Is rheumatic heart disease a serious illness, and can Ping An Fu be compensated?

Hello! First of all, you need to correspond to what diseases are covered in the "Insurance Liability" column of your insurance contract, and whether it is consistent with the diseases you are suffering from. Critical illness insurance can usually be claimed with a medical certificate issued by a professional doctor in a second-level hospital or above.

Secondly, you need to contact Ping An Insurance's customer service **95511 or the insurance service staff at that time to consult the latest situation. Again, if the disease is covered by insurance, and it is only diagnosed for the first time after the observation period, but you can't get a claim, you can search for the "Insurance Regulatory Commission"** or call 12378**, and complain to them with the above information.

Pure participating insurance is not restricted.

However, critical illness insurance is not expected to cover it generally, but you can buy an insurance policy to see. There is a health notice in it, and you explain your case and previous conditions. See if the insurance company is covered.

Either it is a refusal of insurance or an increase in the cost of medical examination. If it is an additional fee for physical examination, it is recommended to buy one, after all, it is good to have a share of your body.

You can consult several companies. All insurance companies will refund you the money if they don't contract. However, it is absolutely impossible to tell the truth that if you deceive the insurance company, you will still refuse to pay in the future once the risk occurs.

Some insurance companies can, but the conditions are harsh.

This symptom is already within the scope of critical illness, so it is no longer possible to purchase commercial health insurance.

Insurance can only be purchased if you meet your age, good health, ability to pay, and occupation.

It's too late to wait until you're sick to remember the insurance.

The state stipulates that the medical insurance for serious illnesses can be used for secondary reimbursement.

Diagnosis certificate from a specialized hospital above the second level;

Inspection report of the relevant examinations;

Original contract; Insured person's ID card and bank card;

First, the customer service of the insurance company, report the case, and then submit the information according to the requirements and wait for the claim result;

Which company's type of insurance?

There are many kinds of damage caused by rheumatic heart disease, rheumatic valve insufficiency, rheumatic valve stenosis, rheumatic cardiomyopathy, etc., if rheumatic valve insufficiency, rheumatic valve stenosis and thoracotomy for heart valve replacement or repair surgery is covered, rheumatic cardiomyopathy, etc., it is not.

Ping An Fu's critical illness is the main insurance, and the accident insurance is an additional insurance.

The claim rule is that every time the main insurance occurs, the life insurance will be deducted from the compensated part, such as the main insurance 200,000, critical illness 150,000, accidental disability 300,000, accidental medical treatment 20,000 years, if a major illness occurs, the claim is 150,000, the main insurance amount is only 50,000, and then due to accidental hospitalization, you can reimburse 20,000 medical expenses on the basis of deducting 100 yuan, and finally unfortunately die, and then pay 300,000 + 50,000 (main insurance), the contract ends.

Ping An Fu provides critical illness + death + accident + medical treatment, etc., with full coverage of one policy, which is also its highlight, which is very suitable for "high-quality" families to insure, after all, its protection is still very complete. Ping An Fu is more suitable for the positioning of mid-to-high-end families.

Check whether your primary insurance and critical illness are equal or different. It's the same amount, and it's gone after the critical illness is paid. If it's a difference.

For example, the main insurance is 100,000 yuan, and the critical illness insurance is 80,000 yuan. If the direct death of a critical illness has not been paid, 100,000 will be paid at a time. If you pay 80,000 yuan for critical illness and die, then you are paying 20,000 yuan.

Anyway, the total amount is the sum insured of the main insurance.

When the terms of the contract are reached, the corresponding amount will be subtracted from the main insurance, and the amount of life insurance will be reduced, so it is better to choose the insurance separately. My ugly brother.

All other conditions of malignant tumors except the following 6 are covered by critical illness insurance.

1) carcinoma in situ;

2) chronic lymphocytic leukemia equivalent to the stage A level of BINET staging regimen;

3) Hodgkin's disease equivalent to the Ann Arbor stage I level;

4) ** cancer (excluding malignant melanoma and ** cancer that has metastasized);

5) Prostate cancer with TNM stage of T1N0M0 or less;

6) Infection with HIV virus or malignant tumor during AIDS treatment.

After the critical illness is paid, there is still the difference between the main insurance and the critical illness if you die before the age of 70 due to an accident!

During the waiting period, if a critical illness occurs, it will not be possible to get a claim.

In the event of death, it is theoretically possible to receive a death due to illness claim.

However, in the real case, in this case, the insurance company will definitely check the customer's past medical history, and it is impossible to say that the critical illness occurred at that time, and there were no symptoms and medical conditions at the time of insurance.

In the process of truthful information, there must be a problem.

Therefore, in this case, the premium can be refunded in most cases, and the possibility of obtaining a claim is very small.

The relevant ** person must also be checked by the company to see if he violates the professional code or industry norms, and the result waiting for him is also bad.

It is recommended that customers and ** people, out of a responsible attitude for themselves, should avoid such things from happening.

If you don't understand the principle of insurance, you come out and talk nonsense. Ping An Fu is to solve the problem of where the first cost of critical illness comes from. Only with money can you accept a better **, there is a higher **rate.

It is a benefit-type insurance. The later expenses are reimbursed through compensatory insurance to get the money back. If you don't understand the process, you can come out and talk nonsense, and you can really do it.

If the policyholder and the insured are the same person, then Ping An Fu can pay the sum insured agreed in the contract. However, whether Ping An Fu is good or not, we still have to compare the critical illness insurance on the market:Top 10 Popular Critical Illness Insurances to Buy!

Before considering buying Ping An Fu 20, we still have to look at what it protects, and we can't buy it in a daze, see the following figure for the content of the guarantee:

From the figure, we can see the basic overview of Ping An Fu 20 is:

100 Critical Illnesses Single Claim + 50 Minor Illnesses 3 Claims + Death Benefit + Optional Insured Waiver + Optional Insured Waiver + Sports Bonus

With a general understanding of the basic overview, let's take a look at the highlights and shortcomings of Ping An Fu 20.

Highlights:1.The critical illness sum insured can be increasedThere are two ways: one is to increase the sum insured for critical illnesses by 5%-10% through exercise, and the other is to increase the sum insured by 20% for each mild illness, up to a maximum of 60%.

For consumers, it is certainly good to be able to increase the sum insured.

2.Ping An brand is large and has many branches. For us, if we encounter any problems, there is a place to find someone to serve, better communication, and offline service is very convenient.

Deficiencies:1.The coverage is not comprehensive, there is a lack of moderate illness benefit, and the insured person is exempted from the need for addition.

If you pay a little attention to critical illness insurance, you can find that the current critical illness insurance includes triple protection, mild illness, moderate illness, and critical illness protection.

2.Although the sum insured can be increased, there is a certain thresholdThe exercise reward is a year and a half to two years, and basically every day you need to exercise to the specified value. In fact, many people can't do this, and this way is a bit chicken.

On the whole, Ping An Fu 20 does not have an advantage, and the same** can buy critical illness insurance with multiple claims, and the protection is not comprehensive. It is recommended to take a look at the critical illness insurance on the market, you can always find a cost-effective critical illness insurance that meets your needs, and specific critical illness insurance products, see hereA comparison table of 136 popular critical illness insurances in China

Hello, if there is a difference between Ping An Fu's critical illness sum insured and life insurance sum assured, the contract will not be terminated. If there is no illness or disaster, after 100 years, the beneficiary will be paid according to the sum insured of the life insurance.

Hello, after Ping An Fu Critical Illness is paid, the rider insurance contract is terminated. The main plan reduces the amount of benefits.

Excerpt from Ping An Fu 2018 Additional Early Payment Critical Illness Insurance Clause:

For example, the main insurance is 200,000 yuan, and the critical illness advance payment is 180,000 yuan.

If you have a serious illness, you will be paid 180,000 yuan in advance, and the contract will not expire.