Critical illness insurance shopping guide, easy to choose the critical illness insurance products that suit you!
It is necessary to insure myasthenia gravis with commercial critical illness insurance.
? ? Although myasthenia gravis can be inhibited by surgery, patients need long-term drug maintenance. This series of treatment costs are huge, and ordinary families can't afford the treatment costs of myasthenia gravis. However, the emergence of commercial critical illness insurance has made many myasthenia gravis patients see the hope of treatment. Commercial critical illness insurance can not only reimburse the treatment expenses caused by myasthenia gravis, but also pay a critical illness insurance premium immediately after the insured is diagnosed with myasthenia gravis, so that the insured can get timely treatment and avoid delaying the illness. ?
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Case introduction
On 20 10, Ms. Wang insured her son Bao for the Platinum Plan of Sub-health Major Disease Protection Plan, with the insured amount of125,000 yuan. In May of 20 12, the insured, who was only 23 years old, was diagnosed as myasthenia gravis. The news came like a bolt from the blue, leaving his family with endless sadness and helplessness. Although social security can reimburse part of the treatment costs, the high treatment costs of myasthenia gravis are beyond the family's affordability. On June 10, Ms. Wang suddenly thought of buying insurance for her son, so she reported the case to Huize.com customer service. After receiving the customer's claim, Hui Ze. Com immediately reported Ms. Wang's situation to AIA Insurance Company, and assisted Ms. Wang in preparing relevant claim materials. On the day of June 14, the appraisal conclusion came out, and 125000 claims were credited to the customer's account. Ms. Wang's family is very grateful.
Huize.com experts tell you how to choose myasthenia gravis critical illness insurance.
An insurance expert from Huize.com said: There are two kinds of critical illness insurance products for myasthenia gravis, one is long-term insurance with balanced premium and the other is short-term insurance with natural premium. Specifically, the critical illness insurance with balanced premium is the same every year from the age of 28 to 85. This kind of critical illness insurance is usually a savings insurance with a long insurance period. The natural premium for critical illness insurance is very small when you are young, but with the growth of age, the premium is gradually increasing. The short-term consumer critical illness insurance that is renewed every year is usually such a product.
Judging from the current product rate, the premium of short-term consumer critical illness insurance will increase very quickly after the age of 40. Therefore, if citizens need long-term and sustained major illness protection for diseases such as myasthenia gravis, from the perspective of premium, long-term savings insurance may be more economical. For example, two 30-year-old male customers, A and B, have a premium budget of only 3,500 yuan, and they need critical illness insurance very much. A if you choose long-term insurance, you can only buy a critical illness insurance with a coverage of 654.38+10,000 yuan and a payment period of 20 years; B If you choose short-term insurance, you can buy more than 300,000 yuan.
Judging from the sales situation of Huixuan. Com, what is the current website? Savings+consumption? The number of buyers of the critical illness protection portfolio is still relatively large, and this insurance portfolio also provides comprehensive protection for serious diseases such as myasthenia gravis.
Here, I recommend a Taikang E Kang B life-long critical illness insurance product from Huize.com, which provides comprehensive protection for 32 major diseases. Users can choose the insured amount at will. The maximum insured amount is 500,000, and the premium is relatively cheap, which can help you solve big risks with small investment. Moreover, the payment of this kind of insurance is limited, and the protection is indefinite.
Tips of Huixuan: The above are several ways to insure Huixuan for myasthenia gravis. Com's critical illness insurance. For many policyholders, the incidence of myasthenia gravis is low, so Huize.com tends to consider consumer critical illness insurance products when applying for critical illness insurance. However, with the growth of age, it is necessary to buy insurance products to protect myasthenia gravis for a long time.