What kind of insurance do people buy when they die after ten years of illness?

Ping An Fu of Ping An of China is definitely suitable for you, it is the insurance with the highest consumer satisfaction in the current market, if you can still buy it now, it is best to buy this, 10,000 up to 1 million.

Worth and accidents, depending on the situation, you can insure critical illness and hospitalization.

First of all, if the subject is sure that he has suffered from a disease and will die ten years after being diagnosed by a doctor, then he can only buy accident insurance.

Accident insurance is an insurance that protects accidents, when the insured has an accident and complies with the insurance company's contract, he can get compensation, and the insurance money paid can transfer the economic risk brought by the accident to us.

Most accident insurance has no requirements for physical health, and it is cheap, buy a one-year term, and after the subsequent expiration, you can buy other products.

If the body is only sick, you can buy insurance, but the specific need to depend on the severity of the disease, whether it involves the health notice of the purchased product, if it involves the health notice but does not tell the truth, it is found by the insurance company, and you may face the situation of not being able to get a claim.

Friends should buy insurance as soon as possible, and don't wait until you get sick to think of buying insurance. Because some of the health notices of critical illness insurance, medical insurance and other types of insurance on the market are relatively strict, if we buy insurance after getting sick, it is not conducive to our successful insurance. Especially for some more serious diseases, there may be fewer insurance products to choose from.

In addition, if you are the breadwinner of the family and can meet the insurance conditions, the senior sister suggests that it is best to configure a life insurance. The breadwinner of the family needs to bear a lot of family responsibilities, and in the unfortunate event of death, the insurance money paid can help the family to raise the elderly and children and even pay off the debt.

Article 14 of the Social Insurance Law of the People's Republic of China Personal accounts shall not be withdrawn in advance, and the interest rate of bookkeeping shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited. Article 16 of the Social Insurance Law of the People's Republic of China Individuals who participate in the basic endowment insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations. Article 17 of the Social Insurance Law of the People's Republic of China If an individual who participates in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions; If you completely lose your ability to work due to illness or non-work-related disability before reaching the statutory retirement age, you can receive a notice of sickness and disability. The required funds are paid out of the basic pension insurance**.

Maybe you want to ask if you can pay for death from cancer? It depends on what kind of insurance you have purchased, if you buy an insurance plan that provides sickness or death benefits, and you are eligible for a claim, then the insurance company can make a claim. If you are eligible for a claim, but the insurance company does not make a claim, then you can take a look at how this article can solve it:

In case of unreasonable refusal, you can order it like this!

If the insured does not provide sickness or death benefits for the insured person, the insurance company will not pay the compensation after the death of cancer, and the contract will be terminated.

In order to reduce this situation, it is recommended that you and your family have a disease insurance that covers cancer as soon as possible.

If you want to cover a wide range of diseases, not only cancer, but also other diseases, then it is recommended to have critical illness insurance and medical insurance.

Critical illness insurance covers critical illnesses, including malignant tumors, and is generally covered when the insured suffers from eligible cancers. Medical insurance, on the other hand, can reimburse medical expenses outside the scope of medical insurance, ** medical expenses for cancer, after deducting the deductible (if any), can be reimbursed to a certain extent.

At present, there are many excellent products on the market, if you want to apply for critical illness insurance, you may wish to take a look at this list of regrets:Top 10 Popular Critical Illness Insurance Points Worth Buying! Antecedent

Cancer insurance is to protect cancer, and it is generally paid when it is diagnosed. The protection of cancer insurance is relatively simple, the insurance conditions are relaxed, the insurance threshold is low, and people who cannot insure critical illness insurance and medical insurance can try to apply for insurance. When you get cancer, you may be given a lump sum of money to use.

This money can be used as a **expense for cancer, or as a follow-up **expense, etc. If you are interested in cancer insurance, you can read this article:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluationHope.

It depends on whether the product you buy has death and whether there is insurance during the insurance period, if it is insured for life with death and there is no insurance, then there will be a claim at the time of death.

There are many types of critical illness insurance, which are mainly divided into consumption-based critical illness insurance, savings critical illness insurance, and return-based critical illness insurance. Different critical illness insurance adapts to different groups of people, so how should you choose? You can read this article to find out:

What is the difference between consumption, savings, and return insurance? Which is the best deal?

If you buy critical illness insurance, it is a lifetime death insurance, and it is generally a savings critical illness insurance. When the insured is insured during the insurance period, the insurance company pays the insurance money; If there is no insurance for life, then the insurance company will pay a death benefit when the insured dies.

If the critical illness insurance you purchased is a consumption-based critical illness insurance, then it is also possible that the insurance is not guaranteed for life, then at this time, even if you do not have an insurance during the insurance period, you will not be compensated at the time of death. The biggest feature of consumer-based critical illness insurance is that it has a high leverage ratio, and can obtain a high sum insured with low premiums, often without covering death. So who is consumer-based critical illness insurance suitable for?

It is also important to note that even if you purchase a savings critical illness insurance, if you are insured during the coverage period, there is generally no benefit even if you die later. If there is no insurance during the coverage period, then the family can file a claim when the insured dies. Note that when applying for a claim, you must prepare relevant information, and after the application is submitted in full and the insurance company is confirmed, then the insurance money will be paid to your family.

Pay attention to the following when preparing your claim information:What are the general claim information? Details determine the success or failure of a claim!

Hope.

After buying the social security for ten years, there will be a subsidy basis for the death of the person:

Article 17 of the Social Insurance Law of the People's Republic of China stipulates.

If an individual who participates in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members can receive funeral and funeral subsidies and pensions; Those who have completely lost their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age can receive sickness and disability allowance. The required funds are paid out of the basic pension insurance**.

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