Category: Insurance tips Release Date: 2006-08-01
Critical-illness insurance is everyone's insurance portfolio in a very important part of 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? According to experts, the choice of the insured amount shall be based on individual needs, while insurance companies have to combine the specific provisions of insurance liability.
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 with a company as an example: the contract, 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. 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, plus interest and other factors, the actual cost is not necessarily higher than the Yicijiaoqing 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 delivery, the actual premiums paid only one-fifth; if 20 years to pay, they paid only one-tenth of the premium.
In addition, taking into account the very ill and other appropriate expenses, but also diseases are the main health insurance outside the attached hospital of medical insurance and hospital life Tianjin / subsidies, insurance, so that serious diseases can receive re-confirmed illness insurance funds, while the hospital treatment health care expenditures and can be compensated. Experts believe that out of income 7-8% re-disease kind of insurance coverage is more in line with actual needs.
