Which is better for critical illness insurance with multiple claims, and which is better for critica

With the development of medical technology, the rate of cancer has gradually increased, and the demand for multiple claims for critical illness insurance has also begun to increase.

At present, which of the mainstream critical illness insurance products in the market that can be paid multiple claims are worth buying?

1. Pursue many times of compensation: Xintai Ruyi Life Guardian Collector's Edition.

This critical illness + mild illness + moderate illness with multiple claims for critical illness insurance can be paid a total of 12 times, which is considered to be a relatively large number of claims in similar critical illness insurance, and the compensation ratio is not bad.

The 6 claims for critical illness are increased by % and 200% respectively, and an additional 50% of the basic sum assured will be paid if the insured suffers from a critical illness before the age of 60.

However, it should be noted that the critical illness claims of this product are grouped, while the multiple claims for mild and moderate illnesses are not grouped.

2. The pursuit of multiple claims without grouping: Ruihua Bejia Lebao.

This product can be paid for a total of 10 times for critical illness + mild illness + moderate illness, all diseases are not grouped, critical illness can be paid 5 times, each claim is 100% of the basic sum insured, moderate illness is paid 2 times, 50% of the sum insured is paid each time, and 3 times for mild illness, and the compensation ratio is paid in % ratio one by one.

3. The pursuit of cheap premiums: Fosun and Beijixing.

A 30-year-old man chooses an insured amount of 400,000 yuan, pays in 30 years, and guarantees for life, and the annual premium is 6,572 yuan, which is the cheapest of the above products. And the product guarantee is also good.

Critical illness + moderate illness + mild illness can be paid 8 times without grouping, and 3 times for critical illness, according to the proportion of % for each claim.

In terms of single protection, of course, it is good to pay multiple claims. Although the probability of suffering from two major illnesses is not high, it is better than nothing. Of course, the premium of multiple claims for critical illness insurance will be higher than for a single claim.

Therefore, multiple claims are suitable for friends who are insecure and have sufficient budgets to pursue comprehensive protection. If you have a low budget, you can choose a single claim and try to make the sum insured as high as possible.

There are many cost-effective multi-claim critical illness insurance on the market, such as Taiai Bao Critical Illness Insurance Supreme Edition, Cindat Ruyi Long Guardian (2023) Critical Illness Insurance, Junlong Life Super Mario No. 8 Critical Illness Insurance, Hetai Life Super Mario MAX Critical Illness Insurance and other products, all of which can choose multiple claims.

If you look at it alone, of course, it can be paid multiple times. Although the probability of suffering from two major illnesses is not high, it is better than nothing. Of course, the premium of multiple claims for critical illness insurance will be higher than for a single claim.

Therefore, friends with insufficient budget actually choose a single payment of critical illness insurance, and try to make the sum insured as high as possible, which is actually a good protection.

If the critical illness insurance does not pay multiple claims, the insured will be given the entire sum insured at one time when the critical illness occurs.

When choosing a critical illness insurance with multiple claims, two principles should be adhered to: one is that the premium should not be too high, and the other is that the grouping should be reasonable.

If you have the idea of purchasing a multi-claim critical illness insurance, you can consider the following aspects:

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1. Disease coverage.

Most of the coverage content of critical illness insurance will include severe, moderate and mild illness benefits, and it should be noted here that the content of mild and moderate illness is noted.

There is no need to worry too much about the types of serious diseases, because the CBIRC stipulates that all critical illness insurance must cover the 25 most common critical illnesses, and most people suffer from these 25 critical illnesses.

However, the types of mild and moderate diseases need to be paid attention to to see if they cover the mild and moderate diseases with high incidence, because mild and moderate diseases are actually much more serious than we imagined.

2. Critical illness grouping.

For multi-claim critical illness insurance in groups, it is better to have a high incidence of critical illness that is not in the same group.

If this product puts malignant tumors and other high-incidence serious diseases together, it needs to be carefully considered.

3. Interval.

There is often a time limit for multiple claims critical illness insurance.

For example, if you have cancer today and apply for a claim, and a week later you suddenly have an acute myocardial infarction and want to apply for a claim. At this time, your second application will not be accepted by the insurance company.

If you think about it from another angle, when an insurance company designs a product, it must first consider the risk of claims.

If there is no interval, the claim rate of this product will be much higher, will the insurance company do such a stupid thing?

Therefore, when choosing a product, you need to pay attention to the interval, which is generally half a year or a year, depending on the terms of the product.

4. Cost-effective.

I have always believed that to measure the quality of a product, we must first look at the cost performance, the protection content is complete, and the premium is not expensive, which is naturally the best choice.

1 Multiple claims for critical illness insurance are paid according to disease groups, and each group can only be paid once, so the more groups, the better. 2. If the high-incidence critical illness is concentrated in one group, once you suffer from two different high-incidence critical illnesses in succession, you will be able to claim once and you will not be able to claim the second time, so it is important to disperse the grouping of high-incidence critical illnesses. 3. Malignant tumors should be grouped separately.

4. The interval should be short enough.

Traditional critical illness insurance terms stipulate that after the policyholder receives a claim for a single illness, the insurance contract is terminated and the policyholder loses subsequent protection.

Due to the medical history, it is not possible to apply for critical illness insurance again, and if you suffer from a critical illness again, you will be in a situation where you will not be covered.

There are critical illness insurance products in the market that are grouped for diseases and multiple claims, usually dividing the critical illness into two or three groups, each of which is an associated disease, and as long as any one group is diagnosed, the policyholder can be compensated.

The premium for a single claim is the lowest, and the premium for multiple claims is much more expensive than for regular critical illness insurance.

Due to the increased coverage of multi-claim critical illness insurance, "multiple claims" are more risky and more comprehensive than "one-time claims", and the premiums are more expensive than general critical illness insurance.

Generally speaking, the premium will range from 5% to 10% for each additional increase in the number of claims (e.g., the second claim is more than the first claim).

There will be a gap between each claim, ranging from 180 days to 365 days, and the insurance company will not pay out during this time.

Multiple claims are grouped into multiple diseases, and as long as any group of them is diagnosed, the policyholder can be compensated, but the same group of critical illnesses can only be paid once, and if the same disease is the same next time, the insurance company will not pay.

What are the odds of multiple claims?

The probability of a person's lifetime suffering from a major disease is 72%, of which cancer accounts for the second cancer rate within a year, and the third time.

In terms of the claim rate, the second probability is, the third time is, except for cancer, the third claim rate of the rest of the critical illnesses is extremely low and negligible.

If you want to have enough sum insured, if you have limited financial conditions, it is recommended to choose a single-claim critical illness product.

As long as the sum insured is sufficient, a single claim can also play a great value.

But for those who have a small problem and get sick often, multiple payouts are more suitable!

Consumers with good economic conditions and sufficient budgets can also choose to pay multiple claims based on family medical history.

How to choose a critical illness insurance that wants to apply for multiple claims?

1.Critical illness insurance products with multiple claims and no grouping are preferred.

2.The more detailed the disease grouping, the better, and the more scientific the better, so that the probability of more than two claims will be greater.

3.Whether it's the first time or the time between each payout, the shorter the waiting period, the better.

Don't follow the trend to buy, according to your own economic and health conditions, choose what you can buy, choose the one with more comprehensive protection, choose one that meets your needs, and choose one that suits you.

The new version of Corning, with a maximum of 360% payout, has accumulated three claims for critical illness and three claims for minor illness.

Ping An Insurance Company's Ping An Fu is multiple claims.

Whether the critical illness insurance with multiple claims is good or not should be chosen according to your own needs.

1. Pay attention to the grouping of diseases, and the critical illness insurance with multiple claims generally groups the diseases, especially the grouping of the six high-incidence critical illnesses, and focus on whether the grouping is reasonable.

2. The number of critical illness claims does not need to be too much, and more than 2 times is of little significance. There is a certain probability of suffering from two critical illnesses in a lifetime, and the probability of suffering from three major illnesses is relatively small.

3. Pay attention to the compensation interval, the compensation interval refers to the shortest interval between two claims, and the interval regulations for different products are different, generally 90 days, 180 days, and 365 days. For the insured, the shorter the interval, the better.

4. The amount of insurance is the key, if the amount of insurance is too low, the ability to resist risks is not strong, and the protection is not enough. If the sum insured is too high, the premium will also be too high. The sum insured of critical illness insurance should preferably be more than 500,000 yuan, and if the budget is limited, the minimum sum insured should not be less than 300,000 yuan.

Test your anti-risk index, experts will interpret it for you for free!

Multi-claim critical illness insurance can be said to be a new generation of critical illness insurance (there is currently a product in the industry that can pay 22 times for minor illness and up to 7 times for critical illness).

People can have several different critical illnesses in their lifetime, and it makes no sense to pay for critical illnesses multiple times.

Under normal circumstances, the critical illness insurance with multiple claims is to divide many critical illnesses into different groups, generally there are 2-5 groups, each group has more than a dozen or more than 20 critical illnesses, if you get a critical illness in one group, then the other critical illness benefits in this group are terminated, while the other groups still provide protection. However, there is an interval between multiple claims, generally 90 days to 1 year, if it is multiple claims for a single disease such as cancer, the waiting period will be longer, usually 3-5 years, and ** requirements may be added during the two claims.

We can't generalize whether it is good to choose critical illness insurance with multiple claims.

Because if the insured has a sufficient budget, although multi-claim critical illness insurance is more expensive than single-payment critical illness insurance, the protection is very comprehensive.

It should be noted that there are some multi-claim critical illness insurance policies on the market, and if there is a minor illness liability, the corresponding minor illness liability will be terminated after the critical illness claim is settled; Or after the first payment of the critical illness benefit, there are other opportunities for the critical illness benefit, and the contract is still valid, but the liability for death, total disability, terminal illness and mild illness will be terminated.

Whether we choose multi-claim critical illness insurance or other types of critical illness insurance depends on our own situation, whether we want to insure, and we should also plan according to our own situation.

It depends on the terms of the insurance!

Compare the disclaimer in the disclaimer clause and compare the payout content in the payout clause!