Then the senior sister will explain to you what is a serious illness green pass!
1. What does "green pass for serious illness" mean?
Green Link for Critical Illness is a value-added service provided by insurance companies for the insured. If the insured is unfortunately diagnosed with a major disease agreed in the contract within the validity period, he can generally have the services provided by the insurance company, such as expert consultation before diagnosis, expert doctor outpatient service, special person accompanying diagnosis and treatment, staying in an expert ward, arranging expert surgery, and post-diagnosis conditioning services.
There are many insurance companies in the market at present. In order to make their critical illness insurance products more attractive, they will generally provide rich services such as health consultation, medical expenses advance, overseas second diagnosis and treatment advice, free physical examination, telephone family doctor, road rescue, VIP telephone service, claim settlement, and policy priority service.
Specifically, how to choose the critical illness insurance products with green link service, Senior Sister has prepared an article for everyone, and interested friends can have a look:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
Second, how to buy critical illness insurance?
Critical illness insurance provides protection for major diseases, which can be guaranteed at any age, because people of every age are at risk of suffering from serious diseases. However, for the elderly, cancer insurance will be more intimate.
We must understand that a child's serious illness is not only likely to occur, but also the cost of treatment is high. In addition, the recovery period of the disease is not short, and the cost of rehabilitation and the loss of parents' income are not small.
When children were young, we began to take out critical illness insurance. One of the reasons is that it is cheap and highly leveraged. Moreover, children are healthy, easy to buy, with few medical records, and it is not easy to have claims problems.
At the same time, we always feel that major diseases will only appear around middle-aged and elderly people, and young people will not notice major diseases. The pace of people's work has accelerated a lot. Young people socialize very frequently and always stay up late to work overtime. Coupled with the influence of unreasonable diet and other factors, the probability of young people being diagnosed with major diseases has increased.
In addition, according to the annual claims data of a life insurance company in 20021,the risk rate of serious illness of middle-aged people aged 4 1 to 50 years old is 30.5%, second only to those aged 5 1 to 60 years old, ranking second in all ages! This data can clearly prove the risk of serious illness in middle-aged people.
Moreover, middle-aged people actually play the role of the main economic force in the family. With parents and children, the economic pressure is really great, and the pressure in the workplace is also enormous. Under such double pressure, the body is often in a sub-health state, and the risk of illness becomes greater.
According to the above, Senior Sister summarized ten critical illness insurances worth buying for different groups of people:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Third, the insurance lightning protection tips
In fact, many small partners are prone to blind insurance when insuring insurance products. They pay premiums without seeing the guarantee period or terms clearly, just like critical illness insurance. Some products can fully protect 100 kinds of diseases, and some products can only enjoy the protection of dozens of diseases. In addition, some critical illness insurance products can be guaranteed for life, but some critical illness insurance products can only cover a few items.
So sometimes, although it is the same insurance, different products are different in terms of cost, compensation ratio and coverage. So for many people, buying insurance is not a simple matter, which contains a lot of professional knowledge that is not easy to understand. We have to buy according to our own needs.
4. Where is the best place to buy insurance?
At present, the main insurance methods on the market are online insurance and offline insurance.
If it is offline insurance, we can purchase insurance through the offline service outlets of insurance companies or configure it through insurance salesmen. If it is online insurance, you can start insurance through the Internet insurance sales platform. For example, Xueba said that platforms such as insurance can be directly insured on mobile phones or computers.
In addition to the above insurance methods, you can also purchase insurance products through the official WeChat of the insurance company, telephone sales hotline, official website, or exclusive app.
At the end of the article, the senior will send you a small gift. Come and see what it is:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!