Men have a high incidence of critical illness and know that men have major diseases

Don't know what age you are. According to the statistics of Renren Insurance, it was found that men of different ages have different health problems, such as a high proportion of abnormal heart electrocardiogram and hepatitis B virus in men under 30 years old, a high proportion of hyperlipidemia, fatty liver and obesity in 30-40 years old, a high proportion of osteoporosis, bone mineral reduction and hemorrhoids in 41-50 years old, and a high proportion of preprandial blood sugar in people over 50 years old.

I feel that critical illness insurance is indispensable now. Hope you find this advice helpful!

Of the 45 diseases covered by Ping An Insurance's men's critical illness insurance, 28 of them are required by the China Banking and Insurance Regulatory Commission (CBIRC) to be included in all critical illness insurance, while other diseases may vary from one critical illness insurance product to another.

The China Banking and Insurance Regulatory Commission requires that all critical illness insurance must include these 28 critical illnesses.

When choosing critical illness insurance, some people usually have the misconception that the more critical illnesses covered by critical illness insurance, the better.

But in fact, when men buy critical illness insurance, they can't simply look at the number of diseases covered, but whether they are covered to high-incidence diseases, especially whether there are additional claims for some specific high-incidence critical illnesses for men. There are some critical illness insurance policies on the market that can cover a wide range of diseases, and the protection seems to be very comprehensive, but the probability of illness for most of the covered diseases is very small, and the probability of receiving compensation is not high. For those who don't know how to buy, you can take a look at this article:

What kind of insurance can cover critical illnesses? What critical illness insurance is worth buying?

So how should you buy the right critical illness insurance for yourself?

1. The amount of protection should be sufficient.

When purchasing critical illness insurance, there are two factors that must be taken into account: five years of lost income and long-term** expenses. If you have a major illness, it generally takes 5 years**, and during these 5 years, the patient basically has no income**.

In addition to the role of making critical illness claims go smoothly, it also needs to be turned into "income loss insurance" to ensure that our living standards are not downgraded. After all, most men are the breadwinners of the family, and not being able to work can have a big impact on the whole family.

So how much insurance is suitable for your own posture? For those who want to know, you can take a look at this article: How much insurance is appropriate to buy a tomb? Let's talk about the doorway inside.

2. The guarantee should be comprehensive.

An excellent critical illness insurance that requires protection for both moderate and mild illnesses. Therefore, men need to pay special attention to this when buying critical illness insurance.

There are some critical illness insurance products on the market that do not have moderate illness protection, or only partially cover high incidence and mild illness, so if you encounter such critical illness insurance, it is best not to buy it.

In addition, it is also necessary to pay attention to the compensation ratio of mild to moderate illness, which is generally 30% of the basic sum assured, and the best proportion of compensation for moderate illness is 60% of the basic sum insured.

1.Malignancy.

2.Erosive molar pregnancy (also known as malignant molar pregnancy).

3.Acute myocardial infarction.

4.Severe primary pulmonary hypertension.

5.Heart valve surgery.

6.Severe primary cardiomyopathy.

7.Sequelae of stroke.

8.Coronary artery bypass grafting (or coronary artery bypass grafting)9Aortic surgery.

10.Severe infective endocarditis.

11.Major aplastic anemia.

12.Major organ transplantation or hematopoietic stem cell transplantation.

13.Deafness in both ears.

14.Decompensated chronic liver failure.

15.Blindness.

16.Systemic lupus erythematosus is complicated by renal impairment.

17.Loss of language skills.

18.Acute or sub-acute ten-sensitive grip severe hepatitis.

19.Severe ulcerative colitis.

20.End-stage renal disease (or chronic renal failure, uremia phase)21End-stage lung disease.

22.Pancreas transplant.

23.Laparotomy for acute necrotizing pancreatitis.

24.Severe cystic disease of the renal medulla.

25.Severe Wilson's disease (Wilson disease).

26.Severe autoimmune hepatitis.

27.Severe diffuse systemic scleroderma.

28.Benign brain tumors.

29.Sequelae of encephalitis or sequelae of meningitis.

30.Deep coma.

31.Severe Alzheimer's disease.

32.Paralysis.

33.Severe multiple sclerosis.

34.Severe Parkinson's disease.

35.Severe motor neuron disease.

36.Severe brain injury.

37.Severe dementia not due to Alzheimer's disease.

38.Vegetative state.

39.Multiple limbs are missing.

40.Severe type 1 diabetes.

41.Severe burns.

42.Severe rheumatoid arthritis.

43.Elephantiasis.

44.HIV infection through blood transfusion.

45.Severe muscular dystrophy.

1. From the perspective of types: there are nearly 700 small items in these 45 categories of major diseases, including nearly 500 types of cancer, 21 kinds of myocardial infarction, 21 kinds of stroke, and 40 kinds of benign brain tumors, covering all organs of the human body.

2. From the perspective of the whole body, there are 45 types of male celery and 45 types of female critical illnesses: they have not been saved from the head to the feet.

Pacific Insurance covers 60 major illnesses, plus 12 minor illnesses, and 72 illnesses. The scope of the first insurance is 30 days to 65 years old. Insurance, accidents, also participate in the company's dividends, pay long-term profits, and also change the reputation of the old number for pensions.

There are 60 types of critical illnesses and 15 types of minor illnesses in life insurance, which you can learn about.

Hello, you can learn about the 60 major diseases and 12 mild diseases in the Pacific Ocean. Good choice.

Hello, there are 60 kinds of critical illnesses and 15 kinds of mild diseases in Xinhua, with low payment and high protection.

CPIC Critical Illness includes 60 critical illnesses, 12 mild illnesses, and 72 categories.

There are 8 kinds of minor illnesses included in the contract.

Hello, the best product we have in the Pacific Ocean is Jinyou Life, 60 serious illnesses and 12 mild diseases.

Xinhua Health has 60 types of critical illnesses and 15 mild diseases.

You can learn about Taiping Life's Welfare Health+ and Fuyou Jinsheng, both of which are very good.

Kept from head to toe, except for the teeth!

From head to toe, except for the hair to know the nails.

Xueba talks about insurance, focusing on men's insurance evaluation! Here is a comparison table of the latest popular critical illness insurance in China, which will be free for a limited time:"Comparison Table of 136 Popular Critical Illness Insurance in China".

Why should men buy insurance?

From ancient times to the present day, men have been considered the leaders of society and the heads of families. Therefore, for men, only if they are healthy enough can they support the normal operation of a family, but a large number of socializing and frequent business trips make men bear greater health risks than women. The economic contribution is the most important, but the risk is the highest, so people in the industry say that the most important person in the family should be the man who is the breadwinner.

What insurance is good for men?

Critical illness insurance basically has to be bought, buy it right or not, here is a set of good products, believe me and you will take a look:"Top 10 Popular Critical Illness Insurance Points for Men Worth Buying! 》

When buying insurance, men should choose products that are suitable for them according to factors such as age, physical fitness, family situation, income level, and debt situation.

Young men in their 20s and 30s, who have just graduated from school or just joined the workforce, have not started a family, and do not have a strong sense of family responsibility, at this time the main purpose is self-protection. The younger age of the disease makes it impossible to ignore the possible risk of disease, and because young people are active and active, the risk of accidents has also increased a lot. Therefore, this age group should focus on pure protection products such as health insurance and accident insurance, critical illness insurance + medical insurance + accident insurance, with low premiums and high protection.

Middle-aged men aged 30-45 have to support the elderly, raise children, and may also be burdened with car loans and housing loans, coupled with work pressure, many people feel breathless. On the one hand, children are studying, and it is the time when they need the best educational resources to support them most, and they will go to university in the future, so they will bear a high educational burden; On the other hand, as parents get older, the demand for medical resources and the pressure on pension costs are increasing. And he has gradually entered a period of high incidence of critical illness. Therefore, men of this age must buy insurance to share the pressure, and they are generally equipped with critical illness insurance + medical insurance + accident insurance + term life insurance.

Middle-aged and elderly men aged 45-55 have to admit that their health is getting worse and worse, and the risk of serious illness is getting higher and higher. Critical illness insurance is not recommended to choose, it is extremely easy to have the phenomenon of inverted premiums, and when people reach old age, their legs and feet become inconvenient, and they often fall into each other, so they need an accident insurance. The next thing to buy is medical insurance, if you are in good health, you can buy a million medical insurance.

When you are not in good health, it is recommended that you buy a million-dollar cancer insurance policy, which will greatly reduce the loss caused by treatment.

Breakdown of 28 categories of critical diseases in men:

Malignancy. Acute myocardial infarction.

Sequelae of stroke.

Major organ transplantation or hematopoietic stem cell transplantation.

Coronary artery bypass grafting (also known as coronary artery bypass grafting) End-stage renal disease (also known as chronic renal failure, uremia phase) Multiple limb losses are missing.

Acute or subacute severe hepatitis.

Benign brain tumors.

Decompensated chronic liver failure.

Sequelae of encephalitis or sequelae of meningitis.

Deep coma. Deafness in both ears.

Blindness. Paralysis. Heart valve surgery.

Severe Alzheimer's disease.

Severe brain injury.

Severe Parkinson's disease.

Severe burns.

Severe primary pulmonary hypertension.

Severe motor neuron disease.

Loss of language skills.

Major aplastic anemia.

Aortic surgery.

Severe multiple sclerosis.

Severe type diabetes.

Severe primary cardiomyopathy.

Tumors are a type of cancer and are covered by the claim.

Absolutely impossible... Insurance companies are not money changers.

If cancer has been detected, it is denied insurance, and we should configure insurance in advance to prevent it from happening.

Men buying critical illness insurance are still different from women, and the following aspects need to be paid attention to:

1. The sum insured should be sufficient

Generally speaking, men are the breadwinners and main force of the family, and bear the main economic responsibilities of the family.

In the unfortunate event of illness, the mental impact will be severe and the main income** of the family will also be interrupted.

Therefore, in addition to medical and ** expenses, it is also necessary to consider the financial interruption in the event of illness, as well as the funds to maintain the future life.

Therefore, when male friends apply for critical illness insurance, it is particularly important to buy enough insurance, the minimum insurance amount should not be less than 300,000 yuan, and it is recommended to buy 500,000 yuan or more if the budget is sufficient.

2. Priority is given to lifelong protection

From the perspective of the protection period, it is recommended that male friends buy critical illness insurance and try to choose lifelong protection.

As people age, the incidence of critical illness is getting higher and higher, especially middle-aged men, who are under more pressure and their physical fitness is also declining.

The lifelong critical illness protection covers the period of high morbidity, and there is no need to worry about the deterioration of health after the insurance period and the inability to buy other products.

However, we remind everyone that you must choose the coverage period after you have bought enough of the sum insured, and do not sacrifice the sum insured for the sake of the term.

If your budget is not enough, you can choose regular protection first, such as up to the age of 70, and then add a suitable whole life critical illness insurance when you have enough financial means.

3. Pay attention to the protection of high-incidence diseases in men

For example, the male genitourinary system diseases and cardiovascular and cerebrovascular diseases mentioned above are all high-incidence diseases in men.

At present, many insurance companies are also taking a differentiated route and developing critical illness insurance covering specific diseases of men and women, with more humane and targeted product design.

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

There is no specific regulation on the number of critical illnesses, and each insurance company determines it by itself, but the state stipulates that 25 types of critical illnesses must be present. Starting next year, according to the new critical illness insurance regulations, three types will be added on the original basis. If there is an insurance consultation, pay attention to the message at any time.

There are 25 types of high-incidence critical illnesses that must be included in critical illness insurance, such as malignant tumors, sequelae of stroke, and acute myocardial infarction.

Now there are more than 80 normal types. Often, some of them have 100 plus 20 mild symptoms. It is better to write about severe blood and mild disease.

In order to protect the health of men, you need to protect your boyfriend with critical illness insurance, as well as the high level of stress and busy life and work that make men more susceptible to critical illness insurance. What is the best critical illness insurance for men?

When the financial conditions permit, it is recommended that you give priority to long-term critical illness insurance, which not only provides long-lasting critical illness protection, but also carries a certain amount of insurance income. Here are a few things you need to pay attention to before you apply for insurance:

1. Based on the actual situation of critical illness insurance of each insurance company, choose the most cost-effective and suitable critical illness insurance.

2. Before purchasing medical insurance, you must carefully read the terms of insurance liability and understand the scope of liability of medical insurance.

3. Pay attention to truthful notification and autograph when applying for insurance, choose a hospital approved by the insurance company when you are hospitalized and report the case in time, and require the first person to make a list of the required information at one time and keep it as needed.

4. Pay attention to the deductible clause. For compensatory medical insurance, insurance companies have a deductible, and those who are less than the deductible cannot be compensated. To buy critical illness insurance for your boyfriend, it is recommended to give priority to long-term critical illness insurance products, Huize.com is a professional health insurance insurance platform, which can provide professional critical illness insurance products and services, I hope it can help you.

Sunshine Hearts 128 Critical Illness Protection Plan.

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