1: Whether multiple claims for critical illness will be paid

The probability of a serious illness occurring is not high, but once it occurs, it will be difficult to buy insurance again. A dozen years ago, many people would have thought that cancer was basically an incurable disease, but now, you will find that many of the people around you who have cancer can be treated, and with the development of medical technology, some diseases in the future The cure rate will get higher and higher.

2. Is the grouping reasonable?

Different insurance companies have different groupings for critical illness insurance with multiple claims. Some companies will include acute myocardial infarction, sequelae of stroke, The three diseases of coronary artery bypass grafting are classified into the same group, such as AIA, but most companies classify these three diseases into two groups. We will not make a detailed analysis here. You can read the terms.

Some companies group malignant tumors into a separate group. Malignant tumors are the top disease in all companies’ critical illness insurance claims. Being in a separate group is still very valuable and will not affect other diseases. Sickness benefits.

3. Differences in types of minor illness

Nowadays, critical illness insurance has minor illness and minor illness exemptions, but the types of mild illness vary greatly between different companies. For example, Ping An Fu-mild illness does not include three high-incidence mild illnesses: atypical acute myocardial infarction and coronary intervention surgery. For minor strokes, some companies may lack one of them. These details need to be paid attention to when choosing insurance products.

4. Insurance rate

The insurance rate is actually very important. With the same budget, some companies can only insure an amount of 500,000, while some companies can insure up to 500,000. 800,000, and some companies can cover up to 1 million. No matter which company has an insured amount of 500,000, it will not pay out 1 million if a risk occurs. On the contrary, if the insured amount is 1 million, once a risk occurs, it will not only pay compensation. 500,000.

5. Other precautions for mild cases

The types of mild cases and the coverage period, whether mild cases are grouped, and whether they can be covered for life, are all things that need to be paid attention to. This article is just a reminder. , I won’t do a detailed analysis. Some companies guarantee it until the age of 75, some companies guarantee individual products until the age of 85, and some companies guarantee it for life.

6. Whether the policyholder exemption can be attached?

Even if the policyholder exemption products can be attached, the liability of different companies varies greatly. Some companies have serious illness, minor illness and health insurance. Therefore, some companies do not include exemptions for minor cases. These are very detailed differences, but if you are not paying attention as a consumer, it is difficult to find them.

Extended information:

Critical illness insurance is critical illness insurance, which refers to specific major diseases handled by insurance companies, such as malignant tumors, acute myocardial infarction, sequelae of stroke, etc. As a protection item, when the insured suffers from the above-mentioned diseases, the insurance company provides a fixed benefit for the medical expenses incurred by the commercial insurance.

Principles of use

1. If the insurance company names the product as critical illness insurance, and the insurance period is mainly for adults (over 18 years old), the scope of diseases covered by the product will be It should include malignant tumors, acute myocardial infarction, stroke sequelae, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or chronic kidney disease) within this standard. Functional failure, uremic stage);

In addition to these six diseases, insurance companies can choose to use other disease types within the scope of this standard; at the same time, the above-mentioned diseases should use the disease names and names of this standard. Disease Definition.

2. Based on market demand and experience data, each insurance company can add other disease categories beyond the scope of this standard disease to its critical illness insurance products and formulate relevant definitions on its own.

3. In the critical illness insurance clauses and supporting promotional materials, the disease types specified in this specification should be arranged in the order listed in 3.1 of this specification and placed before the disease types added by each insurance company; at the same time, A distinction should be made between the two.

4. When an insurance company sets exclusions for critical illness insurance, the circumstances in which the insurance company will not assume insurance liability for the disease, disease state, or surgery performed by the insured cannot exceed 3.2 of this specification. prescribed scope.

Reference materials:

Baidu Encyclopedia-Critical Illness Insurance