1, critical illness protection
There are 85 kinds of serious diseases covered by medical insurance C/KLOC-0. Pay once and the basic insurance amount! No matter what kind of major diseases, most critical illness insurance are the same. Because the CIRC has made it clear that critical illness insurance must include 25 common critical illnesses, which account for more than 95% of all critical illness insurance claims. So basically, you don't have to worry about the situation of incomplete protection for serious illness.
2. Death protection
In the contract room, the auto insurance company pays the death insurance for whatever reason. Because health and worry-free are lifelong products, auto insurance companies will bear the burden of death, whether because of accidents or diseases. However, there is also a waiting period for illness and death. The waiting period is set for people who are worried that someone will cheat insurance. After the waiting period, no matter what causes the death, the insurance industry will compensate.
3. Specific disease protection
The six specific health care diseases C 1 are bone cancer, brain tumor, pancreatic tumor, septicemia, transplantation of important organs and coronary artery bypass grafting, which are actually supplements to the protection of serious diseases.
In other words, if you accidentally get a specific disease as agreed in the agreement, the bank will pay an additional 20% of the basic insurance amount after paying the critical illness insurance fund. For example, the insured amount is 500,000, and the tragic person suffers from a specific disease agreed in the agreement, and the available specific disease security fund is 500,000+65,438+10,000 (20% of the basic insured amount) = 600,000.
4. Minor illness protection
Mild illness is a very important part of critical illness insurance. If it does not include mild illness, it is definitely not an excellent critical illness insurance. Mild illness: some diseases that do not meet the compensation standard for serious illness, that is, mild illness in the early stage of serious illness.
Such as atypical myocardial infarction, intra-arterial surgery, adenocarcinoma, etc. It's all mild. Mild illness is usually the initial stage of severe illness, so it must be found and treated in time to avoid turning into severe illness. From this perspective, a minor illness can't be serious. And when the symptoms are mild, they may have a little financial burden than ordinary people.
Everything has the "28" principle, and so does the incidence of diseases. We should consider whether a product's mild illness protection is sound, not by how many mild illnesses it has, but by whether it contains eight major mild illnesses. Because these eight minor diseases account for 80% of the disease compensation.
Is there any serious illness insurance without death offline? There is a big gap between death and non-death in critical illness insurance. If product A is an online critical illness insurance product, a 30-year-old man will buy 500,000 insurance coverage and pay for it in 30 years to ensure that he will not die for life. Product B is an offline promotion product with built-in death protection. Under the same conditions, it is almost 1 1 000 yuan, which is expensive.
The payment of various commodities naturally varies greatly, just to let friends know better. I wonder if there is serious illness insurance for offline promotion? In fact, although it is not common, there are still some products. Take the following products as an example:
1, section c of China life insurance.
Kangningbao C is the return of serious illness under the China Renshou Group. You can choose to match the old-age security at will and refund the insurance premium when it expires. In terms of the composition of insurance, it can be matched with the renewal clause of e Kangyue Million Medical Insurance, and the serious illness+Million Medical Insurance, and the hospitalization fee for serious illness can be set with peace of mind. However, compared with the popular consumer critical illness insurance at this stage, there is definitely a difference.
Death protection of this product: if it is not additional, the old-age security will pay the insurance premium and policy value, whichever is greater; After additional old-age security: 120%- 160% of the insurance premium refunded.
2. Pingyang Life Super Treasure Celebration Activity Edition
Chaoneng Insurance Celebration Activity Edition is a returned serious illness for children under the Pacific Life Insurance Group, covering 120 kinds of serious illness +20 kinds of special serious illness compensation for teenagers +60 kinds of mild illness, guaranteeing 15-year renewal, enjoying millions of medical care and comprehensive protection. However, if you die, you can get back the premium paid by 150% to ensure the safety of funds.