What is cancer insurance and what does cancer insurance mean

Cancer insurance is a type of critical illness insurance that only covers cancer.

Coverage, the first diagnosis of malignant tumor by the insured during the insurance period.

or carcinoma-in-situ, the insurance company pays the insurance money according to the agreement, and its common protection liabilities include malignant tumor insurance and carcinoma-in-situ insurance.

Cancer insurance includes consumption-based cancer insurance and savings insurance, and consumer-based cancer insurance is generally attached to term life insurance products and sold as additional insurance, and some are also sold separately as main insurance. Generally, you only need to pay a few hundred yuan of premiums every year to get an insured amount of 100,000 yuan.

Savings cancer insurance, on the other hand, has a return function and can generally be sold as a main insurance.

Cancer insurance is a specific insurance product designed to provide policyholders with protection against cancer and cancer. Cancer insurance mainly covers the risk of developing cancer, and once diagnosed with cancer, the policyholder will receive financial benefits from the insurance company.

1. Cancer screening and early diagnosis: Cancer insurance may provide reimbursement for the cost of cancer screening and early diagnosis, including common cancer screening items (such as breast cancer, cervical cancer, colorectal cancer, etc.), as well as the cost of early cancer diagnosis.

2. Cancer expenses: Cancer insurance usually covers cancer expenses, including surgery costs, radiotherapy, chemotherapy, drug costs, etc. The exact coverage and limits of reimbursement will vary depending on the insurance contract.

3. Hospitalization allowance and living expenses: Some cancer insurance products can also provide hospitalization allowance and living expenses to help policyholders cope with other expenses incurred due to cancer**.

4. Cancer insurance is usually in the form of additional insurance or supplementary insurance, which can be purchased together with other medical insurance (such as comprehensive medical insurance or critical illness insurance) to provide more comprehensive protection.

Before purchasing cancer insurance, it is recommended that you read the insurance contract and terms and conditions carefully to understand the specific insurance coverage, payment conditions, exclusion clauses, etc.

Similarly, consulting with a professional insurance advisor or broker can provide more specific and personalized advice to help you choose the right cancer insurance product based on your needs and budget.

The above is Dad's, if you have any questions, please send a private message.

The elderly over 50 years old have always had a hard time buying insurance, one is limited by **, the second is limited by the product, and the third is limited by the physical condition. Trying to balance coverage and premiums can be a challenge. In order to prevent the premium from being inverted, most people finally give up critical illness and choose medical insurance, but as we all know, the conditions for the elderly to buy medical insurance are becoming more and more demanding, and it is not cost-effective to exchange thousands of expenses a year for various exclusions.

In fact, buy insurance for the elderly in the family. As the most worthy of priority for the elderly over 50 years old, cancer insurance is the most worthy of priority configuration, here I will give you a review of 5 products, and you can buy them according to the actual situation of the family.

Who is suitable for cancer medical insurance?

1. The elderly who can't buy millions of medical insurance.

Under normal circumstances, it takes 20 to 30 years for a normal cell to develop into cancer. Therefore, the elderly are a high-risk group.

However, after the age of 55, either you can't buy it, or the premium is too high, or the premium is inverted (total premium sum insured).

The cancer prevention medical insurance is not only relaxed for the age limit, but also cheap, which perfectly solves the problem of buying insurance for the elderly.

2. People with poor health.

Some of my friends, because of serious health problems, can no longer buy ordinary insurance. However, cancer medical insurance has much lower health requirements because it only covers cancer.

For such friends, cancer medical insurance is their last line of defense to transfer the risk of high costs!

3. People who want to strengthen cancer protection.

Critical illness insurance + cancer insurance is a common combination of protection.

At present, some critical illness insurance can attach the responsibility of multiple claims for cancer, while some critical illness insurance does not have this responsibility, if you want to strengthen cancer protection, you can strengthen another layer of cancer protection.

4. How to choose cancer insurance?

There are many cancer insurance products on the market, and the protection strength is different, and many people say that they don't know how to choose a product, and they must consider both the best and the ...... coverage

Actually, it's not difficult at all, it's just that I haven't mastered the trick. Cancer insurance focuses on the following 3 points, and it is easy to choose good products for parents!

Take a look at the core coverage: the proportion and scope of compensation, and whether to reimburse proton heavy ions.

Second, look at the restrictions: whether the health notice is relaxed, the length of the waiting period, the deductible, and the renewal conditions are relatively relaxed.

Finally, look at the value-added services: whether there is a green pass, hospitalization advance payment function, and whether tumor specific drugs and purchased drugs can be reported.

For a detailed comparison of the products of cancer prevention medical insurance, please refer to the article article Evaluation of 5 Products of Cancer Prevention Medical Insurance.

Cancer insurance is insurance that only covers cancer, and it is highly targeted, so the rate is generally lower. For example, the silver well-being of the Pacific Ocean and the upcoming Love Worry-free.

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.

As the name suggests, cancer insurance is an insurance that only covers cancer, because the protection items are relatively specific to cancer, so the health notice is much more relaxed, and it is much cheaper, even less than 100 yuan. The one-year cancer insurance can be understood as a special fund for millions of medical treatment, which is to manage hospitalization expenses, and cancer insurance is only to manage hospitalization expenses incurred due to cancer. Long-term cancer insurance can be understood as a special fund for critical illness insurance, and you can get compensation if you are diagnosed with cancer.

Regarding medical insurance, many people have a question: I don't know what to buy, the current popular medical insurance products in my country are here, which one is good and which one is not good, you can know at a glance:"2020 Hot Million Medical Insurance Ranking".

Cancer medical insurance is a medical insurance for cancer, let me give you a brief explanation.

It is recommended to give priority to the allocation of medical insurance before purchasing medical insurance. Medical insurance is the most basic guarantee, with the characteristics of low threshold and low price. Commercial medical insurance is a supplement to medical insurance, which includes some items outside the scope of medical insurance reimbursement, such as imported drugs, high-end ** and so on.

At present, there are many types of medical insurance, and the common ones are three types: million medical insurance, hospitalization medical insurance, and cancer prevention medical insurance.

Let's talk about these 3 types in detail:

1. Million medical insurance

Million medical insurance is suitable for a wide range of people, most people can buy, first of all, it is the most affordable, secondly, the amount of reimbursement is high, and there is no limit to the types of diseases reimbursed, a few hundred yuan a year can have millions of protection, very cost-effective. In addition, it also has a very comprehensive coverage, such as bed fees, nursing fees, surgery fees, drug costs, material costs, etc., which can be reimbursed.

Next, I will give you an analysis of a few of the more popular million-dollar medical insurance:

According to ** we can learn.

(1) Good medical insurance:This renewal condition is incomparable to many products. In these 6 years, the policy can be renewed regardless of whether there has been a claim, whether there has been a change in physical health, or whether the product has been discontinued.

(2) Exclusive e-life:Added post-operative home care, oncology specialty services, and increased family sharing deductible options.

(3) Micro-medical insurance:The value-added service that includes the second international diagnosis and treatment is the feature of this one.

After the above analysis, it can be seen that each product has its own unique advantages, and when purchasing, you should choose according to your own needs.

In addition, there are many cheap and high-quality million medical insurance products, friends in need can click on the original article to view:"Cost-effective! Top 10 Million Medical Insurance Points Worth Buying! 》

2. Hospitalization medical insurance

The main features of this type of medical insurance are low deductibles and low reimbursements. This type of insurance is mainly used to reimburse outpatient clinics, and is generally suitable for young babies or older people. Because the immunity of babies and the elderly is poor, the probability of getting sick is relatively large, and it is relatively meaningful to buy this insurance.

3. Cancer prevention medical insurance

Because most of the hospitalization medical insurance and million medical insurance are limited to 0-65 years old, the older ones cannot be insured, and they can be insured for cancer prevention medical insurance.

Cancer medical insurance is a type of insurance specifically designed for cancer, which has a longer age than other medical insurance and has looser health requirements. If you have some minor physical problems or are older, it is more suitable to buy this one.

This kind of ** is greatly affected by physical fitness and age, I have compiled some cancer prevention medical insurance products that are worth buying, you can make a reference:"Conscience Price! These anti-cancer medical insurance are worth it! 》

Cancer insurance and cancer medical insurance are insurance policies developed by insurance companies specifically for malignant tumor protection, which is particularly important for specific groups of people in the face of the increasing incidence of malignant tumors. If you can't afford critical illness insurance, cancer insurance is also a good choice.

Cancer Insurance: It is equivalent to a reduced version of critical illness insurance, which only covers cancer. Cancer insurance only covers cancer, the health notice is more relaxed, and the three highs can be invested, and the insurance age is wider, 50-80 can be invested.

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?

Cancer medical insurance is a type of insurance that reimburses the medical expenses of cancer, that is, the expenses caused by cancer hospitalization**, chemotherapy and radiotherapy in a specific outpatient and emergency department, and the policy will be reimbursed, and the claim amount within the year must be within the limit of the sum insured.

Cancer medical insurance is different from million medical insurance, which only covers hospitalization due to cancer, so it has a lot less content from the perspective of protection liability.

Things like accidents, heart attacks, cerebral hemorrhages, etc., are not covered.

Cancer medical insurance is similar to million medical insurance, after the diagnosis of cancer, if you meet the conditions for claims, you can be reimbursed for the expenses in the process according to the rules.

Million Medical Insurance and Cancer Prevention Medical Insurance are both medical insurance, both of which are used to reimburse medical expenses for medical treatment, but they are different.

In terms of protection liability, the vast majority of diseases, including critical illness and general medical hospitalization expenses, are subject to strict health notices. Cancer prevention medical care only covers cancer, the coverage is small, and the health notice is relatively relaxed.

If you meet the health conditions, the first choice is million medical insurance, whether it is a baby, young and middle-aged or the elderly, you have to buy it, if you have a history of three high and high can not buy millions of medical care, cancer medical insurance is a good choice to take a step back.

Because, although cancer prevention medical care only covers cancer, because cancer accounts for 7% of critical illness claims, it is still very practical, so you can't buy millions of medical insurance, cancer prevention medical insurance must be bought.

Cancer insurance covers mainly cancer.

Coverage, including carcinoma-in-situ.

As with tumors, the protection provided by different cancer insurance products is different, which can be found in the terms of the insurance contract. Cancer insurance can be mainly divided into consumption and return, the premium budget of consumer cancer insurance is relatively low, the protection period is relatively short, but the protection function is stronger; Return-based cancer insurance also has a savings function, so the premium will be relatively higher, and the coverage period will be longer.

Extended Information: Understanding the Types of Cancer Insurance:

1. Consumer-based cancer insurance.

Consumer-based cancer insurance is generally the same as term life insurance.

The product is sold as an add-on insurance, and some are also sold separately as a main insurance. Generally, you only need to pay a few hundred yuan of premiums every year to get an insured amount of 100,000 yuan.

However, it will be relatively difficult to renew consumer-based cancer insurance. The upfront cost is low, but when the policyholder reaches a certain age, it becomes less easy to renew the policy. Even if the policy can be renewed, the premium will continue to increase**.

2. Rebate cancer insurance.

Return-type cancer insurance is with a return function and is generally sold as a main insurance. Taking a woman around 30 years old as an example, if the annual premium is about 2,000 yuan, you can get an insurance amount of 100,000 yuan for 10 consecutive years.

Extended information: 1. Insurance that specifically protects cancer is called cancer insurance. It is generally aimed at older people, especially the elderly. Nowadays, there are very few health insurance suitable for the elderly, and the emergence of cancer insurance has provided cost-effective protection for many people over 60 years old.

2. What should I pay attention to when applying for cancer insurance?

1.The first thing we need to know is what cancer insurance covers. Although cancer insurance is not as good as critical illness insurance.

and medical insurance protection, but as an auxiliary, we should also be clear about what the coverage of its products is.

2.In general, the older the age, the higher the incidence of cancer. Therefore, some cancer insurance is guaranteed for 10 to 20 years, but in fact, the risk of cancer in the later stage is not added, so you should consider your age when configuring cancer insurance.

3.If you don't have one, you can configure lifelong critical illness insurance, so can you configure cancer insurance as lifelong?

4.Although the underwriting of cancer insurance is relaxed, it does not mean that there are no conditions, so it should also be noted when applying for cancer insurance, and the reasons for the refusal of insurance in general insurance plan insurance are: nodules and polyps.

Lumps, hepatitis B, cirrhosis.

Abnormal tumor markers, excessive tobacco and alcohol consumption, cancer in close relatives, etc.