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Data:2009-12-12 2:34
Critical-illness insurance is everyone's insurance portfolio in a very important part, because the event of major diseases, if there is no reasonable insurance coverage, in addition to bear the pain of the disease, but also to endure the economic embarrassment. So, when the insured type of insurance, what to do to a reasonable arrangement?
First of all, the choice of the insured amount shall be based on personal needs, while insurance companies have to combine the specific provisions of insurance liability. With a company's insurance policy A, for example, the contract provides that the insured person first occurred, the contract specified 10 kinds of major diseases, access to basic insured amount to twice the critical-illness insurance payment; if they are insured a high degree of death or physical disability, then the by three times the amount of basic insurance benefit, subject to deductions for major diseases has paid insurance premiums.
Some statistics show that China's per capita requires 10 million from the heavy medical costs for illnesses, according to the current medical insurance policy, if suffering from major diseases, about 20% of the burden of medical expenses up to the individual. From the security point of view, there are health insurance at least requires 2 million in compensation, while not participating in Medicare require 10 million to compensate. A policy taking into account the provision of basic insured amount to twice the critical-illness insurance payments, therefore, may participate in health insurance insuring 10,000 yuan, there is no need to insure the participation of 50 thousand yuan.
Experts suggest that disease in the insurance re-insurance, health insurance, try to choose the payment method Paying a long period. First, because the Contributions long period, although the total amount paid may be slightly more, but every time Paying less will not bring too great a burden to the family, coupled with interest rate and other factors, the actual cost is not necessarily higher than the lump sum the payment methods. Second, because many insurance companies stipulate that if a critical-illness insurance payments paid during the period occurred in the Contributions from the payment date, a waiver of subsequent phases of insurance premiums, insurance contracts remain in force. This means that if the insured person the following year the body Someshige Contributions disease, choose the 10-year payment, the actual premiums paid only one-fifth; if the 20-year payment, it is only one-tenth of the premium paid.
In addition, many life insurance contracts to provide the amount paid by insurance, the choice of clear, that the cash value of insurance contracts with the case (generally two years after the insured), the insured can be deducted at the time the cash value of non-payment of premiums and interest the balance, as Yicijiaoqing all premiums to the same contractual conditions to reduce the sum insured, the contract remains in force. This means that selection phases be paid the insured, in the future want to reduce the sum insured or the place Contributions difficulty, in addition to a compromise can there be than surrender option.
Taking into account the very ill and other appropriate expenses, you can also re-disease health insurance outside the main hospital medical insurance and hospital attached living Tianjin / subsidies, insurance, so that in the major diseases can receive re-confirmed illness insurance funds, while the hospital treatment health care expenditures and can be compensated. Experts believe that, come up with incomes of 7% ~ 8% of diseases are kind of insurance coverage is more in line with actual needs.
