Category: Insurance tips Release Date: 2006-08-01
More recently, critical-illness insurance in the country has been widely reported, although we can put forward different views on the product, but the undeniable risk of major diseases in the body for those suffering from diseases that cause significant harm to clients, its economic aid and the protection function is to obvious.
So, we buy critical-illness insurance product, should pay attention to what areas?
1. To see the terms of the contract should be explained that the critical-illness insurance product is not a panacea, not a disease, all insurance, the insurance company to be able to be insured suffering from disease, the extent of disease and the provisions of the insurance contract terms, in the insurance contract in Within the scope of protection in order to receive payment. Therefore, in the purchase of critical-illness insurance product, insurance contract provisions to look at the insurance coverage in order to avoid unnecessary disputes after purchase.
In addition to the contract agreed upon the major diseases in addition, consumers also need to other diseases or other insurance benefits to provide insurance coverage, consider purchasing some additional medical insurance, the main benefits include: disease, hospital benefit, and operation fees compensation, hospitalization costs compensation, and the major diseases with them to purchase insurance products, are guaranteed a more comprehensive, cost a more reasonable insurance coverage.
2. Truthfully inform the insurance is based on the principle of utmost good faith contract, in the insurance process, for some ordinary day's illness should be accurately informed the insurance company, or may lead to ineffective and unable to perform the contract, claims arising problems. Therefore, insurance companies take the initiative to inform the past medical history, can effectively prevent future claims disputes from arising.
3. What one can buy insurance products, are not insured as high as possible, consumers should be based on their economic capacity to purchase on demand. Data show that the costs of treating major diseases is currently an average of 10 million per, so the sum insured in the 10 to 20 million from the more moderate, less than 10 million may slightly less. The same time, bought insurance, the policy must not be shelved, it should be out on a regular basis to check to see if his past is now to buy the product meets the needs of the time sufficient funds, but also may be appropriately insured.
4. Insurance sooner rather than later generally insured long-term critical-illness insurance, the insured person's age a great impact on the level of premiums, the sooner the insurance premiums more expensive. Had estimated that the cost of purchased on or after the age of 50 than 30 years of age to purchase should be considerably higher. Also, a lot of emphasis on disease risk over 55 years of age or 60-year-old no longer insured, and in the words before the insured may generally be in old age or until the permanent protection.
In summary, buying insurance, according to the need of major diseases do what, in your sickness insurance products to make a major purchase decision, especially in the insurance contract signed their names before, we must carefully study the terms, so as to effectively to reduce the incidence of subsequent disputes. At the same time, major illness insurance products and other insurance products, combined to buy, so as to let your insurance contract to maximize efficiency.
