I have bought critical illness insurance, but I have never had a serious illness in my life. Whether I can get my money back depends on what kind of critical illness insurance I bought and whether I have the function of life insurance.
Because, from this perspective, critical illness insurance can be divided into two categories: VS with death responsibility and VS without death responsibility.
In the vernacular, those who are responsible for death will lose money when they die; Therefore, if there is a mortgage with a total loan of more than 6.5438+0 million, it is generally recommended to use death liability critical illness insurance and term life insurance to pass on the death risk.
Because this combination is the most cost-effective, term life insurance is very cheap. If a 30-year-old woman buys 1 10,000 insurance to guarantee the benchmark mortgage for 30 years, it will cost several hundred yuan a year.
Life-long critical illness insurance without death liability can only be paid in strict accordance with the diseases agreed in the contract, and there are no other payment conditions.
The coverage of life-long critical illness insurance for death liability is obviously larger. You can get compensation whether you suffer from the disease or die as stipulated in the contract; And I'm sure I can get the insurance coverage.
Obviously, the premium of critical illness insurance without lifelong death liability is lower, and it is easier for policyholders to apply for insurance. But at the same time, it is also limited by the contract, and the protection is correspondingly limited.
In the comparison table of pure critical illness insurance products, the column of death protection will be specially marked: non-critical illness insurance will be surrendered and return to the current price. Even if the insured dies, the cash value of the policy is still there, and the insured (or family members) still have the right to obtain the cash value of the policy through surrender.
This problem will become a prominent contradiction in the next few years, because many consumers have bought such insurance now. No matter how you buy this kind of insurance, you can't completely cover the blind spot. I mean the blind spot of claims after your death.
The blind area of claims has the following points.
65438+), at this time, the insured can claim to surrender and get the cash value of the policy. If the investor dies before the insured and the insured dies after the premium is paid, it will be the most troublesome, and it will become the inheritance of the deceased insured and go through the inheritance procedures. I have experienced this situation twice. The result is very different.
2. The applicant and the insured are the same person, and the insured has not died of serious illness, which becomes the insurer's own legacy. The cash legacy equal to the cash value of the policy is inherited by the insured's legal heir.
3. At present, under the guidance of experienced brokers, some products can have the opportunity to return cash value independently. In the future, insurance companies are expected to introduce more perfect solutions to deal with a large number of such claims. Because this will not be a case, there will be a large number of compensation cases, which may reach a peak in 20 years, and the system is expected to be more and more perfect.
4. For the insured who died of illness, it is best to voluntarily surrender at an advanced age. This requires families to attach importance to insurance policies, close contact with family insurance brokers, and trust professional value.
Regular policy inspection will become a very important part of future after-sales service. Not all after-sales services have professional value. We need a pair of discerning eyes to improve our understanding.