Is it good to buy critical illness insurance, and is it good to have critical illness insurance

Hello! Daddy thinks it's good to buy critical illness insurance.

Critical illness insurance is referred to as critical illness insurance, and from its function and significance, we can know whether it is good to buy critical illness insurance!

1. Function. Critical illness insurance, as the name suggests, is insurance to protect critical illness, of course, with the continuous development, the scope of critical illness insurance protection is becoming more and more extensive, and now the critical illness insurance on the market, in addition to providing critical illness protection, will also cover mild and moderate illness, and even for some special diseases.

In other words, if the insured suffers from an illness agreed in the contract during the insurance period, the insurance company will pay compensation in accordance with the contract if the conditions are met.

So what's the use of this payout?

It's very useful.

We can compare the experiences of two patients with and without critical illness insurance to see the key to this.

30-year-old Xiao Wang was diagnosed with stomach cancer in the early stage this year, and due to the timely detection, the chance of ** is still relatively large.

Because Xiao Wang had configured a critical illness insurance for himself before, after being diagnosed with a critical illness, Xiao Wang directly reported the case to the insurance company and submitted relevant information.

After the insurance company verified that it was correct, it paid Xiao Wang 500,000 insurance money in accordance with the insurance contract.

The insurance premium of 500,000 yuan fully covered Xiao Wang's medical expenses, living expenses and follow-up medical expenses during the ** period, so suffering from a critical illness did not bring greater economic pressure to Xiao Wang.

And Xiao Liu, who also suffers from a critical illness, is not so lucky, he was also diagnosed with stomach cancer in his 30s, because there is no critical illness insurance, in order to treat the disease, Xiao Liu borrowed hundreds of thousands from relatives and friends.

Now the disease is basically **, but hundreds of thousands of debts are still on my back.

And because of the treatment, now the family is surrounded by walls, and the debt does not know when it will be repaid.

The comparison found that Xiao Wang, who was equipped with critical illness insurance, was obviously more calm in the face of illness, while Xiao Liu returned to poverty due to illness overnight and was miserable.

Therefore, it is still good to buy critical illness insurance.

Hope daddy's is helpful to you!

Good.

Critical illness insurance is a one-time payment that can be paid immediately after diagnosis, as long as it is diagnosed with a certain disease as agreed in the contract, regardless of whether there are medical expenses or how many expenses are incurred, the insurance company will pay a lump sum insurance money in accordance with the provisions of the contract. The indemnity is not restricted, and can be used as a ** fee or to make up for the loss of income.

Critical illness insurance is better. The process of paying for major liquid lead diseases on the mobile phone:

1. Install and open the relevant software for medical insurance on your mobile phone, and select the option of [Insurance Payment] after registering and logging in on the homepage and click to enter;

2. It will jump to a new interface, select the first option [Resident Medical Insurance Payment] and click to enter;

3. You can choose to pay for others, as long as you [switch family members], but low-income households and students need to go to the community to pay, if there is no problem, click [to pay the split shed fee];

4. Under [Resident Medical Insurance Payment], there will be relevant options that need to pay medical insurance, and you can click [Next] according to your choice. Prompt the amount to be paid, and then select [I have agreed to the payment instructions] and then select [Payment].

Article 4 of the Social Insurance Law of the People's Republic of China.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.