What is covered and paid for cancer insurance?

At present, combined with the nature of savings, savings-based cancer insurance that emphasizes premium repayment or death benefit claims is still the mainstream product in the market. Recently, many domestic companies have specially launched cancer insurance after the fee reform, but according to the reporter's interview, investors are still subject to many restrictions when purchasing cancer insurance, for example, they need to buy other main insurance combinations, and the amount of protection is not too high. China Life Insurance experts with lower rates than critical illness insurance said that there are two main types of insurance that can "insure" cancer in the Chinese market:

One is critical illness insurance, including cancer. The other is the "Cancer Prevention Insurance" that is specifically designed for cancer. To a certain extent, cancer insurance is a part of critical illness insurance, which includes cancer.

Compared with the same type of critical illness insurance, whether it is consumption or savings, the rate of cancer insurance is cheaper than that of major illness insurance, after all, the coverage of cancer insurance is only for cancer, which is much narrower than that of critical illness insurance, and its protection will be stronger. The author found that since the coverage is only for cancer, the rate of cancer insurance is much cheaper than that of heavy illness insurance, which is generally only equivalent to 1 3 to 1 2 of ordinary critical illness insurance. For example, a 30-year-old policyholder chooses to pay for critical illness insurance for 20 years with an insurance amount of 100,000 yuan, and the average annual premium is 3,000 yuan.

If you take out special cancer insurance, it only costs 1,500 yuan per year. At the same time, the new cancer insurance on the market is a predetermined interest rate of the cost of the modified protection products, insurance experts said, such products at least 10% year-on-year decline, more attractive and competitive. Last week, a large insurance company launched a new "cancer prevention insurance" in Guangdong, specifically covering malignant tumors and two mild cancers.

There are consumer and return types of cancer insurance. Which is better? As long as the insurance product is suitable for the needs of users, it has its meaning of existence.

Consumer-based cancer insurance is more suitable for people with low premium budgets and focus on protection functions, and consumer-based general insurance has a shorter term. If you are younger, or have a limited premium budget, and value the protection function of insurance the most, then you may wish to directly purchase a pure consumption cancer insurance product, which can exchange the minimum expenditure for basic protection. Return-type cancer insurance has the function of savings, and the premium is generally relatively high and the insurance period is relatively long.

If you are over 35 years old or older, have good financial conditions and pay more attention to the savings function, but want to effectively protect the risk of cancer, then you can choose the return type. Insurance products with different coverage and payment methods may provide different benefits in specific terms. Since cancer can be divided into carcinoma in situ and tumor according to severity, carcinoma in situ generally costs less, but there are special circumstances, and the cost of tumor is generally relatively expensive, therefore, some cancer insurance will only cover the tumor, but not carcinoma in situ.

In addition, some products also provide cancer hospitalization benefits, cancer surgery benefits, chemotherapy benefits, liver transplant or hematopoietic stem cell transplant benefits, and death benefits. Therefore, when choosing cancer insurance, you should pay special attention to its protection, the more comprehensive the protection, the better, of course, the corresponding premium will be more expensive.

Cancer. For insurance claims, the hospital needs to issue a corresponding diagnosis certificate, as well as estimate the ** cost, and then apply for compensation from the insurance company, and the compensation can be paid after review.

Generally, Jane Hu cancer insurance is a reimbursement type, but there are also products that provide a fixed amount of insurance liability in advance, which is subject to the relevant laws and regulations. In addition, cancer insurance has a better health notice than critical illness insurance due to the limitations of protection.

It is more suitable for people with average physical condition to be insured. The following points need to be paid attention to when applying to the insurance company for a stop claim after the insured suffers from cancer:

1. The statute of limitations for claims, different products have different provisions on the statute of limitations for claims for insured accidents, remember to check the terms when applying for insurance, and report to the insurance company as soon as possible after being diagnosed with cancer, so as not to miss the time;

2. Application materials for early return, such as insurance policy and claim application.

Diagnosis certificate, relevant examination report, hospitalization expense settlement statement from secondary or higher hospitals, etc.;

3. Verification process, after the insurance company accepts the application, it needs to verify the insured accident, as long as it cooperates carefully, answers truthfully, and waits with peace of mind.

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.

The first type: Benefit-based cancer insurance is to separate the "malignant tumor" in the definition of critical illness insurance as the scope of protection, and once diagnosed with cancer for the first time, the insurance company will pay a certain amount of insurance.

There are two types of such products: consumption and saving.

The second type of cancer insurance is a cost-based type of cancer insurance, which is similar to medical expense insurance, and the coverage period is also one year.

If it is the first occurrence of the contracted cancer, the insurance company will pay the corresponding cancer medical insurance benefit for the medical expenses used for cancer**. The advantage of the cost-reimbursement type is that it can avoid the lack of protection caused by the continuous increase in medical expenses.

The third category: it is mainly to process the cancer, divide it into various stages of the cost to pay, and pay it many times according to the actual needs.

For example, some insurance companies have launched insurance products that set different insurance amounts in different processes such as diagnosis, hospitalization, surgery, radiotherapy and chemotherapy, organ transplantation, etc., to provide different expenses for each stage of the patient, protect the patient at different stages, and be more conducive to the patient's recovery.

Cancer insurance is a type of health insurance that provides coverage for cancer. Cancers can be divided into carcinoma in situ and tumors depending on their severity. Different cancer insurance plans provide different benefits.

There are two main types of insurance that can cover cancer in the market: one is critical illness insurance that includes cancer. The other is the "Cancer Prevention Insurance" that is specifically designed for cancer. How to buy cancer insurance see here: "Parents' cancer insurance is bought like this, the most careful, don't forget to pay attention to these points".

I am 74 years old. Have cirrhosis nodules. Can I buy cancer insurance?