Generally speaking, life insurance products such as accident insurance, fixed payment for critical illness insurance, term life insurance, etc. will not be affected by the number of insurance copies after the insured is out of danger, and the insurance companies involved will pay their own compensation within the scope of responsibility. However, medical insurance with cost compensation or children's insurance with compensation limit is not necessarily the case.
There are multiple "critical illness insurance" on hand, and you can also pay for it.
With people's attention to health, critical illness insurance is favored, and there will be repeated insurance.
For example, Xiao Ming bought a critical illness insurance in company A, with a coverage of150,000; After that, he bought a life insurance with a lifetime coverage of 300,000 in Company B, and attached a senior critical illness insurance with a coverage of 280,000.
What is certain is that once Xiao Ming is diagnosed with a serious illness, even if he is insured by different companies, as long as the serious illness is stated on the policy and his condition meets the compensation standard, he can get compensation from two insurance companies at the same time.
However, one thing needs to be pointed out? Once the insurance company pays the premium for critical illness insurance, the corresponding insurance contract is terminated. Moreover, if the critical illness insurance you buy is an additional insurance, then the contract of the main insurance will also be terminated, and the insurance company will only refund the cash value of the main insurance contract. This means that after Xiao Ming claims from two companies at the same time, on the one hand, he can get double indemnity, on the other hand, the life insurance of Company B will also be invalid.