According to the data of 20021year, the total number of claims paid by Taikang Life Insurance exceeded 1.02 million, up by 28% year-on-year. The total compensation exceeded 7.6 billion yuan, a year-on-year increase of 25%. In the whole year, Taikang Life Insurance paid more than 20 million yuan per day, and the average number of claims per day exceeded 2,700, and the average number of claims per day exceeded 1.600.
At the same time, the speed of claims is constantly refreshing. The whole process of automated intelligent claims accounts for more than 65.55%, the time limit for applying for claims is 1.34 days, and the fastest time for medical insurance is only 4 seconds!
The maximum compensation amount is as high as 6.5438+04289 million yuan!
What is a major disease?
According to the claim report issued by Taikang Life Insurance, in 20021year, Taikang Life Insurance paid a total of 4 billion yuan in critical illness insurance, up 29% year-on-year; Total number of claims: 50,000, with malignant tumor ranking first (53%), followed by cardiovascular and cerebrovascular diseases.
What is a major disease? Major diseases, also known as serious diseases, refer to diseases that may have a significant impact on us.
According to the concept given in the National Health Education Reader for the Prevention of Major Diseases published by the Chinese Actuaries Association at the beginning of 20021,this great influence can be reflected in two aspects:
(1) "The condition is particularly serious", which will seriously threaten the lives of patients and their families, such as most malignant tumors, acute myocardial infarction, severe chronic renal failure and so on.
(2) "The treatment cost is huge", which requires expensive medical expenses, and will bring heavy economic burden to families, such as serious sequelae of stroke, serious Alzheimer's disease and serious primary Parkinson's disease.
At the same time, if a major disease is unfortunately diagnosed, the patient may not be able to work normally and need long-term care from his family. Therefore, in addition to the cost of treatment, the normal income of families will also be affected.
It can be seen that a major disease is a "costly and deadly" disease. If unfortunately diagnosed, it will be a major blow to most families.
From the experience of previous diseases, with the increase of age, the risk of major diseases is higher.
However, it is worthy of everyone's attention that the occurrence of major diseases in China shows a trend of gradual rejuvenation.
According to the data released by the Chinese Actuaries Association at the beginning of 20021,"gastric cancer patients aged 19 -36 account for 6% of all gastric cancer patients-11%,which is twice as high as the data 30 years ago. There is also the number one "killer" breast cancer of women's health in China, which basically increases at the rate of 17% every year, and the trend of youthfulness is obvious. 35 years old has become a small peak of breast cancer. "
In the past, major diseases with high incidence among middle-aged and elderly people gradually extended their claws to young and middle-aged people. Young and middle-aged people trapped by multiple pressures from work, family and society, while striving for a better life, meet the challenge of paying attention to disease risks.
Advantages of critical illness insurance
Compared with medical insurance, critical illness insurance has a unique advantage-the payment method is more direct.
After we buy critical illness insurance, as long as the insured meets the claim conditions stipulated in the critical illness insurance contract, the insurance company will pay the insurance money in one lump sum. There is no need to wait until the treatment is over, and there is no need to provide a series of expense lists to the insurance company.
The amount of claim is related to the insurance amount selected at the time of insurance, and has nothing to do with the medical expenses paid for actual treatment. We can use compensation to pay for medical expenses, supplement our family and pay for follow-up rehabilitation. In a word, we can control it freely.
However, when purchasing critical illness insurance, we should choose a higher amount of insurance as far as possible within the affordable range of premium payment, so that if misfortune happens, we can get more adequate protection.
After all, the treatment of most major diseases basically requires hundreds of thousands, hundreds of thousands or even millions of medical expenses. If the insurance amount is not enough, even if the insurance company pays the insurance money in one lump sum, it is still a drop in the bucket.
Carnation advocates and sees the power of business.
As a leading life insurance company, Taikang Life Insurance not only exported a series of high-quality insurance products, but also provided us with "one simple, two warm and three quick" claims service!
L "one simple" means one-click application for mobile phone claims.
L "two warmings" refers to hospitalization visits and chronic disease management after carnation compensation.
L "three fast" means that the subsidy credit payment will arrive in 20 seconds, the health insurance will pay directly, and the serious illness will pay in 2 hours.
In 20021year, Taikang Life Insurance served 317,500 customers, over 94,200 customers paid for carnation claims, 7,348 customers paid for serious illness first, and 5 1000 customers served for chronic disease management after payment, covering 2,383 health insurance companies and serving customers1. ......
This series of figures is the best embodiment of Taikang Life Insurance's concept of "keeping promises and caring for life".
Critical illness insurance is an effective guarantee tool for us to hedge the risk of disease and the income cliff caused by disease. Although almost everyone has basic medical insurance at present, it is more worry-free to have sufficient and complete commercial health insurance in the era of longevity!