First of all, it needs to be clear that major diseases covered by critical illness insurance refer to diseases that endanger patients' lives, require high medical expenses and affect patients' quality of life. Such as malignant tumor, chronic renal failure, paralysis and major organ transplantation.
According to the current statistics, the medical expenses of major diseases usually range from 654.38+10,000 yuan to 300,000 yuan, and it usually takes 6 months to 5 years to recover after surgery, during which the nutrition expenses and nursing expenses are no small burden. So the risk of major diseases is a major risk. Once it happens, we may or may not be able to bear it, but it will cause great economic trauma to the family.
Some people think that they already have social basic medical insurance (medical insurance) or commercial medical insurance, so there is no need to buy critical illness insurance. In fact, medical insurance and medical insurance are both compensation insurance for reimbursement after treatment, and the reimbursement amount cannot exceed the actual treatment cost. Medical insurance will not reimburse the part below the deductible line and above the capping line, even if it is within the scope of reimbursement, it will be reimbursed according to a certain proportion, generally 20%-30% will not be reimbursed. In addition, the use of medical insurance drugs is also restricted, and many imported drugs, tests and instruments are not covered by medical insurance. Commercial medical insurance generally has a deductible, and the part that exceeds the deductible can be reimbursed. This means that even if you have medical insurance or commercial medical insurance, once you suffer from a major illness, there will still be great economic pressure.
The biggest difference between critical illness insurance and medical insurance is that medical insurance needs to pay medical expenses first, and then be reimbursed with treatment documents. Critical illness insurance refers to a disease that meets the definition of critical illness agreed in the insurance contract, and can obtain the critical illness insurance premium paid by the insurance company. The amount paid has nothing to do with the actual treatment cost.
For example, I bought a critical illness insurance with a coverage of 500,000. During the insurance period, I suffered from a serious illness, and the actual treatment cost was 200,000. The insurance company pays 500,000 yuan, and the remaining 300,000 yuan can be used for follow-up rehabilitation or to make up for the loss of income caused by illness.
Therefore, critical illness insurance plays an irreplaceable role in medical insurance. First, some major diseases that meet the definition of insurance contract can be paid after diagnosis, and the insurance money obtained can be used for treatment, which can effectively alleviate the pressure of treatment; Second, critical illness insurance has the function of income loss compensation.
It is precisely because of the above reasons that it is very necessary to buy critical illness insurance. If you pay more attention to the cost performance of insurance, it is suggested that you can consider buying Internet critical illness insurance. Pricing does not include intermediary channel fees, and the premium is cheaper.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.