The "Enjoy Your Health" critical illness protection plan covers cancer in situ and 30 kinds of critical illness protection. Detailed answers about health dividend insurance.
There are two main types of health dividend insurance, one is British dividend and the other is American dividend. What's the difference between these two dividend methods? In terms of receiving dividends, the dividends of the British can only be taken out after the contract ends after taking out insurance. The American dividend is different, and the insured can receive it halfway.
For the insured amount, the British dividend and the American dividend in health insurance are also different. British dividends can increase the amount of insurance for buyers. From the date of purchase, it grows with time. British dividends can be said to be a mandatory storage method. American dividends can be withdrawn at any time in the middle, and the liquidity of funds will be greater. Income can be taken out at any time, which can be said to be a part of small money compared with British dividend, but no matter which dividend method, it is most important to choose the one that suits you best.
The difference between health dividend insurance and health insurance
Most citizens will have a misunderstanding when buying health insurance. It is considered that health dividend insurance and health insurance are one kind of insurance. In fact, the two are different.
At present, there are two kinds of health insurance in the market, one is pure health insurance and the other is dividend health insurance. Health insurance is mainly the insurance for major diseases. If the insured suffers from a serious illness, the insurance company will pay the insured a fee according to the contents and requirements in the policy. Traditional health insurance pays the insured a fixed amount, that is to say, when the insured is seriously ill, although it can alleviate the economic pressure to a certain extent, once inflation occurs, there is no way. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Nowadays, with the introduction of health dividend insurance by several major insurance companies in the market, buyers can enjoy protection and get a certain dividend. This attracts more people to buy such insurance. Although the interest rate will change, the protection enjoyed by the insured will not be weakened by inflation. In this case, if the insured suffers from serious illness, the insurance amount paid by the insurance company to the patient will be higher than the original insurance amount.
Several misunderstandings of health dividend insurance
When buying health dividend insurance, you must consider your actual needs and not be affected by the market. Never go shopping on impulse. For children, it is more appropriate to buy dividend health insurance. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
Another misunderstanding is that the insured thinks that the higher the insured amount, the better the dividend health insurance. The insured amount must match your economic income and affordability. When consumers buy health insurance, if they want to surrender in a short time, they have to pay a large amount of compensation to the insurance company. But this compensation exceeds the average income. Insurance can indeed bring different degrees of protection to people's lives, but consumers should be reminded here that they must be cautious when buying insurance and choose insurance according to their actual needs. You shouldn't buy on impulse or follow other people's advice. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
The "Le Kang Worry-Free" refundable hospitalization medical insurance scheme has dual functions of insurance protection and premium refund.