What is critical illness insurance good for, is critical illness insurance useful

The benefits of critical illness insurance are very simple, because the current medical level has made great progress, and some fatal diseases that used to be fatal can now be used. Therefore, a major illness does not kill you, but you need money. There is only one word between rich and poor, and that is disease.

Critical illness insurance, on the one hand, can reduce the burden on the family in the event of a critical illness, and on the other hand, it can provide a sum of life-saving money in the event of a critical illness.

I don't know if I said it clearly, if you still have questions, please feel free to ask.

Critical illness insurance is insurance that protects critical illnesses, and the better critical illness insurance on the market now generally includes severe, moderate and mild illness protection.

If the insured suffers from a contracted illness, he or she will receive a lump sum payment from the insurance company.

Generally, the cost of suffering from a critical illness is about 20-500,000 yuan, and the recovery time is relatively long.

Even if you can really go to work, employers are afraid to hire them.

If there is a critical illness insurance coverage, the insured person can receive a lump sum payment after the diagnosis of the contracted illness.

This indemnity can be used as a ** expense, or as a living expense for the next few years, how to use it is completely at the discretion of the insured, and the insured does not have to have too much financial pressure in a few years.

Critical illness insurance is useful, depending on the situation.

1. Advantages: 1. A weapon to resist the biggest risks in life.

Critical illness insurance is simply illness insurance that takes illness as a condition for the payment of insurance benefits. That is, as long as the insured suffers from a certain disease listed in the insurance policy, regardless of whether or not medical expenses are incurred or how many expenses are incurred, the insurance company can receive a fixed amount of compensation.

2. Guarantee digitalization and payment upon diagnosis.

If you have purchased critical illness insurance, as long as the diagnosed disease is in line with the insurance terms, you can get a one-time payment from the insurance company, on the one hand, you do not need to pay the medical expenses in advance after the illness, and more importantly, it reduces the burden of personal medical expenses.

3. Compulsory savings and special funds.

If nine out of every ten of us die due to a major illness, then in the future, in the face of major illness, do we have a sum of money that can be earmarked? Some people may think that if you are suffering from a critical illness at an advanced age, most of the money you pay for the insurance is accumulated in the past, which seems to be not cost-effective.

Second, the shortcomings. If you don't have enough budget or are in good condition, you can consider buying later.

Test your anti-risk index, experts will interpret it for you for free!

Nowadays, major illnesses often appear around us, and the cost is very huge. If we have the power to purchase critical illness insurance, the insurance company will be responsible for reimbursing part of our medical expenses, which can reduce our burden. So what does critical illness insurance cover?

There are generally 6 types of diseases, including: malignant tumors, myocardial infarction, sequelae of stroke, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, and end-stage buried kidney disease (or chronic renal failure uremia).

Different critical illness insurance has different contents, but the critical illness insurance in the market will include 28 critical illnesses stipulated by the Banking and Insurance Regulatory Bureau, as well as other critical illnesses defined by insurance companies, such as the content of Jinyou Life Critical Illness Insurance.

Jinyou Life Insurance includes:

1.Critical illness benefit, covering 100 types of critical illnesses, 100% of the basic sum assured for confirmed diagnosis.

2.Minor illness coverage: Covers 50 types of minor illnesses, with a maximum of 3 claims, and 20% of the basic insurance amount each time. In the unfortunate event of death, the basic insurance amount and the accumulated dividend insurance amount shall be paid.

3. Serious diseases include: malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass, end-stage renal disease (or chronic renal failure uremia), multiple limb deficiency deficits, acute or subacute severe hepatitis, benign brain tumor type airborne, compensation period of chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness, blindness, paralysis, heart valve surgery, severe Alzheimer's disease.

The so-called critical illness insurance is a kind of commercial insurance behavior in which the insurance company pays a fixed amount to the insured for the illness agreed in the contract. Critical illness insurance is a benefit-type insurance, that is, if the insured has an insured accident agreed in the contract, the insurance company will pay according to the insured amount purchased, even if multiple critical illness insurance policies are purchased, the claim can be stacked.

There are three things to keep in mind when choosing the right critical illness insurance:

1. Be targeted, and apply for insurance on demand.

For example, children's purchase focuses on whether they have specific critical illnesses for children, and women can consider whether they cover women's diseases such as breast diseases.

2. Pay in installments to reduce the burden.

There are two ways to pay premiums for critical illness insurance, which can be divided into lump sum payment and installment payment. Although there will be some ** discounts for paying the premium in full at once, for ordinary consumers, the premium of critical illness insurance is more affordable to pay in installments. In addition to lowering the annual premium and reducing the pressure on spending, once the insurance is out during the payment period, the premium may be directly reduced in the following decades.

3. Live within your means and do what you can.

In terms of the purchase channels of critical illness insurance, it is recommended that the total premium should not exceed 10% of the annual income within the limits of one's own financial ability, so as not to affect the current quality of life.

There is still a long way to go, and there are always unpredictable times in life. Critical illness insurance is a means of preventing the risk of disease, and the sooner you buy it, the more you can use it to resist the financial pressure caused by future illness.

According to the different groups of insured people, it is divided into critical illness insurance for children and teenagers, critical illness insurance for the elderly, critical illness insurance for women, etc. According to the types of serious illnesses, they can also be divided into 10-20 types of critical illness insurance, 20-30 types of critical illness insurance, 40 types of critical illness insurance, etc. At the same time, critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent.

According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-based critical illness insurance.

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

1.The insurance can pay the insurance benefits after the insured person suffers from malignant tumors, paralysis, severe cerebral hemorrhage sequelae and other serious, moderate or mild diseases as agreed in the insurance contract, and some critical illness insurance and death or disability protection;

2.Critical illness insurance can effectively compensate for the loss of income caused by critical illness;

3.Critical illness insurance can reduce the financial loss of the family after the insured suffers from a critical illness;

4.Critical illnesses often require a long process** and expensive medical costs. The premium paid by critical illness insurance can be accepted by the insured with peace of mind**, and the situation that cannot be effectively obtained due to financial situation is minimized;

5.Critical illness insurance can effectively prevent people from falling back into poverty due to illness;

6.Critical illness insurance can make up for the lack of social security to a certain extent;

7.Critical illness insurance can effectively protect against critical illness risks;

8.If it is a return-type critical illness insurance or a savings type critical illness insurance, it also has the function of protection and savings.