In most insurance products, such as medical insurance, some products will have a proton ion coverage.
Plasma Ion is simply a form of radiotherapy, which is used to treat malignant tumors and diseases, and can be used to treat some common cancers.
What exactly does proton heavy ion mean? Does this radiation therapy technology work? What kind of insurance covers this? The next school sister will analyze the specifics.
One, what does proton heavy ion mean?
Proton heavy ion in the international recognition of the cutting-edge technology of radiotherapy, protons and heavy ions belong to the same particle line, they are different from the traditional photon line, the particle line is able to form the energy Bragg peak, not only to the tumor to focus on the blasting, but also to reduce the damage to the healthy tissue.
Two, what is the use of proton heavy ion?
Compared with other radiotherapy technologies, the biggest highlight of proton heavy ion is that when the radiation "strikes" solid tumors, it can provide powerful irradiation of tumor foci while avoiding the irradiation of normal tissues to maximize the therapeutic effect.
The therapeutic effect of proton heavy ion is good, but the price of the treatment is very expensive, and the expenses of the domestic treatment are hundreds of thousands of dollars, which is not affordable to ordinary families.
Then it's the turn of the insurance, in life often see the insurance, a lot of medical insurance are set up in the proton reion service, for the consumer, the cost of the problem can be a good solution and get thoughtful protection.
Here the school sister also summarized the domestic popular hundreds of medical insurance, click on the link below, you can get a free comparison table:
"Ultra full!
Third, how to buy insurance?
Different types of insurance products, when shopping, the judgment criteria are different.
For example, in medical insurance, we should not only analyze the content of the coverage, but also pay special attention to the value-added services of the product, the conditions of renewal, and so on.
Taking the renewal conditions as an example, very many medical insurance policies only cover one year, and if the insured's health deteriorates after the expiration of the coverage, the policy may fail to be renewed, and if the product is discontinued, the policy may also fail to be renewed.
However, as far as critical illness insurance is concerned, we should focus on the content of the coverage, the payout ratio, the threshold for claims, etc. For example, the critical illness coverage, the CBIRC requirements of the 28 mandatory critical illnesses, these diseases must be covered, and the amount of the critical illness payout reaches 100 percent of the basic sum insured, and it is best to come with additional compensation for such a coverage.
Something like: not yet beyond the age of 60 diagnosed with a serious illness can get 180% of the basic sum assured, in addition to being able to pay the medical expenses, but also make up for the loss of income during the period of treatment of the disease and so on.
Specific critical illness insurance products how to buy? How to buy without spending money? The school sister summarized the national popular critical illness insurance, picked out 10 worth buying products, click the link to read the article for free:
"Top 10 worth buying the popular critical illness insurance roundup!
Four, the purchase of insurance matters
After the above content has been understood, perhaps you already know through what methods to judge an insurance product is good or bad, but in the actual insurance, there is still a point need to pay attention to, the fact that different The problem is the type of insurance that is applicable to different groups of people.
Like critical illness insurance, under normal circumstances it is more suitable for the age group of 0 to 50 years old to insure, if the insured person in the age of 50 years old, and then buy critical illness insurance is not very affordable, and it is more likely to occur premiums upside down situation.
So this is the time to use cancer insurance, instead of critical illness insurance, which is more cost-effective.
Fifth, where to buy insurance?
You are free to choose online or offline channels to place your insurance order.
1, offline channels
The offline channels for taking out insurance are particularly numerous, and in general there are brick-and-mortar stores, e.g., branches of insurance companies, offline service outlets, insurance agents, and bancassurance.
2, online channels
Buying insurance online channels are very diverse, appearing more frequently on the official website of the insurance company, APP, telephone insurance, insurance mall, or other third-party channels - Alipay Ant Insurance, WeChat Microinsurance and so on.
In general, insurance companies' insurance malls sell products under their own umbrella, with a relatively single type, but the third-party insurance platforms will cooperate with many insurance companies, with more diversified products.
If you are worried that buying from online channels is not reliable, you can read my previous article, which analyzes in detail the advantages and shortcomings of buying insurance online:
"Is it reliable to buy insurance online? What is the difference between online and offline insurance?
Written in the end
I'm Scholar Says Insurance, focusing on objective, professional and neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number of Scholar Says Insurance to consult with me;
I will use my years of experience in configuring insurance for 10W + family configuration insurance experience, give you the most professional advice.
Public number: the school bully said insurance spend less money, buy the right insurance!