With the slow spread of the awareness of insurance protection, more and more groups of people are choosing to take out insurance to protect themselves against possible risks in the future, and to add an extra layer of protection for themselves! And there are countless insurance products, there are critical illness insurance, accident insurance, medical insurance, life insurance, annuity insurance, etc., simply can not be counted, that is not to mention the mind can clearly know the meaning and role of these insurance and the appropriate crowd is what?
Then take advantage of this opportunity today, the school sister will be common accident insurance and critical illness insurance to give you a detailed science to help you understand!
Friends who are in a hurry can just bookmark it, and here will be the questions you want to know!
"What's the difference between critical illness, medical, accident and life insurance? Do they conflict when it comes to claims?
Accident insurance
Accident insurance, mainly focusing on the occurrence of accidental disability and death payouts, the usual are traffic accidents, swimming and drowning, burns and scalds, electrocution, and so on. It must meet four basic conditions: accidental, sudden, external and unintentional objective events. These four conditions must be complete.
Let's analyze what is included in accident insurance coverage:
Accidental death: refers to the fact that if death occurs due to an unforeseen event, the insurance company will claim the full amount of the sum insured directly.
Accidental disability: refers to if the unintentional and belongs to the external accidental circumstances leading to physical disability, the insurance company's payout ratio is set according to the disability level, according to the level of the proportion of the payout, the disability level of the total **** divided into ten levels, divided into 1-10 levels. The insurance company according to different levels of disability for different proportions of the payout, the first level is the most serious are paid for 100% of the sum insured, the sum insured will be increased in turn.
Accidental medical care: death and disability due to accidents are not so common after all, and accidental medical care occurs more often than not, it is because of accidents resulting in injuries that require treatment of medical expenses, the insurance company's reimbursement is in accordance with the terms of. The amount of insurance coverage for accidental medical treatment is generally in the range of 1-5 million.
That is to say, our common traffic accidents, swimming and drowning, electrocution, burns and scalds, etc. are covered by accident insurance. But need to pay special attention to what pregnancy, individual food poisoning, surgical accidents, high-risk sports and sudden death, very much accident insurance is not compensated to consumers, if you plan to buy an accident insurance, you need to be aware of is the scope of its coverage, and some of the special conditions.
Additionally, there are different types of accident insurance such as comprehensive accident insurance, transportation accident insurance, travel accident insurance and accident medical insurance.
①Comprehensive Accident Insurance
Comprehensive Accident Insurance is very comprehensive and sufficient, usually covering transportation and general accidents, which is more suitable for daily insurance than other insurance.
②Traffic Accident Insurance
When you see the name, you will think of it, Traffic Accident Insurance is an insurance policy that covers the insured person's body as the object of the insurance, and the insured person as a passenger suffers from accidental injuries due to the accidental injuries suffered during the ride on the passenger mass transportation means of transport and meets the conditions of the payment of insurance premiums, such as death, disability, and medical expenses.
To put it another way, for those who often have to travel, business partners, then buy traffic accident insurance is a very necessary thing, traffic accident insurance is not only on the driving protection, but also on the ride protection, no matter whether you're a person in a car or driving a car, once due to driving or riding in the process of public **** car, private car in the process of an accident and thus caused by the death of the body disability The insurance company will be able to pay out the benefits.
Travel Accident Insurance
Travel Accident Insurance is the abbreviated name of "Travel Accident Insurance", which means that the insured person meets the agreed time of the insurance policy, and in the course of business trip or tourism, due to some accidents resulting in death or disability, or in the scope of the coverage with the provisions of the other Coverage items, against the insurance liability insurer needs to assume responsibility. Usually means, travel insurance is a short-term accident insurance products, an airline or a trip is often used.
4 Accidental medical insurance
Accidental medical insurance is usually set in the accident insurance products, it is the treatment of consumption can be reimbursed after the product, the insured person due to the accidental injuries, and thus hospital expenses, as long as to meet the reasonable and necessary, will be able to pay.
Sister suggests that all people can configure the accident insurance, it is a regular insurance, you can use it to transfer the risk of accidents, it is recommended that all people to buy a copy.
Two, critical illness insurance
This is to say that the accident insurance, you may not know much about the critical illness insurance, then the following sister to seriously tell you!
The full name of critical illness insurance is "critical illness insurance", so what is critical illness?
According to the National Prevention of Major Diseases Health Education Reader (hereinafter referred to as the "Education Reader"), it is usually a disease that brings about the patient's "condition is particularly serious" and "treatment costs are huge," so the impact is unbearable, can be called a major disease. The disease can be called a major disease.
And for the risk of serious illness, critical illness insurance can deal with, if the insured person in the agreed coverage period diagnosed with the contractual agreement of the serious illness and meet the criteria for claims, you can once the amount of insurance benefits to receive, there is no restriction on the use of claims.
As an example, the old king in the current buy critical illness insurance, a few years later was unfortunately diagnosed with critical illness insurance and also meet the requirements of the claim, can once get about the critical illness of the payout money! With this fund, the treatment costs, convalescence costs, rehabilitation costs required to see a doctor after that will have, and even because of hospitalization and no salary income of the economic situation has been resolved to a certain extent!
At this point one might ask, do we really have to have to buy critical illness insurance? The probability of a person suffering from a critical illness in their lifetime is not very high, right?
According to the "Educational Readings" inside the show, the incidence of serious illnesses is also very high, the key from the human life to look at, in our middle of a large part of the people, after that will get serious illnesses, life expectancy gradually become longer, the diagnosis of serious illnesses of the percentage of the more tend to close to 100 percent. On the other hand, in recent years, there is a trend of rejuvenation of serious illnesses, for example, in the past five years, 19 -36 years of age with stomach cancer accounted for at least 6% -11% of the total number of gastric cancer, by the data show that it is twice as high as 30 years ago!
In addition, the probability of men and women suffering from at least one serious illness at the age of 60 is only 2, 16% for men and 14% for women, and when they are 80 years old, the proportion rises to 58% and 45% respectively! The chances of developing a serious illness are still quite high!
So, it is true that there will be a risk of serious illness, this risk, since there has been, there are insurance products on the market that can transfer this risk, set up a critical illness insurance to prevent, transfer this risk, not only to buy a protection for themselves, can all be more assured, since this how can not buy critical illness insurance?
For critical illness insurance, everyone is suitable to buy?
Certainly not everyone is suitable for a critical illness insurance product! Usually, there are two groups of people, children aged 0-17 years old and middle-aged people aged 18-50 years old (the breadwinner of the family), for whom it is highly recommended to have a critical illness insurance product!
We first understand why we need to buy critical illness insurance for children:
The first reason is from the International Society of Pediatric Oncology's statistical results, China's children's tumors in the last decade the incidence of the growth rate of about 2.8%, accidental injuries are the first cause of death of children, and children's tumors are only second to it, that is, the children suffer from serious illnesses! The probability of children suffering from serious illnesses is still very high.
Secondly, if a serious illness happens to a child, the parents would like to have the opportunity to concentrate on taking care of the child, which would require the parents to put down their work for a while, resulting in a certain amount of economic loss and financial pressure is certain.
However, if a child is equipped with a critical illness insurance policy, one of the things that can be done is to cope with the medical expenses, treatment costs, rehabilitation costs, etc., and to avoid interrupting the work of the economic impact, to a certain extent, to reduce the pressure on the family's life, so it is recommended that the child to buy a critical illness insurance policy as well.
But there are too many kids' critical illness insurance policies on the market to count, so which one meets your needs? If you're ready to buy a critical illness insurance policy, you'll want to poke your nose into this one:
Top Ten Super Cost Effective Critical Illness Insurance for Kids, Don't Miss Out on This Treasure Trove of Tips!
Then again, let's look at the reasons why adults (family pillars) need to configure critical illness insurance:
One of the family pillars is the main source of family finances, carrying the family's daily living expenses, education of the children and the support of elders, and sometimes there will be a car loan, mortgage, etc., the shoulders need to shoulder a heavy burden. The burden on the shoulders is still very heavy.
Additionally, from the China Actuaries Association statistics, China's number one "killer" of women's health, breast cancer, basically 17% per year of the proportion of the increase in the age of 35 even if the incidence of breast cancer is a small peak. Moreover, the 2020 annual claim reports of various insurance companies show that there is a trend of rejuvenation of major diseases such as cancer. For example, PICC life insurance has statistics 2020 claims report, 41-60 years old people, there are 64.17% of the incidence of serious diseases!
So it seems, about the risk of the occurrence of critical illness, the pillar of the family must pay attention to, must buy a critical illness insurance products.
What kind of critical illness insurance is available on the market, so adults should buy a what kind of critical illness insurance? Don't panic, the thoughtful school sister has prepared for you a few affordable, the protection is also comprehensive products, partners can directly poke the link Oh,
"Top ten popular critical illness insurance worth buying a big roundup!
Writing in the end
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