There is a difference between critical illness insurance with death and without death

Premiums vary. In terms of premiums, the premium of critical illness insurance with death liability is higher than that of critical illness insurance without death liability. It's easy to see why critical illness insurance with death liability has a wider range of coverage and the insurance company takes on a higher risk.

The cash value varies. All other things being equal, the cash value of critical illness insurance with death liability is higher than that of critical illness insurance without death liability.

Death insurance refers to an insurance product in which the insurance company will pay the insurance money to the beneficiary of the death insurance when the insured passes away due to illness.

Then at this time, some friends will be more puzzled, should the sickness insurance choose to bring death or not?

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

The following senior sister will briefly introduce the disease death insurance for you, you should take a closer look

At present, there are three main types of death insurance for illness in the market:

1.Travel Illness Death Insurance.

In the process of traveling, the possibility of suffering from acute illness will be relatively high, you can choose a travel insurance with death benefit for illness. However, the senior sister needs to remind everyone that when choosing death insurance for such diseases, it is necessary to be clear whether it is domestic or overseas, because the insurance focus of the two is different, so you should be cautious about insurance!

2.Critical illness death insurance.

Critical illness insurance is the protection of critical illnesses, such as cancer, cardiovascular and cerebrovascular diseases, etc., buy a critical illness insurance, once you suffer from the critical illness specified in the contract, meet the claim standard, the insurance company will pay you a lump sum of the sum insured. However, when purchasing critical illness insurance, you need to look at the compensation ratio and conditions for death from illness.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

3.Life Sickness Death Insurance.

For adults, they have to shoulder the responsibility of the family, if they die because of illness, they will be left with endless grief and burden, so taking out a life insurance with disease death protection can greatly solve the worries of the family.

Ultra-complete! Everything you need to know about insurance is here.

Death insurance is a type of insurance that compensates the insured if the insured dies due to the cause of death specified in the insurance contract. It should be noted that there are many causes of death, but only the accidents or diseases that are covered by the insurance contract are covered by the scope of compensation, and the insurance company will not pay in other cases.

Death Insurance: The general life insurance main insurance is death. The subject matter of life insurance is human life, whether it is accidental death or death from disease, it can be claimed. However, if it is a disability, it is not compensated.

The subject matter of accident insurance is the person's body, and the disability can be paid according to the disability ratio. Full benefit for accidental death.

There are only three types of human death: accident, suicide, and disease. Pathologically, there is no such thing as "death and natural death", and in the end, it is all due to organ failure, which is actually a disease.

In health insurance, medical insurance is definitely not covered, pure critical illness insurance is not covered, and critical illness insurance with death liability nested is idbid.

Death insurance is a special term for life insurance in commercial insurance, which refers to the insurance money paid by the insurance company in accordance with the insurance contract if the insured dies after the policyholder purchases life insurance for him. Nowadays, many personal accident insurance and health insurance include death insurance, and it is the most important part of insurance protection.

Sudden death from alcohol consumption and drug allergies are covered by the coverage. The suicide clause in the exclusion clause is listed to prevent fraudulent claims. Facts and figures prove that even if a person buys insurance with the decision to commit suicide fraud, the possibility of committing suicide after 2 years is extremely small, so if he commits suicide after 2 years, he will still be compensated according to the terms of the contract.

Be aware of the restrictions on your own situation. There are also conditions for purchasing critical illness insurance, and it is not open to all groups of people. Therefore, before applying for insurance, you must refer to your own conditions.

Generally speaking, there are three types of people who cannot purchase critical illness insurance. One is that the age is over 55 years old, usually does not have the conditions to buy, of course, the maximum age limit of some critical illness insurance products is 50 years old, so you need to carefully understand the insurance restrictions, in addition, this also shows that the sooner you buy critical illness insurance, the better, not only the age limit, the older the premium rate will be higher, and there may even be more money to pay than the money paid. In the second case, people who have been hospitalized due to a critical illness and have been discharged from the hospital for less than 90 days, it should be noted here that consumers who have been hospitalized in the past need to truthfully inform their own situation when purchasing critical illness insurance, and the insurance company will review the insurance according to the actual situation.

The last situation that cannot be purchased is that people with ** cancer (except for malignant melanoma and ** cancer that has metastasized) and *** official carcinoma in situ cannot buy critical illness insurance. Women who are concerned about female carcinoma-in-situ can purchase a special female critical illness insurance to strengthen their protection.

When choosing critical illness insurance, the key points to pay attention to are: coverage coverage, sum insured, waiting period, etc. The scope of protection must be extensive, choose the right one, cover the more types of diseases with high incidence, the better, the insurance amount is best more than 200,000, compared with today's expensive medical expenses, if it is below 200,000, it will not play an emergency role.

Regarding the waiting period, there are generally two kinds of waiting periods for products on the market at present, 90 days and 180 days, and it is obvious that 90 days is better for the former. In addition, it is recommended to choose whole life insurance for critical illness insurance, and it is best to choose the form of regular payment, which can reduce the pressure of payment.

Summary. The difference between critical illness insurance without death and with death is reflected in their coverage of benefits, premium amount, cash value, etc. 1.

Scope of Payment: In terms of the scope of compensation, the critical illness insurance without death benefit can only pay the critical illness claim amount, while the critical illness insurance that includes death insurance will pay out the death insurance benefit and the critical illness insurance benefit. 2.The cash value is higher in critical illness insurance if it includes death insurance liability, and its premium is higher than that of critical illness insurance products that do not include death insurance.

Critical illness insurance products without death benefit have lower premiums. This is also the reason why the cash value of critical illness insurance with death insurance liability is higher than that of critical illness insurance without death insurance. 3.

Premium Amount Critical illness insurance that includes death insurance liability also has a higher premium in terms of premium amount than critical illness insurance that includes death insurance liability, because it covers more risks, so insurance companies will balance the risk by increasing the premium.

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The difference between critical illness insurance without death and death is reflected in two points, the first point is that the compensation is different, if Zenlu dies of illness or accident, the critical illness insurance without death protection can only refund the cash value, or the current price is 0; The second point is that critical illness insurance with death benefit is much more expensive than critical illness insurance without death benefit.

The difference between critical illness insurance without death and with death is reflected in their coverage of benefits, premium amount, cash value, etc. 1.Scope of Benefits: In terms of the scope of compensation, the critical illness group famine insurance without death benefit can only pay the critical illness claim amount, while the critical illness insurance that includes death insurance will pay death insurance and critical illness insurance benefits.

2.The cash value is higher in critical illness insurance if it includes death insurance liability, and its premium is higher than that of critical illness insurance products that do not include death insurance. Critical illness insurance products without death benefit have lower premiums.

This is also the reason why the cash value of critical illness insurance with death insurance liability is higher than that of critical illness insurance without death insurance. 3.Premium Amount Critical illness insurance that includes death insurance liability also has a higher premium amount than critical illness insurance that includes death insurance liability, because its protection risk is more collapsed, so the insurance company will balance the risk by increasing the premium.

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