Is there a special cancer insurance Which is better, cancer medical insurance or cancer insurance?

There are specific cancer-specific insurances on the marketThat is, cancer prevention insurance, such as Kunlun Kang Aibao, Ping An Anti-Cancer Guardian 2020, Dehua An Gu Xiao Qinbao, Good Medical Insurance Lifetime Cancer Insurance, Ping An Women's Specific Cancer Insurance, etc.

However, the insurance conditions are relatively relaxed, and the requirements for age, occupation, and health notification of the insured are lower, which is more suitable for people who cannot insure critical illness insurance.

Precautions for buying cancer insurance.

1. Scope of protection.

For cancer protection for cancer insurance, you must pay attention to whether the product is not limited to the reimbursement of the social security catalog, whether it includes carcinoma-in-situ coverage, outpatient surgery, special outpatient, pre- and post-hospitalization outpatient and emergency reimbursement, etc.

2. Value-added services.

There are many types of value-added services, and the following are more practical in medical insurance: direct payment of inpatient medical expenses, reimbursement of purchased drugs, green channel services, etc. If you don't have these services, then you may be spending money in vain.

3. Renewal clause.

It mainly depends on whether the renewal of cancer insurance is reviewed, whether it is the first renewal regulation, whether the rate will be adjusted separately, whether it will be rejected due to the health changes of the insured or the claim history, etc.

The first question is that there are indeed cancer insurance products on the market that specifically protect cancer.

To put it simply, cancer insurance itself is a kind of insurance that specifically covers diseases such as malignant tumors, and it is also a type of health insurance.

Have you noticed that in recent years, cancer seems to be becoming more and more common?

According to relevant data, there will be about 4.57 million new cancer cases in China in 2020, and the number of deaths will be as high as about 3 million!

Cancer insurance happens to be mainly for cancer, and it is indeed worth considering insurance when there is a corresponding protection need.

Because the insurance conditions of cancer insurance are relatively relaxed, the upper age limit of some cancer insurance products reaches 75 years old and sub-healthy people also have the opportunity to successfully apply for insurance; Moreover, the corresponding premiums of cancer insurance products are relatively cheap.

Especially for people who are older or in poor health, cancer insurance is very friendly.

If you still want to know more about cancer insurance, this article is very detailed: what is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

1.Fully understand the content of the insurance terms, including the content of the insurance, the conditions of payment, etc., especially such as proton heavy ion protection and whether there is a restriction on medical insurance reimbursement.

2.Pay attention to whether the renewal protection is supported, and it is recommended to give priority to cancer prevention medical insurance products that support renewal protection, and the renewal conditions should also be clearly understood.

There is no better way to say these two categories, because the coverage and reimbursement methods of both are different, and the problems they are used to solve are also different

Cancer Medical Insurance:Cancer medical insurance can be regarded as a low-profile version of million-dollar medical insurance, which also has higher leverage, but has higher renewal restrictions, only covering hospitalization** or special outpatient clinics caused by cancer, and generally cannot be renewed in the following year after the cancer claim is made.

Therefore, if the elderly already have relatively large physical problems, such as hyperlipidemia, high blood pressure, high blood sugar, etc., and cannot be insured for millions of medical treatment, they need to purchase cancer prevention medical insurance with low health requirements to pass on the economic risk of cancer for the elderly.

Cancer Insurance:As an alternative to not being able to insure critical illness insurance, after the age of 55, most critical illness insurance premiums soar, and it is easy to have a situation where the premium amount is insured, such as the sum insured is 100,000, and the total premium may need to be 120,000.

After reading the above content, you can click on the assessment written by the senior sister:Hongkang loves worry-free - cancer insurance that can be bought if you have cancer?

There are two types of cancer insurance, one is the benefit type of cancer insurance, which makes a one-time claim as long as the cancer is diagnosed, similar to critical illness insurance. One is the compensatory type of cancer insurance, which is the same as medical insurance and belongs to the type of reimbursement after the fact, also called the cancer prevention medical insurance payment type of cancer prevention insurance, the rate is more expensive, but once the diagnosis can be a one-time compensation of the sum insured, and this product is usually a long-term insurance, which can protect 10 years, 20 years, and even protect the lifelong cancer prevention medical insurance is often a one-year product, although it is cheaper, but there is a risk of discontinuation, once the product is discontinued, it can not be renewed.

You can't say which is better, you can only say which one is better between cancer medical insurance and cancer insurance, only which one is more suitable for you to buy, which depends on your personal needs.

1. Guarantee

The health access conditions for cancer prevention insurance and cancer prevention medical insurance are relatively relaxed, and the restrictions on insurance age and health restrictions are not strict; The premise of the claim is the same, and both require a diagnosis of cancer before the claim can be made. Therefore, the choice of cancer insurance and cancer medical insurance can be based on the comprehensive consideration of the age and health status of the parents.

2. Economic aspects

If the budget is sufficient, both are purchased, one is used to pay for high ** expenses, and the other is used to compensate for the loss of income, so that the protection is more comprehensive; If you have a limited budget, then it is recommended to purchase cancer prevention medical insurance to solve the problem of high ** costs.

3. Health conditions

If the insured is in poor health and suffers from underlying diseases, it is recommended to purchase cancer insurance; If the insured person is under the age of 65 and in good health, it is recommended to purchase cancer medical insurance.

Cancer insurance is insurance that protects against cancer. It is generally aimed at older people, especially the elderly. At present, there is very little health insurance for the elderly on the market, so cancer insurance has become one of the must-buy insurance for many elderly people over 60 years old.

Cancer insurance is divided into the following types according to the duration of coverage:

1.One-year cancer insurance. Generally, it is to pay a one-year insurance for one year, and it will be renewed when it expires, and the premium will be very expensive when you are older, and this kind of insurance will be discontinued at any time, and it is best not to use one-year cancer insurance as the main choice.

The disadvantages of one-year critical illness insurance are more than these, and friends who don't want to suffer must read this article carefully:"One-year critical illness insurance is so cheap, why buy a long-term one?" 》

2.Regular cancer insurance. It can cover a specified age or number of years, and it is generally a consumer-based insurance, which is relatively cheap, and regular cancer insurance is a better choice for ordinary families.

3.Lifetime cancer insurance. Including death liability, it means that the premium will be refunded if you are not sick, people will not necessarily get sick, but they will definitely die, lifelong cancer insurance is generally more expensive, and families with sufficient budget can choose.

When buying cancer insurance, you should also pay attention to the following questions:

1.Some of the cancer insurance sold online does not require a physical examination, but the policyholder cannot leave it to chance and conceal the medical history. In response to this kind of concealment of medical history, the insurance company will ask for an increase in insurance premiums, terminate the contract or refuse to pay compensation, this thunder must not be stepped on!

2.The shorter the waiting period, the better. Under normal circumstances, there is an observation period when you buy cancer insurance, ranging from 30 to 360 days, and you cannot get a claim for the onset of cancer during this period.

3.Try to choose a cancer insurance product with a relaxed health notice, otherwise it is likely that you will not be able to insure if you have a small physical condition. However, the senior sister has a cheat here, and learning these tips will also increase the probability of successfully applying for insurance

What are the tips for health notification when applying for insurance? 》

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

There are many types of cancer insurance, and the types of insurance are divided according to different perspectives.

According to the coverage period, it can be divided into short-term and long-term;

According to the perspective of security, it can be divided into consumption type and return type;

According to the content of the insurance, it can be divided into malignant tumor cancer prevention insurance and carcinoma in situ cancer prevention insurance;

According to the different insureds, it can be divided into general cancer insurance, women's cancer insurance, and middle-aged and elderly cancer insurance.

Further information: Cancer insurance is a type of health insurance, which is a type of critical illness insurance that provides protection for cancer. Cancers can be divided into carcinoma in situ and tumors depending on their severity. Different cancer insurance plans provide different benefits.

The types of cancer insurance are divided as follows:

1. Duration of Insurance.

1. Short-term cancer insurance, this type of product has a short coverage period, usually only one year. Relatively speaking, the cost performance is the highest, because the one-year period can be renewed, but some products stipulate the upper limit of renewal, which needs everyone's attention.

2. Long-term cancer insurance is generally attached to whole life insurance or term life insurance, and the period of protection is decades or life, and the premium may be relatively high.

Second, the perspective of security.

1. Consumer-oriented.

There is only pure protection, and there are no additional insurances such as dividends, annuities, and financial management are consumer-based cancer insurance, and this type of cancer insurance has a pure function to protect against cancer.

2. Return type.

Returnable cancer insurance is generally attached with dividends, annuities or both, or these insurances are the main insurance with cancer insurance, generally speaking, the premium is the highest among all cancer insurance, and a certain premium can be refunded after the expiration of the insurance period.

3. Guarantee content.

Depending on the content of the insurance, it can be divided into malignant tumor cancer insurance and carcinoma-in-situ cancer insurance, but there are also cancer insurance that covers these two types of cancer, and the premium is relatively high.

IV. Insured.

1. General cancer insurance and middle-aged and elderly cancer insurance.

There is not much difference between the two, and some of the cancer insurance for middle-aged and elderly people has added accident insurance, critical illness, etc.

2. Women's cancer insurance.

Women-only cancer insurance generally covers cancers such as ovarian cancer and breast cancer, and some also cover cancers that are generally high.

Different insurance products provide different benefits in specific terms. Since cancer can be divided into carcinoma in situ and tumor according to severity, carcinoma in situ generally costs less, but there are special circumstances, and the cost of tumor is generally relatively expensive, therefore, some cancer insurance will only cover the tumor, but not carcinoma in situ.

In addition, some products also provide cancer hospitalization benefits, cancer surgery benefits, chemotherapy benefits, liver transplant or hematopoietic stem cell transplant benefits, and death benefits. Therefore, when choosing cancer insurance, you should pay special attention to its protection, the more comprehensive the protection, the better, of course, the corresponding premium will be more expensive.

Then let's take a look at the excellent cancer insurance on the market, and Daddy has collected several excellent cancer insurance as follows:

Straight to the conclusion:

1. Wide range of insurance age: Tai Anxin.

The insurance age of Taixin is 0-75 years old, and the insurance age range is relatively wide, and Taixin also includes carcinoma-in-situ protection.

2. Low premium: consider filial piety.

From the above**, it can be known that the premium of filial piety is the lowest, only 751 yuan per year.

3. Short waiting period: I cube.

The waiting period is only 90 days, and the waiting period for other products in ** is 180 days, the shorter the waiting period, the faster the insured can enjoy the protection.

Cancer insurance covers cancer, which means that if the insured person unfortunately suffers from cancer, the insurance company will pay a lump sum payment if the claim is eligible.

As the last "weapon" to resist cancer, cancer insurance can help consumers resist the risk of cancer, which is a timely rain in today's increasingly high incidence of cancer.

We know that cancer is very scary, and if we are unfortunate enough to have cancer, it will be a heavy blow to ourselves and our families, especially for those families who are not very wealthy, and cancer can be the last straw that breaks the camel's back.

In fact, insurance companies have launched cancer prevention insurance, mainly for some people who cannot afford to buy millions of medical insurance and critical illness insurance.

These people can't buy millions of medical insurance and critical illness insurance, but they also need a certain amount of disease protection, so insurance companies have launched cancer insurance as a substitute for millions of medical insurance and critical illness insurance, which can meet the disease protection needs of such people to a certain extent.

First of all, you need to be clear about the coverage and role of these two types of insurance.

There are many types of medical insurance, and general medical insurance refers to hospitalization medical insurance. It is a type of insurance that reimburses hospitalization expenses caused by illness or accident. This type of insurance is all consumer-based, paid according to age, paid for one year and insured for one year.

The most important technical indicator of medical insurance is not the sum insured or the premium, but the guaranteed renewal.

There are three guarantees for guaranteed renewal, 1. Guarantee that you will renew the policy in the next year, and will not refuse the insurance due to changes in personal health reasons or claims.

2. Guarantee that the renewal will not increase the personal fee due to changes in personal health reasons or claims and other reasons.

3. If the insurance type is discontinued, it can be renewed and replaced by the subsequent insurance type.

This guaranteed renewal clause is more important than the sum insured and the premium. It must be reflected in the medical insurance contract. Otherwise, if you are not in good health, you will not renew the insurance next year, no matter how cheap it is, what is the use of medical insurance with a high insurance amount?

If you are not in good health and claim a large amount of money, you can renew the insurance the next year, but you will be given an additional fee, if you only add a little bit it is good to say, but if you are added very high, or even almost catch up with the estimated claim amount, do you insure or not? If you are guaranteed to renew the insurance, you will not increase the fee, but after a few years, this insurance type will not be available, and the new insurance type will not be able to renew your insurance, what should you do?

Cancer insurance is a supplemental type of insurance that is used to supplement critical illness insurance and enhance cancer benefits. Cancer is only one of nearly 100 major diseases, and without critical illness insurance, the coverage of cancer prevention insurance alone is far from enough. It's like everyone else wears a whole set of armor in a war, and you only have a heart goggle.

Therefore, buying insurance should be comprehensive, a simple type of insurance is one-sided protection, and comprehensive protection requires a combination of multiple types of insurance.