I bought critical illness insurance in PICC for two and a half months

The claim should be made because PICC will have the insurance 24 hours after buying the critical illness insurance, so it should be claimed in two and a half months.

Whether or not to make a claim depends on the circumstances at the time you purchased the insurance. Because critical illness insurance products integrate medicine and insurance, are highly technical and complex, the proportion of claims rejected is much higher than that of general life insurance products. The international rejection rate is more than 30%, and the rejection rate in Asia is usually between 10%-20%, and China is no exception.

1. Failure to fulfill the obligation to inform truthfully

In the process of underwriting, the policyholder often fails to inform the policyholder. According to the provisions of the Insurance Law of the People's Republic of China, if the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer has the right to terminate the contract, and shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, and shall not refund the insurance premium;If the insured fails to perform the obligation of truthful notification due to negligence, which has a serious impact on the occurrence of the insured accident, the insurer has the right to terminate the insurance contract, and shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, but may refund the insurance premium.

2. The date of diagnosis of the major disease happens to be within the observation period

For insurance companies, the setting of the observation period is a means to prevent the risk of adverse selection, and the critical illness insurance products of each insurance company will set an observation period, which is generally 90 days or 180 days, or even 1 year. In particular, it should be noted that the insurance contract is terminated due to non-payment, and the observation period needs to be recalculated after the reinstatement, and the diagnosis of a critical illness during this period will not be paid.

3. The diagnosed diseases are not covered by the insurance

Different insurance companies or even different critical illness insurance products of the same insurance company have different payment items and payment standards, for example, some products include minor illness liability, and some products do not;Some illnesses may be covered in one product, but may not be covered in other products. Friends who don't know how to read the insurance terms hurry up: "You must know the routines of these insurance companies".

4. It does not meet the payment criteria defined as a critical illness

Before purchasing critical illness insurance, the policyholder and the insured must understand the coverage of the product, which critical illnesses are covered, and under what circumstances can it be paid. For example, coronary artery bypass grafting is defined as follows: it refers to the actual operation of coronary artery bypass grafting with thoracotomy for severe coronary heart disease.

Coronary artery stenting, cardiac catheterization balloon dilation, laser radiofrequency technology and other non-thoracotomy interventional procedures and laparoscopic surgeries are not covered. Therefore, only the surgery specified in the clause can be claimed, and other ** methods cannot be paid.

If you belong to the above situation, you may be denied, in fact, many of the risks of refusal, you can avoid it before applying for insurance, find a professional and responsible broker, carefully understand the product protection responsibilities and terms, and tell the truth when applying for insurance, so as to make the purchased insurance more "insurance".

The beneficiary refers to the beneficiary of the death, which is commonly said to be the death of the insured, and the designated beneficiary is the person who can get the claim.

In an insurance, the policyholder, the insured and the beneficiary can be three people, the policyholder is the one who pays, the insured is the person who is protected by this insurance, and the beneficiary is the person who is the beneficiary of the death of the insured mentioned above.

For example, if the policyholder is the father, the insured is the mother, and the beneficiary is the child, for example, the father has purchased a critical illness insurance for the mother, then when the mother dies, the child is the beneficiary of the insurance and receives the death benefit; If the mother is seriously ill, because she has not died, the benefits of this insurance still belong to the mother, and the mother will receive the critical illness claim.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. If you buy three copies of critical illness insurance, the maximum amount of compensation for an accident is one invoice.

If you buy three copies of critical illness insurance, the maximum amount of compensation for an accident is one invoice.

According to national regulations, the maximum amount of compensation for an accident is one invoice for buying three copies of critical illness insurance. Insurance Classification:

1. [Property insurance: enterprise property insurance, engineering insurance, automobile insurance, false liability insurance, ship carrying slag insurance, freight insurance, home property insurance, credit insurance, guarantee insurance, agricultural insurance]; 2. [Life insurance: accident insurance, medical defense and quiet treatment insurance, critical illness insurance, life insurance, children's education insurance, pension insurance, annuity insurance, group insurance]; 3. [The types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature].

Legal basis: The maximum amount of compensation for an accident is one invoice for buying three copies of critical illness insurance. The "Social Insurance Law of the People's Republic of China" was passed by the 17th Session of the Standing Committee of the 11th National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated to take effect on July 1, 2011.

In accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Chain and Amending the Social Insurance Law of the People's Republic of China adopted at the Seventh Meeting of the Standing Committee of the 13th National People's Congress on December 29, 2018, the Table of Contents, Chapter 1, General Provisions, Chapter 2, Basic Pension Insurance, Chapter 3, Basic Medical Insurance, High Insurance Insurance, Chapter 4, Work-related Injury Insurance, Chapter 5, Unemployment Insurance, Chapter 7, Maternity Insurance, Chapter 7, Collection and Payment of Social Insurance Premiums, Chapter 8, Social Insurance**, Chapter 9, Social Insurance Administration, Chapter 10 Social Insurance Supervision Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

Summary. 1. First of all, you need to submit a claim application to the insurance company, and you need to provide your identity information, medical records, medical expenses list and other relevant information in the application. 2. The insurance company will review your claim application according to the information you provide, and after the review is passed, the insurance company will determine the claim amount according to your condition and release the claim amount to your designated bank account.

3. If you have any objection to the amount of the claim, you can appeal to the insurance company, and the insurance company will review it again and make a final decision on the claim.

Hello. Hello dear,Generally speaking, there are two main ways to pay for critical illness insurance:

One is a lump sum payment, that is, the insurance company pays the insurance money in a lump sum, and the other is an installment payment, that is, the insurance company pays the insurance money in installments. The specific payment method depends on the specific critical illness pure insurance product you purchase, so it is recommended that you read the policy terms carefully to understand the specific insurance liability and payment method.

What kind of insurance do you have?

I bought two critical illness insurance policies for my husband from last year. I'd like to ask how I make a claim.

Will they claim both at the same time or? One claims and the other doesn't.

1.First, you'll need to confirm which insurance company's critical illness coverage you're buying. 2.

Then, you will need to collect documents about your condition, including the hospital's diagnosis report, medical records, examination reports, etc. 3.Next, you'll need to contact your insurance company's customer service and submit the required documents for your claim review.

4.Finally, if your claim is approved, the insurance company will pay the claim in accordance with the terms of the insurance contract.

Usually, two insurance companies settle claims at the same time, but sometimes one insurance company may reject the other's claims for excitement. It is recommended that you contact your insurance company to confirm the claims service between the two companies.

Isn't it that you can't buy more insurance in the future?

No, you can continue to purchase multiple insurances, but the claims service of each insurance plan may be different, it is recommended that you carefully read the terms of each insurance plan when purchasing Hongxian insurance to understand the status of its claims service.

The one I bought at the time was PICC Million Medical. The other is also a critical illness claim of 6 million.

1. First of all, you need to submit a claim application to the insurance company, and you need to provide your identity information, medical records, medical expenses list and other relevant information in the application. 2. The insurance company will review your claim application according to the information you provide, and after the review is passed, the insurance company will determine the amount of compensation according to your condition, and release the claim amount to your designated bank account. 3. If you have any objection to the amount of the claim, you can appeal to the insurance company, and the insurance company will review it again and make a final decision on the claim.

Can I make a claim to two claims companies at the same time? Yes.

There are many types of critical illness insurance, assuming that with life insurance liability, the insured will pay the insurance money to the insured in the event of a critical illness; In the event of the death of the insured, the insurance benefit is paid to the beneficiary. If no beneficiary is designated, the benefit is treated as an estate.

If the insured is a minor, the insurance money can be applied for by his parents, and if the insured dies due to illness, the claim can be applied for by the policyholder or beneficiary. Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced!

The first place turned out to be it!

This is not necessarily, the key depends on the specific terms and conditions of the type of insurance insured. If the "principle of compensation for losses" applies to the purchased insurance, it is impossible to get double compensation for late age, and the purchase of two insurance policies for the same insurance subject is considered to be a duplicate insurance. If the "principle of compensation for losses" does not apply, then both policies should be compensated accordingly after the occurrence of an insured event.

For example, A has a house worth 500,000. a. Purchase a house fire insurance with an insurance amount of 500,000 yuan from each of the two property insurance companies. Now A's house has suffered a loss of 300,000 yuan due to the fire, A can choose to claim 300,000 yuan from either of the two insurance companies, but he can't ask each of them to pay me 300,000 yuan.

Because property damage insurance applies the principle of loss compensation, it is impossible to lose 300,000 yuan and pay 600,000 yuan, otherwise the moral hazard will be greatly increased.

If A buys 500,000 death insurance for himself in two life insurance companies, then once A dies due to an insured accident, both insurance companies need to pay 500,000 yuan to the beneficiary according to the contract. Because human life is priceless and does not meet the principle of compensation for losses, it is possible to receive double insurance benefits.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"