In addition, in February this year, the Chinese Actuaries Association published the National Health Education Reader for the Prevention of Major Diseases. Readers focus on what is a major disease, how to distribute it, how to prevent it, and how to allocate critical illness insurance for education.
It is mentioned that many people think that they are healthy and the probability of getting seriously ill is definitely low. In fact, as modern people live longer and longer, the probability of serious illness is close to 100%. In addition, many people have certain misunderstandings. Is serious illness only found in old age, but not in young age? In fact, this concept is incorrect. No matter what age, we should pay attention to cancer prevention.
Image from: National Health Education Reader for the Prevention of Major Diseases
According to the data of the National Poverty Alleviation Office, at the end of 20 17, 44.38+0% of the poor households in China were poor due to illness. This means that many of these poor households are poor due to illness. Suffering from a serious illness, ranging from hundreds of thousands to hundreds of thousands, has been the life savings of many people. At this time, critical illness insurance can play a very good role in protecting the family.
I believe that through the daily news, you can see that in the process of treating serious diseases, the treatment cost is as high as 300,000-500,000 yuan. If you have cancer, you have to use advanced treatment techniques, such as targeted therapy and proton heavy ions. And the cost will even exceed one million.
The picture shows the treatment and rehabilitation costs of common serious diseases.
But other expenses-such as lost time, lost time, etc. On the road to recovery in the future, I can't work these years.
There is also a hot topic in Zhihu, asking, "What kind of experience is it to have cancer?" Looking at it is particularly distressing. Some talents are just in their early twenties. They should have enjoyed their life in the good years, but they go to the hospital day after day and year after year. Their families are not rich, and some even borrow money to see a doctor, but the cost of cancer treatment is far more than that.
Just like the recent hot search, the whole 700,000 yuan injection of Nosina sodium stumped many families. In addition to these, there is Gleevec in "Dying for Survival", which is about 560,000 a year.
With the expansion of medical insurance, many self-funded drugs and imported drugs are gradually included, but a considerable number of drugs are still not included. Even if you do get medical insurance, you can only reimburse part of it.
For cancer patients, enough money can help them win the battle against cancer. Commercial insurance can play a good supplementary role, especially critical illness insurance. Once diagnosed, according to the contract, you can get an insurance premium. How to use this money depends on the patients themselves. One thing is certain, this money can greatly ease their economic pressure.
Next, let's talk about what the critical illness insurance covers and its importance.
1. What does critical illness insurance cover?
Critical illness insurance, as its name implies, is to protect against major diseases. Appendicitis and hemorrhoids surgery are not major diseases, so not all diseases can be called major diseases.
In order to prevent people from having different understandings of serious diseases, China Insurance Association has formulated the following 28 kinds of serious diseases:
Don't underestimate these 28 serious diseases, which can account for 90% of the actual claims. In other words, these diseases are the core of serious diseases.
In addition, insurance industry associations and doctors' associations also selected six specific serious diseases from the above 28 kinds of serious diseases, requiring all serious illness insurance products on the market to include these six specific serious diseases, including: end-stage renal disease, malignant tumor, major organ transplantation, acute myocardial infarction, coronary artery bypass grafting and stroke sequelae.
In addition, in order to provide better protection for customers, insurance companies have increased the protection of mild and moderate diseases in critical illness insurance.
Mild symptoms can be understood as the initial state of major diseases. Although the harm is very small, if it is not treated in time, it will easily turn into a serious disease. At present, there are only three kinds of mild diseases in China Banking and Insurance Regulatory Commission, namely mild acute myocardial infarction and mild stroke sequelae.
After data analysis combined with the annual claims report of insurance companies, we found that the following situations can be called high incidence and mild symptoms:
Control chart of high incidence and mild illness
These are 10 mild diseases with relatively high incidence, which can cover most risks. Mild illness protection can enable everyone to find problems early and receive treatment early, and will not delay the illness because of the cost of treatment.
However, there are two types of chronic diseases. Generally, some diseases are selected from mild diseases, and in a sense, they are also mild diseases. One is to choose diseases between mild and severe diseases as Chinese medicine.
In some critical illness insurance, minor strokes and burns in the above-mentioned high-risk mild cases are classified as Chinese diseases, and paying compensation according to Chinese diseases can be understood as turning high-risk mild cases into high-risk Chinese diseases.
Second, what is the use of critical illness insurance?
Critical illness insurance has the following two main functions:
1, time+money to provide protection
Being able to get the most effective treatment in the first time is the key to treating serious diseases; Critical illness insurance can provide sufficient economic support in the first place.
For example, if someone is diagnosed with a serious illness, she will spend 300 thousand. Before, she had successfully insured the critical illness insurance with the insurance coverage of 6,543.8+0,000, so the remaining 700,000 can be used for rehabilitation treatment, and the original living standard of the family will not be affected, and there is no need to sell iron.
And the above, only critical illness insurance can do, even medical insurance or other medical insurance can not do. Medical insurance or medical insurance can only be reimbursed to solve the problem of food and clothing and the risks brought by treatment; Critical illness insurance can help patients get through the rehabilitation period, especially the critical five-year survival period.
2. Ensure the normal operation of the family.
In the process of treatment, if you borrow money everywhere because of the high cost of treatment, the whole family will not only be unable to operate, but also face high foreign debts. The future life is even more unimaginable. With critical illness insurance, we can not only leave a sum of money for our family, but also ensure the future expenses of our family, and also crush the life of the whole family without foreign debts.
Third, how to pay for critical illness insurance?
In fact, the most important thing to buy critical illness insurance is to read the terms clearly. If you use the terms, it will take minutes to get the claim. Be sure to read it clearly, as stipulated in the contract for serious illness.
There are three ways to claim for critical illness insurance:
1. If the operation agreed in the contract is carried out, it is also remunerated. For example, if you have coronary heart disease, you won't pay, but if you have internationally recognized coronary artery bypass surgery, then this will pay.
2. Once diagnosed, lose money immediately. For example, once the malignant tumor in the contract is diagnosed, it can be paid.
3. reach a certain state. For example, according to the contract, you can pay for a stroke and be in a coma for 300 days.
Fourth, how to choose critical illness insurance?
For the average person, you can choose critical illness insurance from the following aspects:
1, mild/moderate symptoms are optional. Not only can you lower the threshold of compensation, but you can also waive the premium and treat it in advance.
2. Give priority to lifelong protection. The older you get, the greater the probability of suffering from serious illness, so it is best to choose serious illness insurance that can provide lifelong protection; In addition, if you buy short-term critical illness insurance, you may not be able to renew it when you are old.
3, choose cancer to pay multiple times. Some cancers have a high recurrence rate, so the second payment is more practical. However, it should be noted that it is best to choose a time interval of 3 years, because if you choose 5 years later, the recurrence probability is usually very low.
4. Choose 28 kinds of serious diseases that cover the core, and there is no need to choose a large number of serious diseases. Because even if there are 150 kinds of serious diseases, the probability of these diseases is very low, and the more protection, the more expensive the premium.
5. The minimum subsistence allowance is 300,000, and 500,000 can barely keep the family running, while 6,543,800+0,000 is more abundant.
In addition, some people may ask, since the critical illness insurance is so good, can I buy more copies? Isn't that even worse? Indeed, if it meets the contract, you can pay as many copies as you buy.
Fifth, write it at the end.
The ultimate goal of buying insurance is to deal with possible risks in the future. And critical illness insurance can help you better cope with the future and not be at a loss when risks come.