99 people may not know about these pitfalls of critical illness insurance!

For the "pit" of critical illness insurance, many times it is a misunderstanding caused by everyone's lack of understanding of critical illness insurance, rather than the real "pit". Many friends are still relatively new to critical illness insurance, and you can learn more about it through this article: good critical illness insurance looks like this!

You've been lied to for so many years.

Next, the senior sister will take stock of the common critical illness risk misunderstandings for everyone, and don't say much, just go straight to the dry goods!

1. Mistakenly believing that critical illness insurance will be paid as long as it is diagnosed.

Many friends may think that critical illness insurance will be paid as long as it is diagnosed. In fact, it is not the case that the insurance company will pay for the diagnosis of a contracted illness during the insurance period. In most cases, the insurance company will not pay the benefit until the agreed condition is reached or the agreed surgery is performed.

2. Mistakenly believing that critical illness insurance will be paid out immediately.

Many consumers think that they have bought critical illness insurance and can get compensation immediately if they get sick. But they often overlook that there is a waiting period for critical illness insurance. During the waiting period, the insurance company is generally not liable to pay unless it is caused by an accident.

Therefore, when purchasing, you must look at the number of days of the waiting period, usually the waiting period for critical illness insurance is 90 days or 180 days, and the shorter the choice, the better.

3. The more types of diseases, the better.

The more types of diseases covered by a high-quality critical illness insurance is not always better, and whether the protection of a critical illness insurance is comprehensive depends on the incidence of the diseases covered. Although some critical illness insurance products cover a wide variety of diseases, many of them are indiscriminate, and their odds are very small, which is a bit useless.

Regarding the common misunderstandings of critical illness insurance, the senior sister talked about this. If you don't know how to buy critical illness insurance, you can take a look at this insurance strategy compiled by the senior sister: which is the best critical illness insurance, how to buy it cost-effective, and teach you to avoid these pitfalls of insurance.

Critical illness insurance is not the most pitiful insurance, no matter what kind of insurance it is, the content of the protection is clear in the contract, don't always want to cover everything in one policy. If it is the parents' insurance or critical illness insurance, it is not recommended to surrender the policy. After all, insurance is not easy to buy when you are old, and even if you re-insure, the premium is still very expensive.

Critical illness insurance refers to a specific critical illness handled by an insurance company. For example, malignant tumors, myocardial infarction, etc. are risks, after the insured reaches the critical illness status agreed in the insurance terms. A commercial insurance act in which an insurance company pays insurance premiums in accordance with the insurance contract.

To put it simply, critical illness insurance is a kind of risk transfer for one's own critical illness.

Extended information: 1. Critical illness insurance.

1. Critical illness insurance refers to the commercial insurance behavior handled by the insurance company that pays the insurance premium according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. occurs.

From February 1, the insurance products under the old definition of critical illness will be completely removed from the shelves. According to the new regulations, some diseases will be paid according to the severity of the two levels, and the policy can be renewed, and the number of diseases covered has also increased. For the first time, the new regulations introduce the definition of mild illness, which divides the three core diseases of malignant tumor, acute myocardial infarction and sequelae of stroke into severe diseases and mild diseases according to their severity, and the upper limit of the proportion of the sum insured that can be paid for these three mild illnesses is determined to be 30% of the total sum insured.

2. Insurance History.

1. Critical illness insurance was introduced in South Africa in 1983, and it was the surgeon Marius Barnard who first proposed this product idea. His older brother, Kristen Barnard, was the first doctor in the world to successfully perform a heart transplant. Dr. Marius found that after performing a heart transplant, some patients and their families were already in financial difficulties and could not sustain follow-ups.

In order to alleviate the financial pressure on the insured in the event of a critical illness or major surgery, he worked with an insurance company in South Africa to develop critical illness insurance.

Years later, critical illness insurance was successively introduced to the United Kingdom, Canada, Australia, Southeast Asia and other countries and regions, and has developed rapidly.

Critical illness insurance was introduced in the mainland market and has now developed into an important protection product in the life insurance market. In the process of development, the scope of protection has gradually expanded, and the protection function has become more and more perfect, but the design concept of this type of product has continued to this day.

When buying critical illness insurance, you need to pay attention to the fact that budget issues and some diseases in critical illness insurance are not covered immediately upon diagnosis. In addition, as long as the insured meets the claim criteria in the corresponding critical illness insurance product, the insurance company will pay the corresponding proportion, unless you trigger the exclusion clause in the policy.

Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance

So in the next time, senior sister will introduce to you what things you need to pay attention to when buying critical illness insurance! Don't talk nonsense, go straight to the dry goods!

For critical illness insurance, many people think that as long as they are diagnosed with a serious illness in the corresponding critical illness insurance product, they can get the corresponding claim, but this is not the case.

Under normal circumstances, there are three types of critical illness insurance that can be paid for critical illness: compensation immediately after diagnosis, compensation only after the necessary surgery is carried out, or compensation can only be paid when the necessary surgery is carried out, and the specific situation can be checked in the contract terms for the definition of each disease and the payment method, which will be recorded in detail.

When buying insurance, you need to pay attention to these when buying critical illness insurance!

Secondly, you should know that critical illness insurance products are divided into whole life critical illness insurance and term critical illness insurance, and many whole life critical illness insurance provides death protection, so lifelong critical illness insurance will be relatively more expensive than regular critical illness insurance.

Of course, it is definitely better to protect lifelong critical illness insurance, after all, it can allow the insured to enjoy critical illness protection for a lifetime, but if you have a limited budget, you still have to choose critical illness insurance such as death and life.

Top 10 Popular Critical Illness Insurance Points Worth Buying! Hope.

First, it is necessary to hide and see whether it contains high-incidence diseases. In order to protect the rights and interests of consumers, the China Banking and Insurance Regulatory Commission has stipulated the 28 most common types of critical illnesses, but there is no mandatory requirement for high-incidence and mild diseases. Second, some critical illness insurance companies on the market have restrictions on the time and age range of the disease, so consumers should read the terms and conditions clearly when applying for insurance.

Third, the health notice cannot be filled in casually, otherwise it is easy to cause claims disputes. Buying insurance is buying peace of mind, so be sure to tell the truth before you buy. If you don't pay attention to the details, you will likely buy inappropriate products, and there will be a lot of losses when you surrender the policy.

Summary. The saying that critical illness insurance is the most pitiful insurance is a bit too arbitrary. There is only a suitable and unsuitable type of insurance, and those who feel that critical illness insurance is very pitiful must be because the critical illness insurance they bought is not suitable for them.

The phrase critical illness insurance is the most reputable insurance is a bit too arbitrary. There is only a distinction between suitable and unsuitable insurance, and those who feel that Chongming air illness insurance is very pitiful, must be because the critical illness insurance they bought is not suitable for blinding themselves.

You must know that although not all diseases can be claimed, and not all covered diseases will be claimed as long as they are diagnosed, if you purchase the right critical illness insurance, it can be said that the change of critical illness insurance adds a layer of protection to the future of self-registration, which can resist the risk loss of most major diseases, and is also a strong support for some long-term diseases.

At present, all kinds of diseases are getting younger and more diverse, who can confidently guarantee that they and their families can be safe and stable in their lives, and there will be no diseases and disasters? In the final analysis, buying insurance is to increase the risk avoidance of the capital of yourself, if you are really unfortunate enough to encounter illness, you will not be struggling, unable to stop the force.

If we want to buy a critical illness insurance that suits us, we must first understand our actual situation, such as what is the budget of our premium, how much we want to combine with the budget insurance, whether the term of protection is lifelong or fixed, including death benefit, whether the critical illness is a single claim or multiple claims, etc. If we want to buy critical illness insurance with multiple claims, then the budget must be higher; If you want to buy critical illness insurance with a higher sum insured, your budget will be higher; The cost of lifelong critical illness insurance will definitely be higher than the cost of critical illness insurance for a limited term. It is best for us to choose the best critical illness insurance within the scope we can choose according to the actual situation of our body and budget.