Critical illness insurance claims life insurance is gone

Hello? Maybe the other company's product is a critical illness claim, and the contract is terminated. That's why other companies have slightly cheaper premiums.

Ping An Fu is different, it gives away eight kinds of mild critical illness, does not affect the critical illness compensation, in case of development of critical illness, can be paid in advance, the value of the insured is relatively reduced, but the contract is still valid, accidents, additional insurance, etc. can continue, this is the difference. Please learn more about the comparison of each company's products and choose wisely! I wish you a good guarantee as soon as possible!

Looking at the specific terms of the policy contract, if the life insurance and critical illness insurance are the same after the general combination of products, the life insurance will be reduced by the same amount, in this case, the life insurance will be gone after the claim, and the policy will be terminated!

Hello, generally speaking, if you buy pure critical illness insurance, the contract will be terminated after the critical illness claim is made, and there is a critical illness insurance for Chinese life, which guarantees one and pays three, and the most important thing is to see how the clause stipulates.

Critical illness was claimed. Then the contract of critical illness insurance is terminated. Other types of insurance will continue to be valid. For example, annuity insurance. Participating insurance.

If your life insurance is more than your critical illness coverage, life insurance is still available.

The contract will be terminated after the claim is settled, and the contract shall prevail.

Each company's insurance liability is different, and the general situation is that the critical illness claim and the insurance contract is terminated!

Critical illness claims do not affect life insurance, but critical illness insurance is not insured.

Dear Hello Critical Illness Early Payment The sum insured of the main insurance is reduced by the same amount The premium is relatively low There is also a kind of critical illness payment that does not affect the sum insured of the main insurance The premium will be very high.

Depending on what you buy, it's usually still there!

Mainly based on your contract, in the future, you can invest in life insurance without designing a protection type.

The critical illness was paid and the contract was terminated.

Depending on what your contract is, you can chat privately.

Hello, it is advisable to check the terms of your contract, the design of each product is different.

If the critical illness insurance includes death liability, the insurance company will pay the death benefit according to the death benefit agreed in the policy as long as the insured person's death meets the payment conditions of the insurance company. However, if the critical illness insurance does not cover the death liability, the insurance company will not pay out even if the insured dies.

Is it okay to buy insurance without death? Too naïve, right?

However, when we buy critical illness insurance, we should not only look at whether it will bring death, but also pay attention to some other aspects, as for which aspects? Senior sister, let's talk about it!

1.Returnable critical illness insurance.

Many friends think that after buying returnable critical illness insurance, they can take money to treat the disease when they suffer from it, even if the insurance expires, they will give you a refund, but in fact, this kind of critical illness insurance is boring.

Return-type insurance is expensive, poorly protected, and about 50% more expensive than non-refundable consumer-based critical illness insurance, which is equivalent to a consumer-based critical illness insurance of about 5,000 yuan, which will be sold for 10,000 yuan after becoming a return-type critical illness insurance.

In addition, the money that insurance companies promise to return after decades will become less and less valuable in the face of monetary inflation.

If something happens, there will be money to pay, and the money will be paid back to you if you have nothing to do - return insurance to understand!

2.Whether the critical illness is grouped.

For multi-claim critical illness insurance, it is best not to group critical illnesses, and if one critical illness is compensated, the others can continue to be paid. The critical illness insurance that groups the diseases will only pay for the same group of diseases once, and if you suffer from the same group of critical illnesses during the second illness, you will not be claimed!

Moreover, multi-claim critical illness insurance is usually more expensive, so you should choose according to your budget.

3.Combined with their own situation.

Many critical illness insurance plans have options for whole life and term insurance, with lifelong critical illness insurance being more expensive than term critical illness insurance.

Of course, it is definitely better to protect lifelong critical illness insurance, but if the budget is limited, you still have to choose critical illness insurance such as death and life.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

If the critical illness insurance policy provides death benefit, the insurance company will pay a sum of money to the beneficiary according to the terms and conditions after the death of the insured.

The beneficiary can use the money to support himself or herself and use it for living expenses.

If you have the idea of applying for critical illness insurance, but don't know how to choose, you can also take a look at these products first: Top 10 popular critical illness insurance points worth buying!

Regardless of whether the critical illness insurance covers death liability or not.

If the insured suffers from a critical illness and is eligible for compensation, the insurance company will pay the compensation normally.

If the insured dies later, the insurance company will not pay the benefits.

Critical illness insurance covers death liability

If the insured suffers from a critical illness but does not meet the conditions for compensation, and later dies, the insurance company will pay the sum insured normally.

Critical illness insurance does not cover death liability:

If the insured suffers from a critical illness but is not eligible for compensation, and later dies, the insurance company will not pay the benefit.

It depends on what kind of critical illness insurance you are buying.

Some critical illness insurance policies do not provide death benefit, and death during the insurance period only returns the premium or cash value;

Some critical illness insurance includes death benefit, and if you die within the insurance period, if you have not paid the critical illness insurance benefit, then the death insurance benefit will be paid according to the insured amount.

It depends on what kind of critical illness insurance you buy.

Some critical illness insurance plans do not provide death benefit, and death during the policy period is only the premium or cash value.

the return of the ; Some critical illness insurance plans include death coverage. If you die while covered by insurance, if you do not pay critical illness insurance.

You will pay the death benefit according to the sum assured.

Critical illness insurance. It is an insurance product used to transfer the economic risk of a serious illness. If the death benefit liability is included, it means that the product itself has the attributes of life insurance. Based on this, we can divide the death liability products of critical illness insurance into two categories:

1.The main insurance products are life insurance with additional critical illness insurance. For example, we are familiar with Ping An Fu and China Life Fu are such products, which are called "critical illness insurance" by many companies with high brand awareness.

2. The main insurance product is critical illness insurance, and the death liability insurance is additional insurance or additional function. Most of these products are critical illness insurance products sold online.

Whether or not death liability is covered by critical illness insurance. The insured suffers from a critical illness.

If the compensation conditions are met, the insurance company will make normal compensation. The insurance company will not compensate for the death of the insured.

Critical illness insurance covers death liability: if the insured person becomes seriously ill but does not qualify for compensation and later dies, the insurance company will usually pay the sum insured.

Critical illness insurance does not cover liability for death: if the insured suffers from a critical illness but does not qualify for compensation, and subsequently dies, the insurance company will not pay compensation.

Extended information: For the payment of serious illness and death liability, we can divide it into four categories according to the different amounts of compensation:

1.Death Sum Insured.

Taking the above-mentioned Ping An Fu as an example, the essence of this product is life insurance aggravated illness insurance. The sum insured of the main insurance.

It will be higher than the sickness insurance, generally more than 10,000 yuan. It is a type of insurance that shares the amount of insurance, that is, if you have previously made a claim for a serious illness, the death liability of life insurance is only 10,000 yuan. Of course, if there is no insurance for critical illness liability, the basic amount of insurance is given directly.

2.The cash value returned upon death.

The cash value of critical illness insurance increases with the length of the policy. You can check them one by one according to the year on the first page of the contract. In general, if the cashback value is clearly stated in the contract, the amount is relatively small.

3.Refund of death premium.

This situation is mostly used in the death design of critical illness insurance for children before the age of 18, so that customers feel that there is no loss of principal and prevent moral hazard.

of occurrences. 4.The greater of the sum insured, the full premiums paid and the cash value.

This product design.

It is mostly used in participating life insurance products. Due to the dividend nature of the product, the cash value of the policy will be greater than the sum insured after a certain number of years.

How to pay out after the death of critical illness insurance depends first on whether the product provides death protection, and only if it is provided, will it be compensated; Secondly, the method and proportion of the death benefit also depend on how the contract stipulates. For example, Tongfang Global Life Versailles Plus Critical Illness Insurance has two versions, one is the version of the death benefit and the other is the version of the death rebate premium. If you are struggling to choose whether to choose death benefit or not to buy critical illness insurance, and what method to choose for death benefit, you can take a look at how this article analyzes:

Should I choose the Death Refund Amount for Whole Life Critical Illness Insurance?

If it is a critical illness insurance without death benefit, which is what we often call consumption-based critical illness insurance, the premium will be relatively cheaper, but it is slightly inferior to savings critical illness insurance (whole life critical illness insurance with death benefit) in terms of the certainty of compensation. As for the return-type critical illness insurance, the death benefit is mainly provided by the combination of both comprehensive insurance. However, return-based critical illness insurance tends to lack some necessary protection such as mild to moderate illness, and the premium is relatively expensive, and the insurance leverage is not as high as that of consumer-based critical illness insurance and savings-based critical illness insurance.

In addition to the death benefit, we also need to see whether the product covers the mild to moderate illness corresponding to the high-incidence critical illness, and the corresponding proportion of the mild to moderate illness benefit must reach at least 30% and 60% of the basic sum assured, so that the insured can have enough courage to face unknown economic risks. In addition, a good critical illness insurance will also provide additional compensation for critical illness, multiple claims for severe malignant tumors, etc. Because the probability of malignant tumors is relatively high, there is also a certain possibility that the disease will persist and metastasize.

If you want to buy a good critical illness insurance, this insurance strategy is recommended to collect it first: a good critical illness insurance looks like this! You've been lied to for so many years.

It depends on the specific provisions of the contract.

If you have purchased critical illness insurance with death liability, and the actual circumstances of the insured's death meet the conditions for compensation in the insurance contract (such as the cause of death), then the insurance company will pay according to the agreed death insurance benefit.

It is irrational for many people to think of litigation when they encounter a situation where they do not pay compensation.

The insurance contract is generally very clear, what will be paid and what will not be paid. If it weren't for some unreliable insurance company, it would be very unlikely that the terms of the contract would be fussed.

So we always say, try to buy insurance products from large companies, large companies have money, if there is a situation where you can pay or not, you will be compensated if you take a little side.

If there is a situation of non-compensation, you must negotiate to solve it first, you are a customer of the insurance company, even if the contract does not pay, you can still get some after negotiation.

In the second half of 2017, a customer of our AIA committed suicide by jumping off a building, postpartum depression, and the contract was not compensated for less than two years, but after negotiation, the company still refunded part of the premium out of care.

In short, in the case of insurance non-compensation, it must be based on negotiation, and it is really difficult to take advantage of the litigation channel.

Sorting out the claim process: In fact, as long as you understand the process, it is not difficult to make a claim for critical illness insurance, and it is generally 4 steps: report the accident:

Preparation of claim information: After understanding the form of the accident through the other party, notify the submission of the claim information, and the offline insurance company can directly go to the insurance company's counter to hand it in, and after the online critical illness insurance is in danger, the claim materials will be mailed by paper method;

Claim verification by the insurance company: In the case of clear critical illness claims and complete information, the claim verification answer will usually be given within 7 working days, and the results will be obtained within 30 days for major doubtful cases;

Payment to receive the claim payment: the review has been passed, and the account designated by the insured or the policyholder has been reached.

1. Hospital diagnosis is required. When the insured person feels that there are signs of a serious illness in his or her physical condition, he or she will generally go to the hospital designated by the insurance company for treatment. During the consultation, the hospital will diagnose the physical condition of the insured person and conclude whether the insured has a critical illness and what kind of critical illness it is. The diagnosis of the hospital will have a diagnosis certificate, and the diagnosis of the focus of the Zen grinding book is an important basis for the settlement of critical illness insurance claims.

2. Report the case in a timely manner. After the insured is diagnosed with a critical illness, he or she needs to check the policy to see if it is a critical illness as stated in the policy. In general, critical illness is basically included in the insurance taken out by the insured.

Next, the insured should report to the insurance company in time, either before or after hospitalization. After receiving the report, the insurance company will initiate the claim process and settle the claim.

3. Prepare the claim information. Ping An Insurance reminds that the following materials are generally required for the settlement of serious Hu disease insurance claims: first, diagnosis certificate, outpatient medical records, discharge summary, and hospitalization summary, and the diagnosis certificate of multiple hospitals must be provided at the same time for treatment in multiple hospitals; the second is the receipt of medical expenses, receipts for hospitalization expenses and a detailed list of hospitalization expenses; The third is pathology, laboratory tests, imaging, electrocardiogram and other examination reports, which need to be stamped with the valid signature of the medical institution.