I. critical illness insurance
Critical illness insurance, that is, insurance for major diseases, belongs to the nature of payment. After being diagnosed as a serious illness, the insurance company will pay the insured amount in one lump sum. The use of this money is up to you.
In 2007, the insurance industry association standardized the definition of serious illness, and the first 25 diseases and disease definitions of all companies were the same. Therefore, whether a product covers 50 kinds of serious diseases or 100 kinds of serious diseases, the core serious diseases are the top 25, accounting for 95% of all claims.
The first serious illness is malignant tumor, which is cancer. This disease, in the claims reports of various companies,
In China, an average of 654.38 million people are diagnosed with cancer every day, and 7 people are diagnosed with cancer every minute.
Among these 25 diseases, besides cancer, Bao also listed several other diseases with high incidence: acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, and end-stage renal disease.
The dominant critical illness insurance in the market not only protects major diseases, but also protects mild and moderate diseases.
What are the minor diseases? For example, acute myocardial infarction in severe cases, the corresponding mild cases are atypical acute myocardial infarction. Severe stroke sequelae, the corresponding mild symptoms are mild stroke sequelae.
There is no unified definition of China's disease in various companies, which can be divided into two situations. One is to classify diseases according to their severity, and those more serious than mild diseases are classified as China's disease. The other is that the original definition of mild diseases remains unchanged, and mild diseases with high incidence rate are directly classified as China's disease.
Second, medical insurance.
Medical insurance is reimbursement, which is the biggest difference between it and critical illness insurance. Within the scope of protection and insurance, you can reimburse as much as you spend. The role of medical insurance is to reimburse medical expenses. At present, the hottest product on the market is Million Medical. Millions of medical care costs hundreds of dollars a year, and the hospitalization insurance amount is as high as one million, which is very practical. Although it is difficult to make a million dollars, it is easy to get a million dollars as a guarantee. This product can effectively transfer the economic losses caused by serious illness to families.
I believe everyone knows what health insurance includes. In fact, critical illness insurance and medical insurance complement each other. Medical insurance is used to treat diseases, and critical illness insurance is used to compensate for income losses. Only by buying both, can our health protection be perfect. Health insurance needs to be tailored to different family situations. Only by buying what suits you is the best product.
I hope I can help you!