How to deal with cancer found during the observation period of Chinese Life Cancer Prevention Insura

The insurance company is not liable.

Surrender of premiums during the probation period.

Refunds, the same with any life insurance company.

2. There is no carcinoma-in-situ exemption.

China Life Ankang Yinian Cancer Insurance provides carcinoma-in-situ protection, but does not provide carcinoma-in-situ exemption liability, which greatly reduces this protection.

Carcinoma-in-situ waiver means that if the insured is diagnosed with carcinoma-in-situ within the premium payment period, no subsequent premiums will be paid.

Many cancer insurance, such as the Ruitai Anxin Cancer Insurance just mentioned, will be provided, which can not only reduce the financial burden of patients, but also allow patients to feel at ease**, without worrying about trivial matters such as payment.

However, China Life Ankang Yinian Cancer Prevention Insurance does not provide this protection responsibility, and the performance is not humane.

Space is limited, the evaluation of China Life Ankang Yi Year Cancer Prevention Insurance Senior Sister said this, if you want to continue to understand more deeply, you can take a look at this: Can China Life Ankang Yi Year Cancer Prevention Insurance be bought? You can tolerate these shortcomings......

2. Is it worth buying China Life Ankang Yi Year Cancer Insurance?

Generally speaking, China Life Ankang Yinian Cancer Insurance is a cancer insurance that protects malignant tumors, providing three basic responsibilities: malignant tumor protection, carcinoma-in-situ protection and death protection.

However, it should be noted that China Life Ankang Yinian Cancer Prevention Insurance still has many shortcomings, such as a short protection period, no carcinoma-in-situ exemption liability, and low cost performance.

If you can't accept these deficiencies, you can take a look at other cancer insurance products on the market, and the senior sister has sorted out a few for you: what is cancer insurance, how to buy, which one is good, comprehensive analysis, comparative evaluation.

Xueba says insurance, focusing on insurance evaluation. Buying an old age insurance policy can sometimes be a good opportunity for us to do our filial piety; I have sifted through an article about elderly insurance, teaching you what to buy and how to buy elderly insurance:How to buy [old age insurance] and what to buy, all of them are here

Elderly people are often helpless against the arrival of cancer. Cancer insurance is a cost-effective option for people over 60 years old to configure health insurance. Chinese life products on the market are very popular, cancer insurance is no exception, then we list two Chinese life cancer insurance for a simple comparison (see the table below).

Take KangAi Malignant Tumor Insurance as an example:

1. Cancer multiple claims:Malignant tumors can be paid up to 3 times, and the interval of 3 years can be paid if the requirements are met.

2nd and 3rd payouts;

2. Carcinoma-in-situ coverage:Carcinoma-in-situ has a high rate** and low cost, and 30% of the basic sum insured can be paid if diagnosed;

3. Flexible insurance period:The optional benefit period is 80 years of age.

However, the exemption is very strict: only if the malignant tumor is diagnosed, the premium can be waived, and once the carcinoma-in-situ is diagnosed, although the sum insured is paid, it is still necessary to continue to pay.

As far as Kangai e-sheng is concerned, it can be seen that:

1. The protection is more comprehensiveCoverage for carcinoma-in-situ, cancer, and death;

2. Carcinoma-in-situ coverage:Carcinoma-in-situ has a high rate** and low cost, and 30% of the basic sum insured can be paid if diagnosed;

But the shortcomings are obvious:

1. Single guarantee period:There is no short-term or guaranteed option at all, it is too simple;

2. Age limit:The maximum age of 60 years old is too restrictive, and people over 60 years old cannot be insured.

In general, good cancer insurance will always have these three characteristics: comprehensive coverage and multiple claims;

Flexible coverage period with no age limit; Highlighting the leverage advantage requires greater flexibility in payment methods.

The amount of cancer insurance is far beyond our imagination, just take Chinese life to do a simple analysis, the question is, how should we judge the quality of the product? What kind of products are suitable for us? I recommend you take a look at this article:

You deserve these cancer insurances!

Hello! For more information, please contact us.

New China Life Insurance See which one is right for you:

Travel without worry] let you have a million worth to escort you.

Accidents in private cars are 1.5 million [strong].

Public transport accidents 1.5 million [strong].

Aviation accidents 2 million [strong].

General accident 200,000 [strong].

The annual premium is only 2,400 yuan, and the 10-year insurance is 30 years, and the interest rate is raised at the end of the term, which is equivalent to not spending money to buy insurance!!

Health Jishun] cancer prevention protection: more than 2,000 yuan per year, 8 yuan per day, you can have seven money:

1. Cancer diagnosis insurance benefit of 200,000 yuan;

2. Cancer hospitalization allowance insurance is 400 yuan per day;

3. The insurance premium for cancer surgery is 80,000 yuan per year;

4. Cancer radiotherapy and chemotherapy insurance benefit of 160,000 yuan;

5. 800,000 liver transplantation or hematopoietic stem cell transplantation;

6. Death insurance benefit will be refunded to the premiums paid;

7. Premium waiver: If you have cancer for the first time, the remaining premium will be waived. The policy continues to be in force. Don't drag down your family due to high medical expenses. Health insurance is responsible for oneself and one's family.

Health Fuxing] 0-year-old boy only needs 5,760 yuan to buy Xinhua Health Fuxing lifelong fixed value-added health insurance.

1.3% of the annual increase in the sum insured: on the basis of the guarantee of 200,000 yuan, the health and value will increase by 6,000 yuan per year for a lifetime.

2.The bigger you live, the more you give, and the older you are, the more valuable you are: 260,000 at the age of 10, 320,000 at the age of 20, 560,000 at the age of 60, and 680,000 at the age of 80 (you only invested 10,000) You only need to pay for 20 years and guarantee it for a lifetime.

3.Covers 45 categories of critical illnesses (more than 500 kinds): serious illness, accident.

4.66-year-old convertible pension: worry-free pension! What are you still thinking about, giving your baby a lifetime of love.

5.Premium Waiver: Waiver of remaining premiums except for serious illness. The policy continues to be in force.

Jincai Life] annual investment, investment for 10 years (zero years old as an example).

1.Kid 4 years of college:

2.He receives 30,000 yuan in education funds every year, and receives a total of 120,000 yuan.

3.At the age of 28, he received a wedding payment of 150,000 yuan.

4.At the age of 40, he received 200,000 entrepreneurial funds.

5.60 receive a pension of 800,000.

6.At the age of 80, he received a birthday pension of 2 million.

Finally, leave the yuan for the child's child.

Invest 260,000 and get a total income of 4.5 million yuan, an account that three generations can benefit from!

Contact**.

The premium is low and the protection is high, the diagnosis is paid, and there is a maximum of 5 years of ** money, which is a very good insurance product.

Pacific Love Worry-Free is the most comprehensive cancer product, and it is an award-winning cancer insurance product! It's worth having.

Life cancer insurance, annual payment of 2000, protection of 10,000.

Huaxia "Evergain" has full coverage of diseases, and one single guarantee is available in hand!

Cancer insurance is a product with low payment and high protection.

Ping An Cancer Insurance is a tax that can be returned with interest, and you can chat privately!

Do you want to know about Chinese Life's cancer insurance?

Taiping Life Cancer Insurance is worth learning about.

Sunshine Life Cancer Insurance, low premium, high sum insured, return at maturity, long protection time, welcome to consult.

Are you a salesman or a customer who wants to inquire about cancer insurance?

Tianan Life's cancer insurance has low cost and high protection, so you can learn about it.

Summary. Hello, from the perspective of how much cancer insurance can pay, the amount of compensation provided by each insurance company is different, but the general principles are as follows: 1. Critical illness insurance Cancer prevention insurance pays for cancers that have reached the stage of invasive cancer, whether it is a milder early invasive cancer or a more serious intermediate and advanced invasive cancer, you can get compensation; 2. For carcinoma in situ with a low degree of physical harm, critical illness insurance will not pay; 3. In the carcinoma-in-situ stage, the liability for minor illness can be paid according to the ratio of 20 30 basic sum insured; 4. Other malignant tumors can be paid after diagnosis, but it should be noted that minor diseases such as carcinoma in situ are proportional compensation; 5. At the same time, it should be noted that cancer during the period of HIV infection is not covered by the claim.

Through the above arrangement, I believe you have a general understanding of the scope of cancer insurance claims, and the compensation standard of cancer insurance is closely related to the coverage of compensation.

Chinese Life Insurance Compensation for Cancer.

Hello, from the perspective of how much cancer insurance can pay, the amount of compensation provided by each insurance company is different, but the general principles are as follows: 1. Critical illness insurance Cancer prevention insurance pays for cancers that have reached the stage of invasive cancer, whether it is a milder early invasive cancer or a more serious intermediate and advanced invasive cancer, you can get compensation; 2. For carcinoma in situ with a low degree of physical harm, critical illness insurance will not pay; 3. In the carcinoma-in-situ stage, the liability for minor illness can be paid according to the ratio of 20 30 basic sum insured; 4. Other malignant tumors can be paid after diagnosis, but it should be noted that minor diseases such as carcinoma in situ are proportional compensation; 5. At the same time, it should be noted that cancer during the period of HIV infection is not covered by the claim. Through the above arrangement, I believe you have a general understanding of the scope of cancer insurance claims, and the compensation standard of cancer insurance is closely related to the coverage of compensation.

Hello, I would like to inquire about a family member who was diagnosed with colon cancer last year and received a life insurance claim for a serious illness. If I passed away from cancer this year, can I continue to receive a life claim in this case?

Is it a critical illness insurance claim?

As long as there is a confirmed fact. If you meet the relevant terms of the insurance, you can also make a claim after your death.

The terms and conditions of the contract are clearly indicated, you can take a look.

Life cancer insurance breaks through the limitations of the current field of cancer insurance, provides targeted protection for patients in the whole process, including the first and first stages, gives key care to common cancers in men and women, and covers mild cancer protection, so that customers can enjoy the protection covering the whole process of cancer. The main benefits of China Life Cancer Prevention Insurance are:

Cancer Diagnosis Insurance: The premium paid will be refunded within one year of the effective date of the contract. After one year, 100% of the sum insured will be paid after the diagnosis of cancer, and the contract will continue to be valid.

Specific cancers: Men over 18 years of age: (prostate cancer, lung cancer) 30% of the additional sum insured.

Women over 18 years of age: (breast cancer, cervical cancer) 30% of the sum insured. Children under 18 years of age:

Children (leukemia, bone cancer) pay an additional 30% of the sum insured. The contract continues to be valid after the specific cancer is paid.

Mild cancer: 30% of the insured amount of carcinoma-in-situ and ** cancer, with a maximum benefit of 100,000 yuan, and the contract will continue to be valid after the payment for mild cancer.

**Premium: 20% of the sum insured will be paid once the cancer is diagnosed for 30 days, and 20% of the sum insured will be paid after one year of survival. A total of 5 years will be paid, up to 100% of the sum insured.

Waiver of premiums: One year after the contract is in effect, the premiums for each subsequent period after the occurrence of cancer will be waived, and the contract will continue to be valid.

Death benefit: The premium or cash value paid on death before the age of 18. After the age of 18, 105% of the premium paid or the cash value of the policy will be paid on death, and only one type of cancer benefit and death benefit will be paid.

Maturity Benefit: Premiums (without interest) paid for the main contract and the supplementary contract if no contracted cancer occurs by the end of the policy.

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

Insurance Liability. During the term of this additional contract, we assume the following insurance liabilities:

Cancer insurance benefits.

If the insured is diagnosed with cancer for the first time due to illness within one year from the effective date of this additional contract (or the final reinstatement) of this additional contract, we will pay the cancer insurance benefit according to the sum of the insurance premiums (excluding interest) of this additional contract and the main contract, and this additional contract and the main contract will be terminated at the same time.

If the insured suffers from an accident or is diagnosed with cancer for the first time due to illness after the effective date (or final reinstatement) of this additional contract, we will pay the cancer insurance benefit according to the basic insurance amount minus the carcinoma-in-situ insurance benefit paid, and this additional contract and the main contract shall be terminated at the same time.

Carcinoma-in-situ insurance benefits.

If the insured is diagnosed with carcinoma in situ for the first time due to accidental injury or illness after 1 year from the effective date (or final reinstatement) of this additional contract, we will pay the carcinoma-in-situ insurance benefit at the rate of 20% of the basic insurance amount, and this additional contract will continue to be valid.

The carcinoma-in-situ insurance benefit is limited to one time, and the maximum amount of the benefit is RMB 100,000.

Insurance premiums waived.

If the Insured is diagnosed with carcinoma-in-situ as specified in this Add-on Contract for the first time due to accidental injury or illness after 1 year from the effective date of this Add-on (or final reinstatement), we will waive the premiums of the Insured's premiums for each period of this Add-on and the main contract after the date of the initial diagnosis of Carcinoma-in-situ.

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

<> this article mainly discusses whether Chinese life insurance companies are life property insurance. First, the concept of life property insurance is introduced, secondly, the basic situation of Chinese Life Insurance Company is introduced, and finally, the similarities and differences between the two are compared, and it is concluded that Chinese Life Insurance Company is not only life property insurance, but also provides more insurance services.

1. The concept of life property insurance.

Life property insurance is an insurance service that aims to provide protection to customers against taking risks in the event of an unexpected loss. The main types of life property insurance include life insurance, accident insurance, health insurance, home insurance, and property insurance, among others.

2. Chinese Life Insurance Company.

Chinese Life Insurance Company is the largest life insurance company in China, authorized by the China Insurance Regulatory Commission. The company is committed to providing customers with comprehensive insurance services, covering life insurance, accident insurance, health insurance, home insurance and property insurance.

Third, whether the Chinese Life Insurance Company is life insurance and property insurance.

1.Scope of life property and casualty insurance services.

Life property insurance mainly provides services such as life insurance, accident insurance, health insurance, home insurance, and property insurance.

2.Service scope of Chinese Life Insurance Company.

Chinese Life Insurance Company provides a wider range of services than life property insurance, including not only life insurance, accident insurance, health insurance, family insurance and limb property insurance, but also asset management, investment and financial management, investment consulting and other services.

3.Conclusion.

To sum up, Chinese Life Insurance Company is not only life property insurance, but also provides more insurance services to provide customers with more comprehensive protection services. Through this article, we have a deeper understanding of whether Chinese Life Insurance Company is life property insurance, which helps to better invest in insurance.