it is definitely better for life. However, the longer the coverage period, the more expensive the premium.

For most families, the pressure of lifetime critical illness insurance is relatively high, so you can consider choosing a product that covers you up to the age of 60 or 70.

4.Do health advice.

In addition to the above three points, health notification is also a hurdle when buying insurance. After all, we are not doctors, and it is difficult to remember all medical history in the face of health information, so it is recommended that you check your previous medical records and examination reports before buying insurance.

In case you are not careful, you can easily leave trouble for future claims if you do not comply with the health notice.