So, in the face of the raging cancer, we need to pay attention in our living habits as well as the ability to transfer the risk. For cancer patients, enough money can help them win the hard battle of cancer. Commercial insurance can play a good complementary role, especially critical illness insurance, once diagnosed, according to the contract, you will be able to get a sum of money, how to use this money depends on the patient himself. One thing is certain, this money can greatly relieve their financial pressure. Here we talk about the insurance that can cover cancer, the main contents are:
1, what are the insurance that can cover cancer?
2. What is cancer insurance?
3, what are the types of cancer insurance?
4, how to buy cost-effective?
I. What are the types of cancer insurance?
1, social security
Social security, as a national benefit, can reimburse part of the cost of treatment for major diseases. But the items and drugs that can be reimbursed are more limited, and many of the items for cancer treatment are not reimbursed.
2. Cancer insurance and cancer medical insurance
Cancer insurance and cancer medical insurance are mainly for cancer, and can reimburse many cancer drugs and treatment programs, which is a kind of supplement to medical insurance. And the requirement for health notification is relatively low.
3. Critical illness insurance
Critical illness insurance covers 28 major diseases, including cancer. As a kind of insurance specialized in major diseases, as long as the conditions of payment are met, the policyholder can get the insurance money to pay for the treatment of cancer.
4, medical insurance
Medical insurance generally does not limit the type of disease, all support cancer treatment programs and hospitalization costs a certain percentage of reimbursement. Of course, different medical insurance coverage are different.
Two, what is cancer insurance?
Cancer insurance is a kind of insurance that takes cancer as the standard of payout. It is equivalent to a critical illness insurance that only covers cancer. However, the coverage of cancer insurance is narrower than other medical insurance and does not conflict with critical illness insurance. When you have cancer, you can take the sum insured as a lump sum, and this money can be used to cover loss of income, rehabilitation costs, nutritional costs, and so on.
Three, what are the types of cancer insurance?
From the coverage period is divided into short-term and long-term cancer insurance:
1, short-term cancer insurance
Short-term cancer insurance only covers one year, the coverage period is short, and the expiration depends on the conditions of renewal. Relatively cost-effective, relatively cheap, health notification is relatively not so strict.
2. Long-term Cancer Insurance
Long-term cancer insurance is a one-time insurance policy with multi-year payments. Usually, it covers a period of several decades or a lifetime. It is usually a payout type, and the premiums may be higher.
From the protection point of view, it can be divided into consumption type and return type:
1. Payment type
Consumption type cancer insurance is somewhat similar to the weakened version of the heavy disease insurance, only pure protection, no dividends. After getting cancer, the insurance company will pay out the sum insured at once.
2. Reimbursement type
The reimbursement type cancer insurance is similar to the weakened version of million-dollar medical insurance. The insurance company will reimburse the medical expenses incurred due to cancer, and will reimburse as much as you spend. The amount of coverage is often relatively high.
Four, how to buy cost-effective?
Undoubtedly, the first thing to buy is the national social security, as a major benefit, is the cheapest and most basic protection for everyone. The next thing to consider is critical illness insurance. Critical illness insurance covers 28 kinds of major diseases, which also includes cancer. As a kind of insurance that specializes in major illnesses, the coverage is much stronger and wider. Of course, the next thing that should be considered is cancer insurance and cancer medical insurance. These two types of insurance are mainly for cancer, for many drugs and treatment programs for cancer treatment can be reimbursed, which is considered a kind of supplement to medical insurance. And the requirement for health notification is relatively low.
Fifth, in the end
Although cancer is very scary, it can easily make a person fall down, and even make a family broken. We can not only avoid the possibility of cancer by improving our health through healthy living habits and active exercise. And we can also transfer the risk by purchasing cancer insurance, which can give the insured and the family a support and hope when the risk comes.