Mild cases are not grouped and there is no payment interval.
Comprehensive protection, including specific disease protection.
2. Disadvantages of worry-free health C 1:
No serious visual impairment
The coverage of the disease is insufficient, and some of them lack high incidence and mild symptoms.
Extended data:
Matters needing attention in purchasing critical illness insurance
1, pay attention to the insurance liability of the contract.
After the insured has purchased and insured the critical illness insurance, it is very important for the insured to know what the insurance company promises to protect for the insured.
Therefore, the insured should clearly understand the liability clause of insurance. For example, if the insured dies or is totally disabled within the insurance validity period, the insurance company will make claims according to the amount agreed in the contract. Maturity payment is usually understood as premium refund, which means that when the insurance contract expires, if the insured is still alive and there is no serious illness claim, the insurance company will terminate the contract to pay the due insurance money.
2, it is necessary to clear the contract liability exemption.
It refers to the scope that the insurance company does not assume insurance liability according to the law or the contract, and the content of the exemption clause will be stipulated in the contract by listing.
The following major diseases are not covered by the contract: such as self-mutilation, crime, congenital diseases, nuclear radiation, war, etc. The insured should read these exemption clauses carefully before applying for insurance, because under relevant circumstances, the insurance company only bears the responsibilities agreed in the contract to the insured.
3. Pay attention to the premium and insured amount.
Insurance costs depend on the family's economic situation, and strive to pass on the greatest life risk at the lowest cost. It is suggested that the coverage of accident insurance should be 10 to 20 times of annual income, while that of critical illness insurance should be 5 to 10 times of annual income.
4. Pay attention to the collection of insurance money.
Once the insured has an insurance accident, the insured should know how to get in touch with the insurance company in time and claim compensation, and pay special attention to how long it takes to apply to the insurance company and what materials or supporting documents need to be provided when applying, so as not to miss the opportunity.
Baidu encyclopedia-critical illness insurance