Can I make a claim for critical illness insurance after one year of insurance?

Hello, general critical illness.

There is a waiting period for insurance, the general waiting period is 90 days to 180 days, you have been buying for a year, the waiting period has passed, so you can make a claim.

1. Critical Illness Insurance Claim Conditions:

1. The illness of the insured is any disease within the scope of the insurance contract. Therefore, you need to see if your disease is covered by the insurance contract.

2. The illness suffered by the insured shall reach the extent agreed in the insurance contract.

3. If the insured feels that he has signs of critical illness, he or she needs to go to the hospital specified in the insurance contract of the insurance company for diagnosis, keep the diagnosis certificate issued by the doctor, and apply for critical illness insurance benefits according to the critical illness insurance claim process before he can get the claim.

2. Why is there a waiting period for critical illness insurance?

Insurance companies set up waiting periods primarily to prevent moral hazard.

To put it simply, it is to prevent customers from taking out insurance with illness. If there is no waiting period for critical illness insurance, people may buy critical illness insurance when they are not in good health or even have a critical illness, and the insurance company will pay out more than they can afford, and it is very likely that they will not be able to operate. Critical illness insurance covers the risk of illness that a person who is healthy today may face in the future, not the risk of illness that has already occurred.

3. Benefits of Purchasing Critical Illness Insurance:

Critical illness insurance can meet the needs of medical treatment, in order to make us able to afford to see a doctor after a serious illness, critical illness insurance can help us cover some ** expenses that cannot be covered by medical insurance, as well as ** expenses for a long time after illness. Critical illness insurance can protect our family finances from being too affected when the risk of critical illness comes, so that we can deal with the disease calmly. Critical illness insurance is paid for diagnosis, and when the payment conditions are met, the insurance company will pay the agreed sum insured in a lump sum.

This complements the reimbursement of medical insurance. When a critical illness occurs, not only will income be affected, but also expenses such as nutrition expenses and transportation expenses for family members will also be greatly disbursed, and the insurance benefits paid by critical illness insurance can make up for these losses.

Of course, you can, the general observation period is 60 to 180 days.

Critical illness insurance is one year, and the type of insurance insured can be claimed during the insurance period.

After the cooling-off period and in accordance with the terms of the contract, the claim can be made.

Compensation, as long as the waiting period has passed, is generally three months. If you do not deliberately conceal your physical health at the time of insurance, you do not take out insurance with illness, and the insurance company can compensate you if the disease meets the content of the insurance.

If you buy a critical illness, the insurance generally covers you if the critical illness occurs after the 90-day observation period exceeds 90 days, and you can get compensation.

If you have a critical illness, you cannot be insured.

If at the time of insurance.

Didn't tell the truth.

Insurance companies also underwrote it.

Then, after two years of coverage, the insurance is out.

The insurance company will pay the claim.

However, the warranty of the air is within two years.

If the insurance company finds out that the customer is sick.

Didn't tell the truth.

We will terminate the contract with the customer.

Extended Ant Selling Reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

I don't know which kind of critical illness insurance the subject bought, if it is a critical illness insurance with multiple claims, the insurance can still be renewed once.

Some of the best critical illness insurance policies on the market today cover mild, moderate and critical illnesses. Even if it is a single payment for critical illness insurance, minor illnesses will be paid multiple timesMild illness is relative to severe illness, as long as it is detected in time and early**, it can be effectively controlled or even **.

I have reviewed Ping An Life insurance products before, and the subject can see if the products he bought are also in it:How about Ping An Life, what products are there, which ones are good, what are the pitfalls, and in-depth analysis

Agreed-upon matters.

Claim the corresponding insurance benefits.

Look at the terms of the insurance contract.

It's hard to say that commercial critical illness insurance denies coverage for many pre-insured illnesses.

Secondly, there are many exemption clauses and harsh payment conditions, not that you will definitely pay if you get sick, but you can see what is in the contract.

Specific consulting companies go.

As long as it is within the contract insurance period, those who meet the conditions of contract claims can be compensated.

The duration of insurance is the period of coverage provided by the insurance policy, i.e., the time from the beginning to the end of the insurance liability. If you still want to know more about insurance, you can take a look here: Super Complete! Everything you need to know about insurance is here.

According to the protection period, critical illness insurance can be divided into fixed-term critical illness and lifelong critical illness.

If you buy a lifelong critical illness, it is guaranteed for life, no matter when you have an accident, as long as you meet the conditions of the contract, the insurance company will definitely compensate.

However, if you buy term critical illness insurance, you will only be compensated within the coverage period agreed in the contract. For example, if we buy a critical illness insurance product with a coverage period of 30 years, then from the date of signing the contract, if the insured is insured on a certain day in the next 30 years, he or she can be compensated if he meets the claim conditions.

Seeing that some friends here may be entangled, so should I buy fixed-term or lifelong? If you want to know, take a look here: Should I choose term or lifetime critical illness insurance?

In addition, after buying insurance, the policyholder must also fulfill the obligation to pay the insurance premium according to the regulations, otherwise even if the insured is still within the insurance period when the insurance is in danger, it may affect the claim. Why is the policy still affected? If you want to know the answer, you can take a look here:

If I forget to pay the premium, will the policy status lapse?

If you want to buy critical illness insurance, then it is best to buy it in Hong Kong. Here's why:

1. Critical illness insurance in Hong Kong comes with multiple claims and does not need to increase the premium; For example, Manulife's critical illness insurance can pay three times for critical illness cancer, and the first time is 100% of the compensation amount; And there are two additional claims for stroke and heart attack, for a total of 5 claims!

2. Hong Kong critical illness insurance generally has additional protection for the first 10 years, for example, Manulife's critical illness insurance will give an additional 50% protection for the first 10 years, and the premium will remain the same!

3. Hong Kong critical illness insurance has high dividends, and the surrender value of 20 years is almost equal to the sum of the premiums paid in the past, while the domestic critical illness insurance can only be equivalent to the premiums paid when the policy is surrendered after 50-60 years.

4. The multiple claims of domestic critical illness insurance are just learning the appearance of Hong Kong's critical illness insurance, for example, the interval between critical illness and cancer (whether it is ** or new) in Hong Kong critical illness insurance is 3 years, while in China it is 5 years!

The main difference is the above, and the other details will not be repeated, welcome to ask, hopefully, thank you.

In fact, the claim process of critical illness insurance is very simple, and it is mainly divided into the following steps:

Step 1: When the insured finds that he may have a major illness, he should go to the hospital designated by the insurance company for examination and consultation, and when the insured is seeking treatment, the doctor will check and diagnose the physical condition of the insured. It is much more convenient if there is a confirmation letter from the hospital designated by the company's insurance company, and the claim process will be smoother.

Step 2: If the insured person is diagnosed with a critical illness, he or she should immediately report to the insurance company, and confirm whether the critical illness is covered by the company's contract before reporting. After receiving the report, the insurance company will start the corresponding claim procedure and go to the hospital or the insured's home to investigate and understand the situation.

Step 3: Apply for a claim, when formally applying for a claim, you should pay attention to bringing all the information, which will not only save you time, but also facilitate the review of the insurance company's staff, so that the claim time will be shortened. The following documents should be brought along:

The first type of information: the hospital's diagnosis certificate, the hospital's medical records, the summary of discharge, etc., if the ** is carried out in more than one medical institution, it is also necessary to provide the diagnosis certificate of multiple hospitals. Category 2 information:

Hospital's bills, hospitalization bills, and a detailed list of hospitalization expenses. The third type of information: various pathology, laboratory tests, imaging and other examination reports done by medical treatment, and the hospital seal must be stamped in the hospital to be effective.

Step 4: Get compensation. When the claim information is complete, the insurance company will verify and pay compensation according to the agreement for the projects that fall within the scope of the insurance contract.

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

In view of the question of whether the critical illness insurance can still be compensated for illness during the waiting period, we will discuss it in two situations:1Diagnosis during the waiting period, in which case the claim cannot be made; 2.

During the waiting period, the problem is detected, and the critical illness is diagnosed after the waiting period. This situation is complex and can easily lead to claims disputes. Therefore, it is more appropriate to allocate insurance as soon as possible while you are healthy.

During the waiting period, the insurance cannot be claimed, and the premium paid will be refunded. Generally, there are several ways to deal with it:

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1.Accident caused by accident.

The waiting period for all insurance products is based on illness. Therefore, for accidents that cannot be made in advance, the claim can be made normally during the waiting period.

In other words, whether it is accident insurance, critical illness insurance, medical insurance, or term life insurance, you can get a claim if you have an accident during the waiting period.

2.Accidents due to illness.

1) Diagnosis during the waiting period.

If you are diagnosed with a critical illness within the waiting period, you will not be able to make a claim regardless of whether you know that you are sick before applying for insurance.

2) Onset during the waiting period, diagnosis after the waiting period.

The disease was detected during the waiting period, and the critical illness was diagnosed after the waiting period. This situation is more complex and often leads to claims disputes.

So, in this case, if we go to court, how many wins will we have?

It can only be said that for different insurance terms, there will be completely different settlement results.

During the waiting period, it can be said that there is a very small probability of insurance. However, no matter how small the probability is, it is still possible, and in order to avoid trouble in the future, it is always good to find out the situation before applying for insurance.

Insurance companies have set up a waiting period of 3 to 6 months in critical illness products. That is, during the period after the policy is in force, the insurance company is not responsible for the critical illness of the insured, and generally only refunds the premium. The establishment of the waiting period significantly reduces the number of customers who are sick to apply for insurance, so we can define the essence of the waiting period as a mechanism for insurance companies to protect themselves.

If an insured event occurs during the waiting period of critical illness insurance, there are generally the following four ways to deal with it:1Refund of premiums paid, termination of contract; 2.

Return of the cash value of the policy, termination of the contract; 3.Decide whether to terminate the contract according to the way of risk; 4.If there is an accident during the waiting period, there is no liability, and the contract continues to be valid.

On the premise that the coverage content and insurance rate are roughly the same, priority should be given to products with short waiting periods. After all, insurance is meant to mitigate the damage caused by unknown risks, and we don't know when illness will strike.

For a comparison of the waiting period of each critical illness insurance product, please refer to the completeness analysis of each product by AI Understanding Terms Search.

Hello, critical illness insurance generally sets a waiting period of 90 days to 180 days, and whether the insurance can be compensated during the waiting period depends on the actual situation. If it is an accident caused by a non-accident during the waiting period, then the critical illness insurance will not pay, and if the critical illness caused by an accident, such as amputation of both legs, blindness of both eyes, etc., meets the conditions of critical illness insurance, then the insurance will still pay regardless of the waiting period. For more insurance-related questions, you can go to the Sycamore Tree Insurance Network, where there will be a professional insurance planner for you!

If the insurance occurs during the waiting period, it will generally not be claimed. Even if a claim is made, it will be lower than the insured person's expected compensation.

Taking critical illness insurance as an example, if the conditions for claims for mild to moderate illness and critical illness are met during the waiting period, the insurance company can be notified, and the processing method is to refund the premium cash value and terminate the contract.

However, some insurance companies deal with the insurance so that the insurance continues to be valid, but according to the definition of "first (initial) diagnosis", the insurance company does not need to pay for the disease even if it is subsequently diagnosed again.

Therefore, in order to effectively avoid the occurrence of insurance during the waiting period, the father thinks that it is necessary to take out insurance as soon as possible while he is in good health.

The waiting period for the more popular insurance products on the market is generally not very long, and we should pay more attention to the protection content of the product than the waiting period, after all, we buy insurance to avoid risks. "The Correct Posture for Critical Illness Insurance".