The "critical illness" guaranteed by critical illness insurance usually has the following three basic characteristics:
First, "serious illness" will seriously affect the normal work and life of patients and their families for a long time;
Second, "the cost of treatment is huge." This kind of disease needs to be treated with more complicated drugs or surgery, and it needs to pay expensive medical expenses.
Third, it is not easy to cure and will last for a long time, even forever.
The insurance premium paid by critical illness insurance mainly has two purposes:
One is to pay high medical expenses for the insured due to illness, disease state or surgical treatment;
The second is to provide financial security for the insured after illness, and try to avoid the insured family from falling into financial difficulties.
Extended data:
Insurance needs attention:
1, honesty is paramount
When applying for insurance, customers should not conceal or falsely report any important facts, such as health status, age, etc. If it affects the insurance company's agreement to underwrite or raise the insurance premium rate, it shall fulfill the obligation of telling the truth.
2. Find out the terms
Some consumers may not be clear about their rights and obligations when they buy insurance, which may easily damage their rights and interests. Many insurance claims disputes are caused by the insured not knowing the insurance clauses at first. At the same time, a clear understanding of the terms will also help customers have reasonable expectations. Insurance companies are not "guaranteed" companies after all.
Step 3 keep the bill
All insurance-related documents, such as insurance applications, insurance policies and tickets related to diseases, such as certificates, medical records and invoices, should be properly kept. Insurance disputes caused by the loss of such bills are also common.
4. Reasonable collocation
After all, the coverage of a single variety of critical illness insurance is limited, so it is best to choose the best insurance combination according to your actual situation. The specific combination scheme can be designed by relevant insurance professionals.
China Ping 'an-Adult Comprehensive critical illness insurance
Baidu encyclopedia-critical illness insurance