1. The main insurance coverage is 400,000, and the critical illness insurance is divided into three categories: 8 kinds of mild serious diseases, 10 kinds of children-specific serious diseases, and 45 kinds of common serious diseases. Mild illness and serious illness are the first diseases. Once diagnosed, 20% of the insured amount of serious illness will be paid, and the insured amount of 45 common serious diseases will not be affected. The coverage of children's specific critical illness insurance is the same as that of 45 common critical illness insurance. If you are sick for the first time, you will be paid as soon as you are diagnosed, and the coverage of 45 common serious illness insurance will not be affected. 45 kinds of serious diseases, the first diagnosis of diseases, once diagnosed, will also be paid immediately, the contract of serious illness insurance will be terminated, and the insurance amount of the main insurance contract will be reduced by the same amount. If it is not cured, pay the remaining amount of the main insurance. There is also an optional part of critical illness insurance, which is insured according to the number of shares. A premium is about 30 yuan per year, and the insured is subsidized 2000 yuan per month for serious illness, 3 months for mild serious illness and 6 months for other serious illness.
2. Accidental injury shall be paid immediately according to the disability grade,1level 0 * * * 28 1 item. It has nothing to do with serious illness and is paid independently. Accidents in self-driving (non-operation) and public transport, double indemnity.
3. Premium exemption. Exemption clause C means that the insured suffers from serious illness and is exempt from paying the residual premium (except for consumer additional insurance that pays for one year). Exemption clause B is that the insured (usually father or mother) is unfortunately suffering from a serious illness and is exempt from paying the remaining premium (except for consumer additional insurance that pays for one year). If you buy two copies of exemption B, it is a double exemption for parents.
4. For common diseases or accidents, medical insurance for accidental injuries (80% can be reimbursed above the social security deductible line 100, and both outpatient and hospitalization can be reimbursed) and lifelong hospitalization medical insurance (80% can be reimbursed without social security, and 100% can be reimbursed with social security).
5. Forget about other days in hospital.