Principles and matters needing attention in commercial critical illness insurance.
Due to the development of the insurance industry and the encouragement of the state, all kinds of commercial insurance began to enter thousands of households. Among them, commercial critical illness insurance is favored by many consumers, because the treatment cost of major diseases is very high, and a family can easily fall into economic crisis. Then, what are the principles and precautions for insuring critical illness insurance?
Consumers must follow four principles when insuring commercial critical illness insurance: first, understand all the terms of the insurance contract of commercial critical illness insurance, which stipulate what protection we can provide when we have an accident; Second, the applicant for commercial critical illness insurance must adhere to the principle of good faith, that is, when applying for commercial critical illness insurance, the applicant must truthfully inform the insurer of the actual physical condition and age of the insured, which will affect whether the insurance company agrees to underwrite, whether it is necessary to increase the insurance premium, and so on. And if false, the insurance company will refuse to pay or pay less; Third, the insured should pay attention to the reasonable collocation of insurance types when choosing commercial critical illness insurance. Only in this way can we provide comprehensive protection for the insured; Fourth, the insured must keep the relevant certificates, tickets, bills, documents, etc. And all insurance-related documents, such as insurance applications, insurance policies and tickets related to diseases (such as certificates, medical records, invoices, etc.). ), should be properly kept. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
The above is the insurance principle of commercial critical illness insurance. Here are the precautions for insuring commercial critical illness insurance.
Matters needing attention in commercial critical illness insurance can be divided into four items:
1. It is recommended to choose lifelong critical illness insurance, because the premium of commercial critical illness insurance increases with age.
2. Because people's life is tense now, the threat of diet health is getting bigger and bigger, and the incidence of cancer is getting higher and higher, so the coverage of critical illness insurance must be extensive.
3. Pay attention to the waiting period of commercial critical illness insurance. Generally speaking, during the waiting period of commercial critical illness insurance, if the insured has an insurance accident, it is also impossible to obtain claims. The shorter the waiting time, the better.
Because in the case of inflation and high medical expenses, the insurance coverage is too small to play the role of emergency fund, so the insurance coverage for major diseases should be at least 200 thousand.
In fact, commercial critical illness insurance is not good or bad, only the right one is the best. It should also be noted that the insurance coverage in critical illness insurance is relatively strict, and only the insured can be insured in good health.