Many people know that in the past, once diagnosed with cancer, it was equivalent to declaring death. So now cancer is chronic, what does this mean?
On the one hand, through effective treatment, many patients can live in peace with cancer for many years. On the other hand, from the perspective of treatment cost, the long-term treatment cost of cancer patients is still a great economic burden. So, what commercial insurance is suitable for this problem?
To tell the truth, the medical insurance products on the market can be described as "a thousand troops and horses", but each has its own characteristics. After all, people have different needs and different choices.
Today, I will introduce several types of insurance for your reference:
1. On August14th this year, a brand-new upgraded version of Healthy Life Serious Disease (Unlimited Compensation) was launched, which was underwritten by China People's Health Insurance Company and featured by Ant Insurance. It is also the only "Unlimited Compensation for Cancer" serious illness protection product in the industry at present.
What does unlimited compensation for cancer mean? In fact, it means literally, that is to say, after the user has insured this product, once he has cancer in the future, the claim for cancer can be unlimited. The advantage is that the scope of protection is very large, including new occurrence, metastasis, recurrence and persistence, and there is no limit on the amount of insurance and the number of payments.
For example, it is easy for everyone to understand: suppose you have insurance with a basic coverage of 500 thousand, you will get 500 thousand after the first diagnosis of cancer; After an interval of 3 years, if the second diagnosis is still cancer (no matter whether it is new, metastatic, recurrent or persistent), then 120% of the basic insured amount will be compensated, that is, 600,000 yuan; After that, every three years, every time cancer is diagnosed, 50% of the basic insurance amount, that is, 250,000, will be paid for life, unlimited times.
I feel that this kind of insurance looks really good and is worth considering. It is remarkable in terms of cost performance and security, and it also captures the characteristics of "slow cancer", which will make the insured feel more secure.
In addition to health benefits and lifelong serious illness (unlimited compensation), there are several types of insurance recommended for your reference.
Anyone who has bought insurance knows that it is usually difficult for cancer patients to buy ordinary millions of medical insurance, but they can buy products similar to millions of medical insurance, such as Huimin insurance and tax-excellent health insurance.
The characteristic of Huimin insurance is that you can buy it if you have cancer, and a small number of products can also be reimbursed for cancer, but there is a disadvantage, which is likely to reduce the reimbursement ratio.
Tax-excellent health insurance can also be bought by cancer patients, but the personal salary is required to reach a tax threshold of more than 5,000 yuan, with a minimum of 2,400 yuan per year.
Speaking of which, I really feel sorry. In fact, buying insurance after getting cancer is for future risks and compensation, and it is difficult to solve the current economic problems. Therefore, here I recommend several ways to reduce the burden of cancer treatment for your reference.
First of all, it is recommended to buy medical insurance and Huimin insurance. Secondly, for major diseases in various regions, the government will have some medical assistance projects. If necessary, you can contact your neighborhood office or village Committee for consultation. In addition, major medical research institutes will have some places for free drug testing, which is also a last resort.
In a word, although medical technology is improving, the incidence of cancer is also rising in recent years. Although there is a trend of chronic diseases, as ordinary people, we should treat cancer rationally and scientifically and prevent it in advance.