Why buy critical illness insurance?
Reason one: a sharp weapon to resist the biggest risk in life.
According to the data released by the Ministry of Health in June, 2008, the probability of suffering from major diseases in one's life is as high as 72. 18%. At present, the average treatment cost of major diseases is generally more than 654.38+10,000 yuan (excluding recovery costs and lost time). So, what do we rely on to resist this sudden risk?
Critical illness insurance, in short, is disease insurance with illness as the condition of paying insurance money. That is, as long as the insured suffers from a certain disease listed in the insurance clause, regardless of whether or not medical expenses occur or how much expenses occur, he can get the fixed compensation from the insurance company.
The "serious illness" covered by critical illness insurance usually has the following two basic characteristics: First, the "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". Such diseases need to be treated with more complicated drugs or surgery, and expensive medical expenses need to be paid.
The insurance money paid by critical illness insurance mainly has two purposes: one is to pay the high medical expenses incurred by 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.
The second reason is to ensure digitalization and pay after diagnosis.
After purchasing critical illness insurance, as long as the diagnosed disease is the subject of the insurance clause, you can get a one-time payment from the insurance company. On the one hand, there is no need to pay medical expenses in advance after illness, and more importantly, it can reduce the burden of personal medical expenses.
For example, a critical illness insurance with a coverage of 200,000 only pays for one year. As long as it is diagnosed as a serious illness, it will be settled according to the coverage of 200,000, instead of paying insurance money. If the annual premium is 5,000 yuan, and you suffer from serious illness for the first time in the second year and get 200,000 yuan, then this 654.38+0.95 million is the most digital embodiment of the so-called protection.
Reason three: compulsory savings, earmarking.
If nine out of every ten people die of major diseases, can we have a sum of money for special purposes in the face of major diseases in the future?
Some people may think that when you are seriously ill at an advanced age, most of the insurance money you pay is accumulated in the past, which seems uneconomical.
In fact, insurance protection is a process, not a fragment.
Under the same terms, everyone is equal. There is no doubt that the safeguard function of critical illness insurance in the early stage makes insurance companies bear huge risk opportunities. Because the risk of serious illness is unpredictable, no one can say when he will get sick. We can't wait until the fourth steamed bread is full to complain that the first three steamed bread should not be eaten, and we can't eat the fourth steamed bread at the beginning.
Reason 4: critical illness insurance is suitable for everyone.
Some people will say, I have social security, the unit welfare is very good, and there is no need to buy critical illness insurance. Is that really the case?
(1) Social security only reimburses medical expenses caused by diseases, but medical expenses caused by accidental injuries cannot be reimbursed; Social security does not pay for accidental injuries and accidental medical responsibilities during non-work; Regardless of accidental death or illness, social security has no compensation for death. After death, only the amount of personal account at that time is returned, which is very small.
(2) China's social security reimbursement or unit reimbursement is first of all a concept of expenditure before compensation, that is to say, even within the scope of compensation, how much you have to spend before you can reimburse on this basis, and the amount we reimburse will not be greater than the total expenditure. Imported drugs and nutritional drugs that are not on the list of publicly-funded medical drugs cannot be reimbursed.
(3) The social medical co-ordination fund is "guaranteed but not helpful" to medical insurance personnel. Social security has the limitation of deductible, and the expenses within the limit need to be paid by themselves. The proportion and amount of hospitalization expenses and serious illness medical care are relatively high.
(4) Social security focuses on security, and the payment standard is based on ensuring the basic life of the insured. It is not enough for people who pursue high quality.
Therefore, for people without medical insurance, critical illness insurance is particularly important. For people with medical insurance, critical illness insurance can be a necessary supplement.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.