Therefore, buying life insurance is essentially looking for cost-effective products in four types of insurance: critical illness insurance, accident insurance, medical insurance and life insurance, and then combining them. "
What does different insurance cover?
What exactly do these four types of insurance cover?
1, critical illness insurance
Critical illness insurance is critical illness insurance. Simply put, if you buy critical illness insurance and are diagnosed as a major disease within the scope of the policy, the insurance company will pay in one lump sum.
The so-called "major diseases", in the "Criteria for the Definition and Use of Critical Illness Insurance Diseases" issued by the China Insurance Regulatory Commission, stipulates 25 kinds, of which 6 kinds are compulsory diseases and the other 19 kinds are optional diseases.
? Six diseases that must be guaranteed: malignant tumor (except some early malignant tumors), acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, and end-stage renal disease.
? 19 optional diseases: multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver function decompensation, sequela of encephalitis sequela or meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, acute or subacute severe hepatitis, severe Alzheimer's disease, severe craniocerebral injury, severe Parkinson's disease, severe third-degree burn, severe primary pulmonary hypertension, severe motor neuron disease, and so on.
? If the insurance company wants to add diseases other than these 25 diseases, it can decide for itself, so the current critical illness insurance has covered far more than 25 diseases, and even hundreds have appeared.
? However, how many diseases are covered by critical illness insurance is not the focus we need to pay attention to, because the highest incidence of critical illness insurance is only concentrated on the six diseases that must be covered-the data shows that the three diseases with the highest claim rate: malignant tumor, cardiovascular disease and stroke sequelae, among which the claim ratio is as high as 90%.
? Therefore, if the general critical illness insurance covers 25 diseases, it is basically enough; If there are more diseases, but the premium has not increased significantly, it is of course a better choice.
? Let me talk about the payment principle of critical illness insurance first: critical illness insurance will pay the insured amount after diagnosis. This is very realistic: once you encounter a major disease, you will face huge expenses immediately. Therefore, when buying critical illness insurance, we should be optimistic about the amount of compensation.
? The reason is that critical illness insurance is not only used to compensate medical expenses, but also has the function of compensating family economic losses after illness. In real life, it is difficult for many seriously ill patients to continue working, and the financial source has become a big problem, and the insurance money paid by the critical illness insurance can solve this problem. For example, the critical illness insurance coverage is 800 thousand, and the actual treatment cost is 500 thousand. The remaining 300 thousand can be used for living expenses and health care.
? In addition, critical illness insurance can be purchased repeatedly. You bought a critical illness insurance with a coverage of 500,000 in Company A, but it doesn't affect you to buy another one with a coverage of 500,000 or even 6,543.8+0,000 in Company B. Once the diagnosis is made, both companies will pay for it, with a coverage of 500,000, B 1 10,000, totaling * *10.5 million.
? The insurance company will not interfere with how you use this 654.38+0.5 million. You can use it to see a doctor, subsidize your family, and even travel, buy a house and buy a car.
? However, critical illness insurance usually requires high health status and cannot be informed by health, or it is too old to buy.
2. Medical insurance
Medical insurance, as its name implies, can reimburse all kinds of medical expenses, including outpatient, emergency, hospitalization, surgery and other expenses.
There are usually three kinds: low income and low deductible; High insured amount and high deductible; High-end medical insurance.
? Medical insurance with minimum living allowance and low deductible: without deductible, it can be reimbursed as long as it is hospitalized. However, the insured amount is low, generally between1-50,000 yuan. It can be used as a supplement to medical insurance to solve some small hospitalization expenses.
? Medical insurance with high coverage and deductible: there is a deductible of 1 10,000 yuan, but the coverage is high, usually several million. Commonly known as "million medical insurance", it is also the best seller on the market at present.
? High-end medical insurance: it can be directly paid to the special needs department of public hospitals, the international department of public hospitals, private hospitals, expensive private hospitals and non-mainland regional hospitals, with high coverage, usually used to protect huge medical expenses and enjoy top-class services.
? The so-called "deductible" is lower than the agreed figure, and the insurance company does not have to pay. Moreover, this deductible cannot be deducted from the social security pooling account, so the actual medical expenses can only be used when it is more than 20,000-30,000.
? For example, Ms. Zhang spent more than 23,000 yuan on hospitalization and16,000 yuan on social security reimbursement. If she bought a medical insurance with a deductible of 1 10,000 yuan, the insurance company would not pay it, because Ms. Zhang actually paid less than 1 10,000 yuan.
? The above classification is from the perspective of insurance coverage. Let's talk about reimbursement Medical insurance can be subdivided into reimbursement type and subsidy type. Reimbursement, as much as you spend, even if the insured amount is 6.5438+0 million, the actual hospitalization expenses are only over 20 thousand, and you can't get any compensation. This example is very clear.
? If it is a subsidy, how much to report, because it is paid according to the number of days in hospital. For example, if the hospitalization allowance is 180 yuan/day and the actual hospitalization is 10 day, then you can get compensation from 1800 yuan.
? Unlike critical illness insurance, medical insurance is not recommended to be purchased repeatedly, because the same expense cannot be reimbursed repeatedly by multiple insurance companies. Only when the expenses reimbursed exceed the insured amount can you find a claim first, and then find another one before the reimbursement is completed. For example, the following case:
? Miss Zhao has medical insurance, and she has also insured an expense reimbursement medical insurance in two insurance companies. From 2065438 to September 2006, she spent 17000 yuan on hospitalization due to illness. After reimbursing more than 7000 yuan in the medical insurance center, she claimed compensation from two insurance companies, one of which reimbursed more than 3000 yuan, and the other reimbursed only a few tens of yuan on the grounds of "only paying for the part within the scope of medical insurance and beyond the scope of insurance company claims".
? So I also answered here, "Do I need to buy medical insurance if I have critical illness insurance?" "With social security, do you still need to buy medical insurance?" problem The answers are all yes.
? First of all, the coverage of critical illness insurance is different from medical insurance.
? Critical illness insurance transfers the risk of serious illness, and medical insurance transfers the risk of seeing a doctor, that is, both serious illness and minor illness are managed. This is a bit like social security, but the scope of social security reimbursement is narrow and strict. Only drugs in the social security catalogue can be reimbursed, and imported drugs and devices outside the catalogue cannot be reimbursed. In other words, the three seem to overlap, in fact, each has its own emphasis, and no one can completely replace the other.
? Secondly, when making claims, critical illness insurance does not conflict with medical insurance and social security.
? The insurance company will directly pay the agreed amount of critical illness insurance, and will not deduct the paid medical insurance amount and the expenses reimbursed by the national pooling fund. As for medical insurance, it is obviously a supplement to medical insurance.
? Therefore, even if you have millions of medical insurance, you need to buy critical illness insurance; With social security, you need to supplement a medical insurance. Dabai suggests buying one with high deductible and high insurance coverage-with social security, micro-medical insurance is not so necessary, and even if we are hospitalized, we can afford medical expenses ourselves.
3. Accident insurance
? Accident insurance is insurance against all kinds of accidents. There are generally two types: accidental injury insurance and accidental medical insurance. The former mainly protects accidental death and accidental disability; The latter can reimburse outpatient, emergency and hospitalization expenses caused by accidents.
Among them, in case of accidental death, that is, accidental death, the insurance premium paid by the insurance company is generally equal to the insured amount.
Accidental disability is a little more complicated, and the amount of compensation is determined by the insurance company according to the severity of disability. According to the national regulations, the disability is divided into 10 grade, 10 grade is the lightest, 10 grade, and 10% insured amount is paid; 1 level is the most serious disability, and 1 level occurs, and 100% of the insured amount is paid.
Accidental disability, we should pay attention to avoid only "total disability" products, that is to say, even if the hand is broken, the insurance company will not compensate, which is a bit pitted.
The accident insurance premium is cheap, the protection is high, and the health notification is loose. You can also buy it at the age of 70 or 80, covering a wide range of people.
However, accident insurance is not for everyone, and there are requirements for the insured's occupation.
Occupation types are usually divided into six categories. The higher the occupation level, the greater the risk. Usually 1-4 occupation is easy to buy accident insurance, while 5-6 occupation is difficult to buy accident insurance, with high insurance premium and low insurance coverage. It is basically difficult for athletes, police and coal miners to buy accident insurance.
Therefore, when buying accident insurance, you must confirm whether your occupation is within the insurable range. If it does not meet the requirements, even if it is bought, the insurance company is likely to refuse to pay compensation.
Finally, say three points:
Never take "accidents" in insurance for granted. Insurance companies can only compensate if they meet the four standards of "sudden, foreign, unintentional and non-disease". For example, bicycle falls are accidents, but sudden death and food poisoning are not accidents;
Accident insurance, it is cheaper to buy online than offline, and it is still necessary to buy offline for health. People with coronary heart disease and diabetes may not be able to buy it
Accident insurance is usually short-term insurance, such as 1 year. Once the policy expires, remember to replenish it in time.
4. Life insurance
Life insurance, the simplest insurance, pays for death.
Generally divided into term life insurance and whole life insurance.
Term life insurance generally covers 10 years, 20 years, 30 years, or 60 years, 70 years, 75 years. If he dies within the warranty period, the insurance company will pay the insured amount; If you are still alive, you will not be paid.
? Whole life insurance, that is, guarantee to death. Because people are bound to die, whole life insurance will pay, and the premium will be higher than that of term life insurance, which has the function of inheriting wealth.
? Who needs to buy life insurance? Who hasn't?
People who undertake family responsibilities are all only children who have the responsibility to support their parents. Even if he dies, his family economy or his parents' life will not be greatly affected; Old people and children who do not bear family responsibilities are not recommended to buy.
Then, with life insurance, why buy accident insurance?
1, different protection responsibilities: accident insurance only covers accidents, not non-accidents. If you die of illness, you won't get any compensation. Life insurance has both accidental death and illness death, and can pay compensation for illness death.
In addition, accident insurance can protect disability, while life insurance does not.
2. Flexible leverage: accident insurance can be insured with a lower premium leverage, covering a wide range of people, and can also be purchased at the age of 70 or 80; And life insurance, the older, the higher the premium. Because people are doomed to die.