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Data:2009-12-12 2:34
Wealth of insurance products to the insured the choice of a wider space, but also brings more choices of policyholders trouble. Now virtually all the insurers are the numerous varieties of health insurance, individual insurance salesmen and insurance agents will be blowing his own hype, coupled with arcane insurance terms, it appears to the insured by making the choice more difficult. Because it involves the value of their own lives, something, who would not be taken lightly.
In fact, the choice of what kind of health insurance, and perhaps even the professionals from the insurance sector do not have their own strengths in a variety of products to make easy choices. However, a number of someone who has experience, in selecting health insurance as long as careful attention to the following when the content is easier to make the right judgments.
A, insurance liability class
1, the death of responsibility: should choose the 100% payment of the sum insured. There is also paid by premiums paid by the proportion of payment or other, and paying the premium is not nearly full payment, the gap came out.
2, the major responsibility for serious illness: the same should choose the 100% payment of the sum insured. When the event of a major disease, both for individuals or families, are no small blow to the economy is also a heavy burden, you need the most reasonable compensation? Still need 20%, 50%, 80%?
3, the return of responsibility: ill Paul diseases, disease-free pay back the money, this is certainly what we want;, but the return of the sum insured or the premium in turn opened a big gap, so they should try to choose life-long return type.
Second, additional responsibilities
A real and effective additional responsibility: end-stage disease, diseases invalid special additional responsibilities: total disability, etc. (more serious diseases had already been included responsibility for a number of total disability, such as blindness, deafness, limb deficiencies, etc.).
Third, the standard claims
Everyone hoped that the more lenient standards in the settlement of claims, when possible, at present there are over 500 kinds of cancer known to the unknown is hard to understand, and probably written in terms of 11 do? For example:
Myocardial infarction: diagnostic criteria if it has five electoral 3 and 3 the election three, of course, three of the five selection criteria should be relaxed.
Stroke: the shorter the time the better, is to wait six weeks or the onset of 6 months to lose! Organ Transplantation: There are five regular, and some companies, including seven paralysis: Yes, all of them lose limbs or paralysis lose it.
Alzheimer's disease: an increasing number of mental or manager to run out ahead of the Jingqi Shen, WHO report on the number of Alzheimer's patients to improve and advance the age is the sum of the age of 65, or to life, Reagan lived to 90.
Benign brain tumors: It is not also lose craniotomy craniotomy was still necessary to lose, advanced technology of the, γ knife surgery can be resolved.
AIDS: AIDS and the incidence is rising, for those innocent people, who will protect them? 4, other. Customer Contributions is fixed, or may be adjusted at any time, if the insured a few years and then asks for a fee, is to continue to Contributions or surrender?
