Then, today, I would like to take this opportunity to give you a detailed knowledge of common accident insurance and critical illness insurance to help you understand!
Anxious friends can collect them directly, and there will be questions you want to know!
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
First, accident insurance.
Accident insurance mainly aims at compensation for disability and death in accidents, such as traffic accidents, swimming drowning, burns and electric shock. Four basic conditions must be met: unexpected, sudden, foreign and unintentional objective events. These four conditions must be complete.
Let's analyze what the coverage of accident insurance includes:
Accidental death: refers to the death caused by an accident, and the insurance company directly pays the insured amount in full.
Accidental disability: refers to physical disability caused by unintentional external accidents. The insurance company's compensation ratio is set according to the disability grade, which is divided into ten grades, namely 1- 10. Insurance companies pay different compensation rates according to different levels of disability. The first level is the most serious, the insured amount 100%, and the insured amount will increase in turn.
Accidental medical treatment: After all, death and disability caused by accidents are not so common, and the number of accidental medical treatment is relatively large, which is the medical expenses that need treatment because of accidents. The insurance company's payment is carried out in accordance with the terms. The insured amount of accidental medical treatment is generally1-50,000.
In other words, our common traffic accidents, swimming and drowning, electric shock and burns can all be paid by accident insurance. However, it should be noted that many accident insurance will not compensate consumers for pregnancy, individual food poisoning, surgical accidents, high-risk sports and sudden death. If you plan to buy accident insurance, you should pay attention to its coverage and some special circumstances.
In addition, there are different types of accident insurance, including comprehensive accident insurance, traffic accident insurance, travel accident insurance and accidental medical insurance.
① Comprehensive accident insurance
The protection of comprehensive accident insurance is very comprehensive and sufficient, which usually covers the protection of traffic and general accidents. Compared with other insurances, it is more suitable for daily insurance.
② Traffic accident insurance
When you see the name, you will think that traffic accident insurance is based on the insured's body, and the insured suffers accidental injury, death, disability, medical expenses, etc. as a passenger. These are the conditions for paying the insurance premium during the mass transportation of passengers.
In other words, for those friends who travel frequently, it is very necessary to buy traffic accident insurance. Traffic accident insurance not only guarantees driving, but also guarantees riding. Whether you are a special driver or a substitute driver, you can pay for the death and physical disability caused by the accident while driving or taking a bus or private car.
③ Travel accident insurance
Travel accident insurance, referred to as "travel accident insurance" for short, refers to the insurance that the insured meets the agreed insurance time, and the insurer needs to bear the insurance liability for death or disability due to some accidents or other protection items with coverage during business trip or travel. Generally speaking, travel insurance is a short-term accident insurance product, which is often used in an aviation or travel.
④ Accident medical insurance
Accident medical insurance is usually set in accident insurance products and can be reimbursed after treatment and consumption. As the insured suffers accidental injury, the expenses incurred in hospitalization can be paid as long as they are reasonable and necessary.
Senior sister suggested that you can configure accident insurance, which is a routine insurance and can be used to transfer accident risks. I suggest everyone buy one.
Second, critical illness insurance
This is about accident insurance. You may not know much about critical illness insurance, so talk about it seriously!
The full name of critical illness insurance is "critical illness insurance", so what is a major disease?
According to the provisions of the National Health Education Reader for the Prevention of Major Diseases (hereinafter referred to as the Education Reader), diseases that usually mean the unbearable influence of patients such as "extremely serious illness" and "huge treatment cost" can be called major diseases.
As for the risk of critical illness, critical illness insurance can deal with it. If the insured is diagnosed with a serious illness agreed in the contract within the agreed guarantee period and meets the standard of claim settlement, he can receive the insurance money in one lump sum, and there is no restriction on the use of claim settlement.
For example, the critical illness insurance that Lao Wang bought now was unfortunately diagnosed as critical illness insurance a few years later, and it also met the claim conditions, so he could get the critical illness insurance payment at one time! With this fund, the treatment expenses, convalescence expenses and rehabilitation expenses required for seeing a doctor will be available, and even the economic situation without wage income due to hospitalization will be solved to a certain extent!
At this time, some people may ask, do we really have to buy critical illness insurance? The probability of people suffering from serious illness in this life is not great, is it?
According to Education Reader, the incidence of serious diseases is also very high in nature. The key is to look at it from the perspective of people's lives. A large part of us will get serious diseases in the future, and our life expectancy will gradually increase, and the proportion of diagnosed serious diseases will approach 100%. On the other hand, in recent years, serious diseases have a trend of rejuvenation. For example, in the past five years, people aged 19 -36 accounted for at least 6% of the total gastric cancer-11%,which was twice as much as 30 years ago.
In addition, at the age of 60, the probability of men and women suffering from at least one serious disease is only 2, with 16% for men and 14% for women. When they are 80 years old, the proportion will rise to 58% and 45% respectively! The probability of suffering from serious illness is still quite high!
So the risk of serious illness does happen. Since this risk already exists, there are also insurance products on the market that can transfer this risk. Setting up a critical illness insurance to prevent and transfer this kind of risk not only buys a guarantee for yourself, but also makes everyone feel more at ease. In this case, how can you not buy critical illness insurance?
Is it suitable for everyone to buy enough critical illness insurance?
Certainly not everyone is suitable for insuring critical illness insurance products! Generally speaking, children aged 0- 17 and young people aged 18-50 are strongly recommended to be equipped with critical illness insurance products!
Let's first understand why we should buy critical illness insurance for our children:
The first reason is the statistical results from the International Society of Childhood Oncology. The growth rate of children's cancer incidence in China in recent ten years is about 2.8%. Accidental injury is the first cause of child death, and childhood cancer is second only to it, that is, the probability of children suffering from serious diseases is still high.
Secondly, if the child is seriously ill, parents want to have the opportunity to take care of the child wholeheartedly. At this time, parents need to temporarily put down their jobs, which will definitely cause certain economic losses and pressure.
However, if children are provided with critical illness insurance, first, they can cope with medical expenses, treatment fees, rehabilitation fees and so on. It is necessary for the disease, and it also avoids the economic impact caused by the interruption of work, and reduces the pressure of family life to a certain extent. Therefore, children are advised to buy critical illness insurance.
However, there are too many children's critical illness insurance in the market to be counted. Which one meets your own needs? Parents who are ready to buy critical illness insurance quickly poke this article:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Then, let's take a look at the reasons why adults (family leaders) need to configure critical illness insurance:
First, the family pillar is the main source of family economy, which bears the daily expenses of the family, the expenses of educating children and supporting their elders, and sometimes car loans and mortgages. And the burden on your shoulders is still heavy.
In addition, according to the statistics of China Actuaries Association, the number one "killer" of women's health in China is basically increasing at the rate of 17% per year, and the age of 35 is even a small peak of breast cancer. Moreover, the 2020 annual claims reports of various insurance companies reflect the trend of rejuvenation of major diseases such as cancer. For example, PICC Life has counted the claims report in 2020. For people aged 4 1-60, the serious illness rate is 64. 17%!
From this perspective, the family pillar must pay attention to the risk of serious illness and must buy a critical illness insurance product.
There are all kinds of critical illness insurance in the market, so what kind of critical illness insurance should adults buy? Don't panic, dear sister Shi has prepared several affordable and comprehensive products for everyone, and friends can poke links directly.
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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