Different from ordinary medical insurance, the coverage of cancer medical insurance is limited to cancer, so it is more relaxed about health notification and insurance age.
Because of the above characteristics, cancer medical insurance is suitable for people who are old, three high, diabetic or cardiovascular and cerebrovascular diseases and cannot buy millions of medical insurance.
1. The product guarantee content is as follows: Insurance age: 28 days for the first time to 70 years old, and can be extended to 99 years old.
Occupation restriction: 1-4 occupation.
Waiting period: 90 days
Safe area: public hospitals of Grade II and above in Chinese mainland.
Coverage: The coverage of general cancer insurance is relatively simple, mainly for reimbursement of cancer diagnosis and treatment expenses. There are three versions of this product, and the premium price is scheme 3 > scheme 2 > scheme 1. The prices of scheme 1 and scheme 2 are almost the same, while the price of scheme 3 is 2-4 times that of scheme 1. ..
Conditions for renewal: the change of health status does not affect the renewal of insurance, and the insurance can be renewed without stopping sales.
Health notification: In the 20 18 health notification for cancer prevention patients, the requirements for health abnormalities unrelated to cancer occurrence, such as cardiovascular diseases, were relaxed. However, the requirements for diseases that may lead to cancer are still very strict, such as nodules, hepatitis B, and whether close relatives have cancer.
Second, product advantages and disadvantages: product highlights:
Support endowment insurance, which can be insured at the age of 70 and can be insured until the age of 99.
After social security reimbursement 100% is fully reimbursed, with 0 deductible.
Disadvantages:
The warranty period of the product is 1 year, and the premium increases year by year with the increase of age.
Compared with similar products, the premium is more expensive. If you are insured at the age of 60, the premium is 1.3 million yuan.
It is claimed that the warranty can be renewed until the age of 99, but the product has the risk of stopping selling. Once the sale is stopped, it is necessary to re-insure other types of insurance and re-enter the 90-day waiting period. If there is an accident during the waiting period, the insurance company will not bear the responsibility. In another case, if claims are used during the insurance period, the insurance cannot be renewed the next year because the product is discontinued, and then if other products are invested, basically no company can underwrite it.
Extended reading:
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