Is critical illness insurance 500 thousand a compensation of 500 thousand?

Not necessarily, it depends on the compensation ratio. For example, if you invest 500,000 yuan and the basic insurance coverage for critical illness is 65,438+000%, then you will get 500,000 yuan and 60% of the basic insurance coverage for chronic diseases, then you will get 300,000 yuan. In addition, if there is additional compensation for the content of the protection, there is a chance to get an extra sum of money when making claims. So, what coverage is the most suitable for us to choose? Different types of insurance have different needs. If you are interested, you can read this article: How much insurance is appropriate? Talk about the doorway inside.

In addition to the insured amount, it depends on the content of protection, such as whether there is protection for mild and moderate diseases corresponding to high-incidence diseases. If there is no protection for mild and moderate diseases, it is impossible to apply for compensation from insurance companies for moderate diseases. A good critical illness insurance often has the protection of mild and moderate diseases corresponding to high-incidence diseases, and the proportion of compensation is generally not bad. For example, Versailles plus not only covers mild and moderate diseases, but also pays 30% and 60% of the basic coverage for mild and moderate diseases. If you have a mild or moderate illness for the first time before the age of 60, you will get extra compensation. Interested friends can read this article to find out: Versailles plus critical illness insurance has returned heavily, so you must look at the in-depth evaluation before buying!

In addition to paying attention to the protection content of critical illness insurance, we should also pay attention to some minor problems, such as health notification. When applying for insurance, it is generally necessary to fill in the health notification form and truthfully fill in the health status. If you don't fill it out truthfully, the insurance company will find that you have concealed your illness, and the insurance company may not pay the insurance money. Therefore, when filling out the health notice, you must tell it truthfully. In addition, there are some tips. You can read this article: What are the tips for health notification when you are insured?

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