Hello! Generally speaking, in the practice of health insurance business in China, when consumers take out major insurance, the relevant insurance regulations of insurance companies generally include three aspects:
1. Require the applicant to truthfully inform the age and physical condition of the insured, and ensure that the age and physical condition of the insured conform to the provisions of the insurance clauses.
2. Many insurance companies stipulate a waiting period with a certain period for critical illness insurance, and only insurance accidents that occur outside the waiting period can be compensated.
Insurance companies usually stipulate that there are specific insurable diseases, and only diseases that meet the insurance requirements can get insurance compensation.
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Is health insurance a critical illness insurance? Which is better for health insurance? Hello, there are many kinds of health insurance. Generally speaking, choose the corresponding insurance according to your own needs. I have made some suggestions for different age groups, you can refer to them.
If you are an elderly person, you can buy accident insurance and major illness insurance, such as filial piety 99 insurance of Sunshine Insurance, which is specifically for the elderly. Low premium and high security, simple and fast insurance procedures, no need for physical examination;
If you are a child, you can buy major diseases and accidents, such as Sunshine Insurance's Seven-color Sunshine Children's Major Disease A Insurance, which covers 20 major diseases. The amount of guarantee is 50,000, 654.38+10,000,1.5,000 and 200,000, which can be freely selected. Specially customized for babies aged 0 (more than 30 days)-65,438+07. The insurance period is one year, and it can be renewed upon expiration. There is also comprehensive accident (including rescue) insurance for child safety guards, minimum living guarantee and multiple guarantees, including 9 emergency accident rescue services and 24-hour intimate service. Very cost-effective.
If you are pregnant, you can choose insurance specifically for pregnancy, such as Sunshine Life Maternal and Child Health Insurance A, to increase your peace of mind during pregnancy, which is the guarantee for pregnant women and newborns during pregnancy.
If you are a woman, you can choose insurance related to specific diseases of women, such as sunshine insurance, which covers all kinds of high-risk diseases of women and has a wide range of rights and interests.
In short, buying insurance is not guaranteed by spending a lot of money. You should choose according to your own needs. Welcome to ask, hope to adopt.
In health insurance, the insurance period payment of illness insurance belongs to the scope of major diseases (agreed in the policy contract), which belongs to early payment, and other diseases belong to the nature of reimbursement.
What is the subsidy of the insurer for insurance against illness? Hello, what does subsidy mean? Critical illness insurance is generally paid according to the basic insurance amount; Medical insurance is the reimbursement of medical miscellaneous expenses in proportion during hospitalization, and the two can complement each other.
In health insurance, what kind of insurance benefits does sickness insurance belong to? The insurance premium in health insurance is paid when the customer is in danger. If there is no risk, the insurance premium has been in the insurance company and will be collected after the contract expires.
Male 64-year-old health insurance, what disease insurance is there? Hello! For your age, we don't recommend buying commercial critical illness insurance! Can be insured according to this insurance idea, accident insurance+medical insurance+cancer insurance. I am an agent, welcome to communicate.
Guide to health insurance coverage Health insurance coverage should first consider whether age and physical condition can be insured. If there is no problem, I mainly buy critical illness insurance, and I can add hospitalization allowance insurance. Specifically, you can look at E Ping An's health insurance.
Does China Life's health insurance, that is, sickness insurance, exist? Life insurance includes health insurance, which all life insurance companies have.
Is Evergrande critical illness insurance a commercial health insurance? Yes, but note that the solvency of Evergrande Life Insurance Company is always at the bottom of the industry.