Hao AIA medical equipment

High-end medical insurance is a kind of commercial medical insurance designed for high-end people, with high coverage, breaking through the national medical insurance restrictions, direct payment for medical treatment and wide coverage. High-end medical insurance is consumer-oriented, with one-year premium and one-year guarantee. Different insurance companies have different product coverage and different premiums. Its core embodies consumers' pursuit of high-quality medical services.

The essence of high-end medical insurance is millions of medical insurance, but you can enjoy higher-end medical services. In other words, it cannot replace critical illness insurance. Critical illness insurance solves the problem of having a sum of money to treat after a serious illness, and secondly solves the problem of family living expenses. After a person is sick, he needs to rest for several years, but he still needs to continue to spend money to pay back the car loan, raise children and provide for the elderly.

Let's take a look at two functions of critical illness insurance:

1, providing medical expenses protection. The cost of serious illness treatment is 300,000-500,000, which is not a small savings for most ordinary families. If the insured is unfortunately suffering from a serious illness and meets the compensation standard of critical illness insurance, he can get security money from the insurance company.

2. Provide financial support for the family after illness. After suffering from a serious illness, they will be unable to work normally for a long time and lose their financial resources. Without a source of income, families will fall into financial difficulties, and critical illness insurance can claim compensation instead of work income.

It can be seen that the role of critical illness insurance is still great, but why do people think it is difficult to pay for critical illness insurance? According to the current statistics, 60% of claims are difficult because of health notification, some because of the problem of incomplete information when making claims, and some because the content of product guarantee is not clear. So as long as the above points are done well, the problem of difficult claims does not exist!

Speaking of this, the senior wrote an article and made an all-round analysis of the critical illness insurance. If you want to configure or have configured critical illness insurance, you can read this article first: Top Ten Most Worthless Critical Illness Insurance Inventory! It will definitely help.