Should I buy critical illness insurance, and which diseases should not be purchased?

Critical illness insurance is very necessary to buy, because people have a long life, it is impossible to never get sick, if it is a minor illness and small pain, it is okay, in case of a major disease, such as liver cancer, severe brain injury, paralysis and other major diseases, the cost required is relatively expensive, usually calculated in tens of thousands.

If there is a critical illness insurance, the insurance company can pay a sum of money, which can well cover the expenses of critical illness expenses.

If you still want to know what diseases are covered by critical illness insurance, you may wish to take a look at the following article:

What illnesses are covered by critical illness insurance? If you don't know these, don't buy them randomly!

It is estimated that many friends who have already bought social security have doubts: "I already have social security, and I can also solve the problem of ** expenses, why should I buy critical illness insurance?" "In fact, the reimbursement amount and reimbursement ratio of medical insurance are limited, and only the list in the medical insurance catalog can be reimbursed.

In other words, if you have a critical illness, it is not enough to rely on medical insurance to reimburse the medical expenses.

And critical illness insurance and medical insurance are different, it is a type of benefit-type insurance, once suffering from the agreed disease, and meet the claim standards, consumers can get the insurance money paid by the insurance company, the most important thing is that there is no restriction on the use of this compensation, in addition to being used to pay for medical expenses, it can also make up for the loss of income caused by illness, or as a follow-up ** expense is no problem.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

So, what do you need to pay attention to when buying critical illness insurance?

1. The content of the guarantee should be comprehensive.

Generally, when choosing critical illness insurance, it is necessary to choose a product with comprehensive coverage, such as covering "critical illness + moderate illness + mild illness" protection. Of course, it would be better if additional compensation could be provided, or practical optional protection such as policyholder waiver and multiple compensation for malignant tumors, so that the protection given to consumers would be greater.

2. Sufficient sum insured.

In addition, we also have to choose enough insurance amount, if the insurance amount is not enough, it may not be able to solve the problem of ** cost. Of course, the higher the sum insured, the better, because the sum insured and the premium are linked to each other, the higher the sum insured, the more expensive the premium, so consumers can choose a reasonable amount of insurance according to their actual budget.

How much insurance is appropriate? Let's talk about the doorway inside.

Considering the financial risks brought about by critical illness, senior sisters still recommend that friends buy a critical illness insurance product for themselves or their families. Because the insurance benefits paid by critical illness insurance can help people solve high medical expenses or loss of income during illness, and ensure that the quality of life does not deteriorate.

Speaking of which, there must still be some friends who don't know much about the diseases covered by critical illness insurance, and the following senior sister has compiled an article, remember to take a look: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

It is important to purchase medical insurance to supplement it as necessary. When it comes to commercial insurance, professionals from the Fujian Public Insurance Network suggest that the whole family should first purchase critical illness insurance, accidental injury insurance and medical insurance, and it is more common for the critical illness insurance amount to be 200,000 yuan. Critical illness insurance is to protect against a number of high-cost and dangerous illnesses specified in the insurance contract.

From the perspective of the types of diseases covered, there are more than 500 diseases covered.

Meow Meow Insurance: Allianz-Happy Life Personal Comprehensive Accident Critical Illness InsuranceIn general, the annual premium expenditure accounts for about 15% of the family's annual income. There are two insurances that are indispensable in life, that is, critical illness insurance and accident insurance, because once this risk occurs, it is a huge blow to yourself and your family, and it also has a great impact on the spiritual level and economy, so you must take precautions and prepare in advance, so that you are not only responsible for yourself, but also responsible for your family.

In addition, since there is no requirement for hospitalization and hospitalization subsidy insurance, whether it is an accident or illness, major illness or minor illness, it can be covered.

First of all, you need to know and recognize the role of critical illness insurance, if critical illness insurance is what you need, then buy it, if you don't recognize it, then of course you can not buy it.

Critical illness insurance, as the name suggests, isIt is used to protect against critical illness and at the same time transfer the financial risk caused by suffering from critical illness。What is the coverage of critical illness insurance? You can take a look at this articleWhat kind of insurance can cover critical illnesses?

What critical illness insurance is worth buying?

Considering whether to buy critical illness insurance, you also need to understand what its function and function are, and the specific functions are:Suffering from a critical illness that meets the requirements of the contract(e.g., malignant tumors, severe diabetes mellitus),Specific medical measures were taken(e.g., heart valve surgery, aortic surgery, etc.) oris in a specific state(e.g. deep coma, multiple mutilations, etc.), the insurance company isLump sum sum insured

The specific effect is: if you are seriously ill**The cost starts at 300,000 yuanIt is difficult for ordinary families to bear, and with the money paid by critical illness insurance, it can make up for the ** expenses, recuperation expenses, and loss of income required during the illness.

The chart below shows the cost of a critical illness (taking cancer as an example):

In addition to the high cost, all kinds of diseases also require a large number of costsIf the patient is the breadwinner of the family, then there is a hidden loss of family income that cannot work for the whole family.

And friends who have the idea of buying insurance, I recommendBuy critical illness insurance while you are young and healthy, the older you are, the higher the risk of illness and the more expensive the premium。I have previously summarized the top 10 critical illness insurance policies that are worth buying, and you can choose the ones you need to buyTop 10 Popular Critical Illness Insurance Points Worth Buying!

In case of a critical illness, it will bring huge medical expenses to the family, and there will also be loss of income such as ** expenses, family debts, and living expenses. Critical illness insurance, which can be paid in advance, can hedge these risks, and its sum insured can not only be used to treat diseases, but also to make up for the loss of family income.

To buy this insurance when the illness arrives, it can cost you a lot less practical and practical.

MetLife is a big company.

1. Malignant tumors; [Click to get free 1-to-1 insurance consulting services] 2. Acute myocardial infarction;

3. Sequelae of stroke;

4. Major organ transplantation or hematopoietic stem cell transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting);

6. End-stage renal disease (or chronic renal failure, uremia stage);

7. Multiple limbs are missing;

8. Acute or subacute severe hepatitis;

9. Benign brain tumor;

10. Decompensated stage of chronic liver failure;

11. Sequelae of encephalitis or meningitis;

12. Deep coma;

13. Deafness in both ears;

14. Blindness;

15. Paralysis;

16. Heart valve surgery;

17. Severe Alzheimer's disease;

18. Severe brain injury;

19. Severe Parkinson's disease;

20. Severe burns;

21. Severe primary pulmonary hypertension;

22. Severe motor neuron disease;

23. Loss of language ability;

24. Severe aplastic anemia;

25. Aortic surgery;

26. Severe multiple sclerosis;

27. Severe type diabetes;

28. Erosive molar pregnancy (or malignant molar pregnancy);

29. Systemic lupus erythematosus complicated by severe renal impairment;

30. Severe primary cardiomyopathy.

The above content is for reference only, and the specific insurance contract and terms are subject to the actual insurance application] Camel Planning hopes to become a third-party security planning platform worthy of your trust, Camel Planning adheres to the principle of "assisting insurance decision-making with scientific concepts", relying on big data, cloud computing and artificial intelligence to develop a program configuration system to help users achieve family risk quantification and accurate product matching; Through actuarial, underwriting, claims, legal and other professional support, we provide users with efficient and worry-free full-process services. <>

Critical illness insurance is critical illness insurance, and critical illness insurance is very necessary to purchase。Because after suffering from a critical illness, the financial impact is very large. Not only do you have to pay for expensive medical bills, but you also have to bear the loss of income for 3-5 years**.

There are restrictions on the reimbursement of medical insurance, and there are still many places that need to pay out of pocket, which is still a great financial burden for ordinary working families.

Under what circumstances is Medicare not reimbursable?

Critical illness insurance is very useful because it not only pays out the entire sum insured at once, but also does not limit its use. In addition, if you cannot work during the post-operative recuperation period, it is important to use this money as income compensation.

The formula for the sum insured of critical illness insurance is: 30-500,000 ** reserve + 3-5 years of income compensation. Because the ** cost of critical illness is generally 30-500,000 yuan, and there will be a 3-5 year recuperation period, during which there is no way to work normally, so 3-5 years of income compensation must be added.

It can be seen that the choice of the sum insured is a crucial issue, and there is a lot of knowledge in it, so you must understand it before buying:How much insurance is appropriate? Let's talk about the doorway inside.

Let's take a look at the key points with me:

1.Care is taken to cover high-incidence diseases

Critical illness insurance does not cover more illnesses the better, and it must cover high-incidence diseases. In order to increase the premium, some insurance companies also include many diseases with a very low chance of getting sick, which makes no sense at all, and it is the focus to cover high-incidence diseases.

2.The more grouping, the better, and it's better not to group at all

For critical illness insurance with multiple claims, pay attention to the grouping of the disease. Disease grouping means that diseases in the same group can only be paid once, and diseases in other groups can continue to be claimed.

Therefore, the best case is not grouping, even if it is divided into groups, it is necessary to pay attention to the more groups, the better, which can increase the probability of secondary payouts.

3.Pay attention to whether the cancers are grouped separately

Cancer is best grouped separately because cancer is one of the most common critical illnesses, accounting for more than 70% of all critical illnesses. And cancer can easily cause the disease of other related organs, such as end-stage renal disease.

Therefore, grouping cancers separately can increase the probability of a second claim. Even if you are not grouped separately, you should pay attention to separating it from high-incidence critical illness.

There are really a lot of things to pay attention to when buying critical illness insurance, and if you are not careful, you will fall into the pit. It doesn't matter, I've reviewed all the products on the market and picked out the best 10 for you, you can check them out:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

The purpose of buying insurance is to avoid risks and prevent the family from suffering from a serious illness that may lead to a financial crisis in the future. From this point of view, the impact of critical illness is relatively large, and the allocation of critical illness insurance is necessary.

Critical illness insurance is the bulk of family insurance allocation, in addition to the elderly to buy too expensive is not suitable, whether it is middle-aged, young people or children of several years old, it is necessary to buy critical illness insurance.

Critical illness insurance is based on the occurrence of illness as the payment condition, and the principle is very simple, that is, the insurance company will pay a sum of money for the disease that meets the contract. We can use this money freely, we can use it to treat diseases, recuperate, recover our bodies, and we can also use this money to pay for other expenses of the family, so the essence of critical illness insurance is "income loss insurance". The compensation standard of critical illness insurance is strictly in accordance with the contract, as long as the agreed critical illness is met, you can get a one-time claim.

Critical illness insurance is like a local tyrant friend, if a major illness occurs, ok, give me an account, I will give you money, such a local tyrant friend, do you want it?

Hello friends! There are many types of insurance, and you can first understand the four major types of insurance, namely critical illness insurance, accident insurance, medical insurance, and life insurance. Critical illness insurance is the most common and complex type of insurance.

The full name of critical illness insurance is critical illness insurance, which refers to the insurance company that takes a specific critical illness as the object of insurance, and when the insured suffers from the agreed disease, the insurance company will compensate the insured amount agreed in the contract.

To put it simply, the insured agrees on a critical illness in case of insurance, pays the amount agreed in the insurance contract, and protects the follow-up care expenses and some necessary income losses.

You may not have heard of critical illness insurance, but you should have heard of health insurance, and when offline insurance companies do publicity, they usually use the name of health insurance as a promotion.

In fact, health insurance is divided into medical insurance and critical illness insurance.

Although the same type of insurance, the functions of medical insurance and critical illness insurance are diametrically opposed, and many friends will ask daddy, will medical insurance and critical illness insurance conflict? There are many questions about whether it is necessary to buy critical illness insurance after buying medical insurance.

To put it simply, medical insurance is a reimbursement type of insurance, which is reimbursed according to the actual expenses of the insured, and how much is reported. As mentioned above, if the insured is diagnosed with a disease agreed in the contract and reaches the state of illness or surgery, the insured will pay the sum insured agreed in the contract, mainly to protect the cost of follow-up care** and the loss of economic income.

To put it simply, medical insurance solves the problem of medical expenses, while critical illness insurance alleviates the family's financial problems and allows them to recuperate with peace of mind. In addition to basic medical expenses, a critical illness can have a great impact on a family.

For example: · loss of income due to being unable to work after illness;

**Nutrition expenses, nursing expenses and other expenses during the conditioning stage;

household liabilities such as housing loans and car loans;

fixed expenses for the normal operation of the family, etc.;

These expenses can be a huge burden on the family's life due to a sharp drop in income. It is understood that the current medical expenses for critical illnesses range from 100,000 yuan to 30 yuan, and the postoperative recovery period is usually 6 months to 5 years, and the cost during the first period should not be underestimated.

Critical illness insurance and medical insurance are matched together, and the effect is the best, which can give the insured full protection, solve the medical expenses, and also give a certain amount of protection to the insured's follow-up care expenses. You should determine the amount of critical illness insurance based on your own income level and the contribution of your personal income to your family's total income.

Daddy has prepared a dry goods for you, please see:"Consumer Critical Illness Insurance Review: Which Critical Illness Insurance is the Best to Buy?" 》