Is it necessary to buy commercial critical illness insurance, is it necessary to buy commercial insu

It is necessary to buy. The "critical illness" covered by critical illness insurance usually has the following characteristics: "serious illness", which seriously affects the normal work and life of patients and their families for a long period of time; "Expensive", requiring more complex drugs or surgeries**, and paying expensive medical bills; The "prognosis is poor", the condition lasts for a long time, and the recovery may be small, even lifelong**.

Medical insurance can only cover the expenses incurred in hospitalization due to illness, and cannot solve the ** expenses, nutrition expenses and loss of income caused by illness after discharge. Critical illness insurance and medical insurance are complementary to each other.

In commercial critical illness insurance, when the insured suffers from an illness that qualifies for claims, the insurance company will pay a lump sum insurance payment, which can be freely used by the insured to effectively make up for the heavy burden brought by the critical illness to the family. Including medical expenses incurred by **; loss of income due to being unable to work after illness; **Nutrition expenses, nursing expenses, etc. during the conditioning stage. It is very necessary to buy commercial critical illness insurance to effectively avoid the situation of having no money for treatment and returning to poverty due to illness.

Its role is not only to provide the cost of treatment, but also to provide protection for the later recuperation, and can also make up for the loss of income after illness.

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Hello, Commercial Critical Illness Insurance.

Is it necessary to buy it? It depends on your budget and needs. Critical illness insurance products often stipulate critical illness protection and death benefit.

At present, the frequency of critical illness is high, and there is a situation where the age of the disease is getting younger and younger.

Especially for urban workers in the fast-paced cities of the first and second tiers, their lives are stressful, their work pressure is high, and the current environment is ecological.

The impact on personal health and safety is also relatively large.

In addition, the improvement of medical technology has made many incurable diseases become curable and curable.

However, the cost of medical expenses is very high.

In critical illness insurance.

Compared with medical insurance, the premium of critical illness insurance is indeed much more expensive, but critical illness insurance is better than comprehensive protection, and the compensation method is also a one-time payment.

In the unfortunate event of a serious illness.

It is inevitable to be hospitalized**, as little as a few days or as many as a few years.

During this time, don't say that your work is down, and you may need your family to quit your job to take care of you.

The elderly and children are the same when they are sick, and they all need to be accompanied and cared for.

This loss of income can be compensated for by critical illness insurance.

As for the part of medical expenses, we can use social security + million medical insurance to reimburse.

Therefore, a critical illness insurance is also necessary.

It is necessary to buy commercial insurance critical illness insurance for the following reasons:

1. With the increase of age and the multiplication of social pressure, the probability of personal illness continues to increase, and once suffering from a serious illness, the impact on the family is huge, which will not only produce high medical expenses, but also cause loss of income.

2. Critical illness insurance provides disease protection, and the insurance money paid can make up for medical expenses and income losses to a certain extent, and reduce the risk loss of individuals and families.

Commercial critical illness insurance includes:

1. The independent main insurance type of insurance, which contains two relatively independent parts of death and critical illness liability, and the amount of insurance is a single amount of insurance, for example, if the insured has a critical illness, the insurance company will pay the insurance benefit of the critical illness, and the death insurance benefit is zero.

2. Proportional benefit insurance, which is usually set up for the type of critical illness, will have a higher payment ratio for critical diseases that often occur and cost more.

3. Advance payment insurance, its insurance liability covers critical illness, death, or severe disability.

Extended Materials. 1) What is critical illness insurance?

Critical illness insurance is also known as critical illness insurance. Critical illness insurance refers to the commercial insurance behavior taken by the insurance company for some specific critical diseases, and when the insured suffers from these diseases, the insurance company should provide appropriate compensation for the medical expenses incurred. According to the insurance period, critical illness insurance can be divided into two categories: term and life.

Critical illness insurance can be divided into five types: prepayment, additional payment, independent main insurance, proportional payment and repurchase according to the form of payment.

2) What is commercial medical insurance?

The so-called commercial medical insurance refers to the commercial insurance that pays the insurance premium when the insured suffers from certain diseases, which is a kind of medical insurance. Commercial medical insurance is divided into fixed payment type and expense claim type. According to the payment conditions, it can be divided into general medical insurance, hospitalization medical insurance, surgical medical insurance and comprehensive medical insurance.

3) The difference between commercial medical insurance and critical illness insurance.

Dealing with risk is not the same. The corresponding risks of commercial medical insurance are as follows:

1) Expenses not covered by the Social Security Catalogue cannot be claimed.

2) The expenses exceed the upper limit of social security medical compensation.

Corresponding risks of critical illness insurance:

1) Loss of household income.

2) The upfront ** cost is huge.

3) Late-stage ** fees.

4) Concomitant expenses (loss of household income).

Critical illness insurance belongs to commercial insurance, which can be used as a supplement to resident medical care (employee medical care), choose the amount of insurance according to your own economic tolerance, buy it for the main labor force first, generally 5% to 10% of the family income as the premium, and look at the scope of the disease claim.

It is possible to buy millions of medical treatments.

The premium is only a few hundred dollars.

Be sure to buy insurance.

It is necessary to buy.

1.There is an upper limit for social security critical illness compensation, and the amount of insurance varies from place to place, at most it seems to be 500,000, this is still a civil servant, and there should not be so many employees.

2.The incidence of critical illness is increasing year by year, and although the level of medical care is getting higher and higher, the cost is also rising, and the impact on the family economy is also increasing.

3.The core values of the individual are increasing, and the influence of the individual on the group is also increasing, so it is necessary to protect the individual in order to live a better life.

Although people have medical insurance, once a major illness occurs, due to the limitations of medical insurance reimbursement, it is beyond the reach of hundreds of thousands of serious diseases. At this time, if there is a commercial critical illness insurance, as long as the critical illness meets the provisions of the clause, you can get compensation, so that everyone can treat the disease with peace of mind and no longer worry about the cost.

Of course, it is very necessary to buy it, social insurance (medical insurance) is to solve the problem of medical expenses, and critical illness insurance is to solve the cash flow during illness.

I think it is necessary to buy critical illness insurance for commercial insurance, because if there is a disease, especially a critical illness, it is a critical illness insurance that requires a large sum of money, which can solve our worries, and if we buy medical insurance at the same time, then critical illness insurance can also be used as a supplement when we are unable to work. It can be used as a subsidy for households.

Of course, it is necessary to buy critical illness insurance for commercial insurance. Generally speaking, everyone buys medical insurance for urban workers. However, the reimbursement amount for this is relatively low.

Some of them are not reimbursable. The actual reimbursement rate has always been only 50% to 60%. Of course, if you have a minor illness, it may have no effect on you, but if it is a major illness, it will often be tens of thousands.

Then you have quite a lot to bear on your own. At this time, it is necessary to supplement it with commercial insurance. If you buy commercial critical illness insurance, you basically don't have to pay.

The reimbursement procedure for his insurance is to report social insurance first, and then to commercial insurance. And there is a very good saying, how can people not get sick if they eat whole grains? If once sick it is a major illness.

Then it is possible to bring down one of your families. And if you buy critical illness insurance, you can take it out if you don't need it. It can also be regarded as an aspect of financial management.

As long as you can guarantee not getting sick, you don't need any insurance. For example, if several people fall into the sea, others only have one life jacket, and you have one more life jacket than others because you have bought insurance, then you have a little more room to survive than others. Although a little more living space may not save lives, you are certainly not the first to go first.

Insurance is not a panacea, but with insurance, a family can be saved at a critical moment. However, there is a prerequisite for buying insurance, which is that buying insurance and not buying insurance will have no impact on your life. If there is an impact, or a big impact, then I advise you not to buy insurance.

Hello! Commercial Critical Illness Insurance.

It's still necessary to buy it.

Critical illness insurance, in short, means that when you suffer from an agreed serious illness and meet the standard of contract claims, the insurance company will directly give you a large sum of money.

If you don't know what critical illness insurance is worth buying, you can click to make an appointment for 1-to-1 insurance planning service.

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The reimbursement of critical illness insurance is a one-time fixed payment, which directly gives you a one-time payment, as for how to use it, you can decide for yourself, whether it is used for medical expenses, or follow-up ** nursing expenses, etc.

We need to be clear that once we suffer from a critical illness, medical expenses are only a part of our expenses, and other hidden expenses, such as living expenses, nutrition expenses, nursing expenses, and lost wages, cannot be reimbursed through millions of medical insurance.

At the same time, for a family, no matter who suffers from critical illness insurance, it is likely that they will be at risk of losing income.

For example, if a person who is responsible for earning money in the family is seriously ill, then he can no longer continue to work and provide income for the family's expenses**, and if the elderly or children are sick, then the person in charge of earning money will definitely need to take time and energy to take care of him, and he will still face the suspension of income.

If there are car loans to be repaid, parents to support, and children to raise, then the impact on the family is even worse.

Therefore, the biggest role of critical illness insurance is to compensate for the impact of lost income.

To sum up, for friends who want to cover the risk of illness, it is necessary to buy commercial critical illness insurance.

It is necessary to buy commercial critical illness insurance. [Click to get a free 1-to-1 insurance consulting service].

2. To solve the problem of high cost of serious illness, the medical expenses of critical illness plus follow-up expenses are only solved by medical insurance, and the follow-up expenses are not reimbursed, and the critical illness insurance is diagnosed to meet the corresponding conditions, that is, a sum of insurance will be paid, and there is no restriction on the use.

3. If you buy commercial critical illness insurance when you are young, the premium of critical illness insurance will be cheaper, because the premium increases with age, and you can have critical illness protection earlier if you buy it as soon as possible.

4. For the fixed amount of critical illness insurance, if there are multiple copies of critical illness insurance, the compensation can be stacked.

5. Critical illness insurance for life, insured when you are young, with the increase of age, the accumulation of cash value will also increase, and the cash value can exceed the premium paid at a certain age, if you do not need protection, you can return the cash value for cash. , you can return the cash value and realize it.

6. Critical illness insurance can solve the cost of organ transplant materials, and these special expenses are not covered by general medical insurance.

If you need this, you can consult the camel plan.

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I guess many people have thought about this question.

In fact, critical illness insurance can be seen from its name, it is aimed at critical illness.

In general, the medical costs of critical illness are relatively high, and there may be people around us who are worried about critical illness**.

In ordinary people's homes, if one person suffers from a serious illness, the whole family has to go out to raise ** expenses.

And the money raised by this kind of family trip may be a drop in the bucket compared to the huge medical expenses.

Buying critical illness insurance may be thousands of dollars a year, and many people think it's a lot, but when we need to spend hundreds of thousands, we may regret not paying for a few thousand.

And dad hopes that no one will have such regrets.

If you want to know about the specific products of commercial critical illness insurance, you can consult Daddy directly.

It is necessary. [Click to get a free 1-to-1 insurance consulting service].

Commercial critical illness insurance is useful and has the following advantages:

1. The guarantee function is very strong. Most of the drugs in the medical insurance are not in its drug reimbursement catalog, but there are many types of drug reimbursement for commercial critical illness insurance.

3. Maintain family financial balance. Generally, the cost of suffering from a critical illness is a headache, but if you have critical illness insurance, you may be covered by the insurance company after you get sick.

On the one hand, with the advancement of medical technology, people's life expectancy is gradually increasing, but at the same time, the risk of serious diseases is increasing. According to statistics, 1 in 10 people will be plagued by a serious illness. On the other hand, modern medical care is expensive, and the medical expenses that need to be paid in case of illness are also very expensive.

Therefore, purchasing commercial critical illness insurance can alleviate this burden and make yourself and your family more comfortable in the face of illness.

If you are looking for a reliable insurance company, Runan Insurance may be a good choice for you. Runan Insurance is a professional insurance company with a high-quality service team to provide a full range of insurance protection services. Its commercial critical illness insurance products provide comprehensive protection solutions at low premiums, including 121 critical illnesses.

In addition, Runan Insurance's commercial critical illness insurance also provides value-added services such as loan compensation and secondary compensation, which is more intimate. Overall, Runan Insurance Commercial Critical Illness Insurance is a very trustworthy critical illness insurance product. <>