Is it better to buy cancer insurance or carcinoma in situ insurance for women s critical illness ins

Hello! The importance of women in life is self-evident, but due to the special physical characteristics of women and the pressure of work and life, they are also often vulnerable to health risks such as diseases, so it is very necessary for you to plan to buy yourself a critical illness insurance. As for whether it is better to buy cancer insurance or carcinoma-in-situ insurance for women's critical illness insurance, it is recommended that you pay attention to the need for protection according to your own protection needs.

How can women buy the right women's critical illness insurance for themselves?

1. Comprehensively consider all the items that need to be insured, first of all, consider whether you have participated in the social basic medical insurance, make comprehensive arrangements, avoid duplicate insurance, and make the most effective use of the insured funds.

2. Consumers should choose according to their age and needs. For example, women can be insured for women's diseases such as breast cancer.

3. When applying for female critical illness insurance, you should pay attention to truthfully informing the insurance company of your medical history.

4. Financial affordability: At present, a standard female critical illness insurance is relatively expensive in the market, and it should be considered according to the family's economic income.

Health is an eternal topic, health insurance is also one of the most basic types of protection insurance for people, to choose a suitable female critical illness insurance for yourself, you must first communicate well with experienced and professional insurance professionals, to provide you with professional female critical illness insurance products and services suitable for you.

Xueba talks about insurance, focusing on insurance evaluation! To buy commercial insurance, both men and women should buy a critical illness insurance, here are some of the more popular critical illness insurance in China, you can take a look if you need it:"136 domestic popular critical illness insurance PK".

When buying commercial insurance, women should combine their age, physical fitness, family situation, income level, etc. to buy the insurance products they need. Friends who are too lazy to look at the analysis and want to find the answer directly, you can look at this list that I have painstakingly sorted out:"Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women!

At the age of 20-30 yearsThe average female income of this age group is not much, after all, they have just stepped into the society, so it is recommended to give priority to critical illness insurance and accident insurance. Women at this age don't have to spend much on critical illness insurance. If you feel a little under financial pressure, you can choose to buy a fixed-term critical illness insurance, for example, until the age of 60, it only costs about 1,000 yuan a year; Or you can reduce the amount of insurance, and buy a whole life critical illness insurance with an insurance amount of 100,000 is also about 1,000**.

I've picked out some critical illness insurance products that are more cost-effective and suitable for women at this time:"Critical Illness Insurance for Women Aged 20-30".

If you need it, you can look at young people working outside the home, and the probability of accidents is very high, so accident insurance is a must. The cost of accident insurance is very low, generally only need to spend a few dozen dollars to buy a better accident insurance, very cheap.

Female friends aged 30-45Most of them have already started a family and have taken on the financial responsibilities of their families, so they must buy critical illness insurance and life insurance at this time. If you are not the first person in the family's finances, you can buy less when you buy life insurance. However, the sum insured of critical illness insurance cannot be reduced, and if the budget is sufficient, you can buy as high as you can.

Because this period is the high incidence period of major diseases such as cervical cancer and breast cancer, critical illness insurance is to ensure that your family's basic life is not destroyed and you will not be without money when you unfortunately suffer from a major illness.

If yesWomen over 45 years of ageIf you have not purchased critical illness insurance, you should buy it as soon as possible. Because if you are over 50 years old, buying critical illness insurance is not only expensive but also difficult to buy. Women at this age are prone to getting sick, and all the functions of the body are slowly weakening, so it is necessary to increase the expenditure on medical insurance premiums and buy some large medical insurance such as million medical insurance.

Here's a list of million-dollar medical insurance plans for people over the age of 45:"It's enough for women to buy millions of medical insurance".

If you are interested, you can take a look.

Critical illness insurance does not cover carcinoma-in-situ for the following reasons:

Critical diseases need to comply with the principle of three highs and one low, that is, high incidence, high mortality, high cost and low rate. Carcinoma in situ does not meet the criteria of three highs and one low, and has not developed into cancer in the strict sense, it is a tumor with precancerous lesions, so it does not belong to the claim items of cancer diagnosed in the town of critical illness insurance.

Carcinoma in situ is actually a minor problem, and the medical expenses are generally only a few thousand yuan. Moreover, the definition of carcinoma in situ is more technical, which often causes misunderstandings when making claims, and insurance companies are reluctant to look for trouble.

The exclusion of carcinoma-in-situ from critical illness insurance is also intended to reduce the rate of critical illness insurance. For critical illness, the rate will generally increase for each additional illness. Carcinoma-in-situ has a high rate** that consumers can afford.

The significance of critical illness insurance is to pay the insurance benefits in a timely manner to ensure the financial status of the policyholder during the illness. Therefore, the inclusion of carcinoma-in-situ as a critical illness will increase the psychological burden on consumers.

Carcinoma in situ is not a malignant tumor, so it is not covered by critical illness benefits.

Let's talk to you about what carcinoma in situ is and why it is not a critical illness

1. What is carcinoma in situ?

Carcinoma in situ refers to an epithelial malignancy confined to the ** or mucosa that has not yet invaded the surrounding tissues through ** or the basement membrane below the mucosa.

Carcinoma in situ is the earliest stage of cancer, and every cancer begins with carcinoma in situ.

Because this cancer has not metastasized, the ** rate is relatively high, such as the ** rate of colon carcinoma in situ can reach 80% to 90%, and the ** rate of liver carcinoma in situ is not less than 50%.

Therefore, the World Health Organization does not list it as a malignancy.

2. What kind of insurance can cover carcinoma in situ?

1.Critical illness insurance with minor illness liability

Nowadays, many critical illness insurance is becoming more and more humane, the competitive pressure is high, and the products are getting better and better, most of the critical illness insurance will contain mild and moderate diseases, and some mild illness protection will contain carcinoma in situ, so when configuring insurance, we must be optimistic about the protection terms, choose the high-incidence mild and moderate diseases, considering that you may not look at the insurance terms, here is directly sorted out for you, you can refer to it"."Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

2.Medical insurance

General medical insurance, like million medical insurance, generally "unlimited diseases, no restrictions on ** methods, unlimited reimbursement scope, high insurance amount, wide coverage";

If the physical condition does not meet the health notice of millions of medical insurance, you can also choose cancer prevention medical insurance

In response to the problem that some people with poor health conditions cannot buy millions of medical insurance, Alipay has launched the first cancer prevention medical insurance that can protect lifeIs Alipay's Lifetime Cancer Insurance Really That Good? Are there any pits? 》

Carcinoma in situ is a mild disease.

If you buy a critical illness insurance policy that has a liability for a minor illness, it will be paid out as a liability for the minor illness.

Carcinoma in situ refers to the cancer cells confined to the mucosal epithelial layer, or ** atypical hyperplasia (severely) in the epidermis involving the whole thickness of the epithelium, but has not yet broken the basement membrane and infiltrates downward. There is no invasion or metastasis, and it is the earliest stage of cancer. Carcinoma in situ is commonly found in the cervix, esophagus, and **.

When the lobular acinar of the breast becomes cancerous and does not invade the lobule, it is also called lobular carcinoma in situ. Early detection of carcinoma in situ can prevent it from becoming aggressive, thereby increasing the rate of cancer.

Carcinoma-in-situ refers to the early stage of cancer, which is a mild disease, and the middle and advanced stage is a serious disease.

Both are medical insurance, but they are different. Million Medical Insurance covers most illnesses, including general medical hospitalization expenses and critical illnesses. Cancer prevention medical treatment only covers cancer, and the coverage is relatively small. One meal can pay for 2 million to 4 million of the sum insured.

I think Ping An's million medical insurance will be better than cancer medical insurance, the difference is that cancer prevention medical treatment will be less cost-effective than Ping An's million medical insurance, Ping An's million medical insurance additional insurance and ** cancer additional insurance.

It seems that it is all consumer insurance, but in fact, Ping An Bank's e-life insurance is very good, and the coverage is quite wide.

In the last part, I talked about social security reimbursement, and in order to make it easier to understand, I drew a diagram.

For the outpatient clinic of common diseases, first use up the account funds of the current year, and then enter the conceited section, the conceited segment is full, enter the co-negative segment, the co-negative segment, and the need to pay for it is the individual who pays for it and the individual bears it, and the individual pays for it outside the scope of medical insurance.

For hospitalization of common diseases**, directly enter the conceited section, the conceited segment is full, and enter the co-negative segment, and it is the individual who needs to pay for it and the individual bears it, and the individual pays for it outside the scope of medical insurance.

For common diseases, medical insurance reimbursement is the majority, and personal expenses are affordable, but for major diseases, will this be the result?

According to the CIRC's "Specifications for the Use of Disease Definitions in Critical Illness Insurance", adult critical illness insurance products must include the following six high-incidence critical illnesses. 1.Malignancy, 2

Acute myocardial infarction, 3Sequelae of stroke, 4Major organ transplantation or hematopoietic stem cell transplantation, 5

Coronary artery bypass grafting (or coronary artery bypass grafting), 6End-stage renal disease (also known as the uremia phase of chronic renal failure). Combined with the outpatient special diseases in the previous part, let's take a look at the ** situation of these six critical diseases.

How do you feel after reading this table?

First of all, the cost of these six critical illnesses is not low, with an average of 20-300,000 yuan.

Second, Ningbo's outpatient special diseases include malignant tumors ** (referring to the costs of chemotherapy, radiotherapy, endocrine specificity**, cellular immunity**, isotopes**, intervention**, traditional Chinese medicine** in outpatient medical treatment, and drug, surgery, and examination costs related to malignant tumors**), I checked the "Catalogue of Medical Service Items of Basic Medical Insurance in Zhejiang Province", looked for "malignant tumors", and returned 19 results, see the table below, and the vast majority of charging items are classified as Class B. I don't know how much the medical insurance can reimburse for malignant tumors, but it is certain that the proportion of self-financed drugs is as high as more than 80%, and I have not heard of social security around, and the malignant tumors can be cured for 20,000 or 30,000 yuan.

Third, in addition to malignant tumors, postoperative anti-rejection of organ and tissue transplantation can be partially reimbursed if they meet the scope of medical insurance payment, and the other four critical illnesses are not within the scope of serious illnesses and are all self-paid.

Fourth, the "Specification for the Use of Disease Definitions in Critical Illness Insurance" also defines 19 types of critical illness, plus the 6 above, a total of 25 types. The serious illness of social security must not be insured, and the proportion that can be reimbursed is really a drop in the bucket or even cannot be reimbursed at all, so you can only pay for it.

Therefore, I think you should have the answer to the question of whether to buy a critical illness if you have social security.

The critical illness type of critical illness insurance does not include carcinoma in situ (all critical illness insurance products), so it depends on whether the corresponding critical illness insurance includes mild diseases, whether mild diseases include carcinoma in situ, and mild diseases in general products will include carcinoma in situ.

Hello! In an environment where the health crisis is becoming more severe, it is imperative to purchase commercial insurance and need to be insured in a timely manner. There are two types of insurance that are essential in commercial insurance, and one of them is critical illness medical insurance.

The critical illnesses covered by general critical illness medical insurance mainly include: malignant tumors, acute myocardial infarction, sequelae of stroke, coronary artery bypass grafting, etc. It is important to note that carcinoma-in-situ insurance is not the same as critical illness insurance.

In general, there is a big difference between carcinoma-in-situ insurance and critical illness insurance. The biggest difference between the two is that in most cases, critical illness insurance cannot cover carcinoma-in-situ, while carcinoma-in-situ insurance usually provides protection for carcinoma-in-situ that cannot be covered by some critical illness insurance. As for how consumers should choose the right carcinoma-in-situ insurance product for themselves, they need to consider the type of carcinoma in situ that they need to cover.

It is a professional online insurance platform, providing a large number of carcinoma-in-situ insurance products suitable for various groups of people, it is recommended that you can choose the most suitable carcinoma in situ insurance products according to your own needs. Here, I recommend to you: Taikang e-Shun Women's Illness Insurance (