Suppose you bought Ping An insurance when you were in good health, died unexpectedly and became seriously ill. I have been insured for three years and now I have been diagnosed with cancer. Have you s

Suppose you bought Ping An insurance when you were in good health, died unexpectedly and became seriously ill. I have been insured for three years and now I have been diagnosed with cancer. Have you settled the claim? Hello! I bought critical illness insurance to prevent the risk of serious illness in the future. Once the risk comes, there is an emergency cash to pay for high medical expenses. Generally, the critical illness protection will set a waiting period, and after the waiting period, the critical illness will take effect. As you said, after paying the premium for three years, the general waiting period has passed. Once you suffer from a serious illness in the clause and see a doctor in a hospital above the second level recognized by the national health department, the chief physician will sign it, and the insurance company will definitely pay for it after investigation and confirmation. When it comes to early cancer, it depends on the diagnosis of the hospital and whether it meets the conditions. At present, the definition of cancer is defined by the China Insurance Association's Criteria for the Definition and Use of Critical Illness Insurance Diseases, which clearly stipulates that disgusting cells grow and spread uncontrollably, invade and destroy the surrounding normal tissues, and spread and transfer to other parts of the body through blood vessels, lymphatic vessels and body cavities. Benign cysts are not a serious disease. I hope it will help you insure. This is Yang Qiang from Beijing Branch of Taiping Life Insurance. If necessary, you can communicate online through QQ or email, communicate first and learn more about your insurance plan. I hope ten years of insurance experience can give you some help.