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Data:2009-12-12 2:34
With the popularity of insurance, the majority of self-confidence have the ability to read the insurance terms of people, began buried in all the company's terms of critical-illness insurance into an attempt to Amoy a "cost-effective," the highest kind. However, with almost included in the "unequal treaties" and "can not read the Chinese characters" within the meaning of insurance terms, just to some of the terminology Yunshanwuzhao enough to refine half of the 15 individuals; Moreover, serious illness insurance Terms of them, there are a lot of medical terminology, there is no medical background who definitely will never read.
What should pay attention to when you bought a big risky what? How can we spend money on more "value"?
▿Key words of the insurance liability class
1, death insurance money
By convention, most of the major health insurance companies in the "death insurance" are paid according to the amount of insurance, but there are also some companies the "death insurance" is defined as: refund of the premium paid. If the same insured, the same price, the deceased do not lose coverage, but the refund, then it is equal to the customer should be the responsibility of the three insurers in a vacuum means removing the "death" one, to customers, are unfair terms.
Special Note: Paying the same premise, please select the amount of compensation for the death in accordance with the terms of the insurance.
2, serious illness insurance
For the "serious illness insurance," Most companies are in accordance with the sum insured or the insured amount to cover a multiple of the. But there are also insurance companies will be large wards were divided into two categories - suffering from "a class of ill," paid 80% of the sum insured, suffering from "second-class ill" paid 20%. In other words, when a customer actually was diagnosed with serious illness are most in need receive compensation payments when the same sum assured, the same price, in other companies receive a one-time payment of 200,000 yuan, while in the company can only get 160,000 yuan , and the rest have to wait for the 40000 and then suffering from poor customer another "second-class ill" in order to payment.
Of course, the company's external claims, and their advantages: After suffering from any type of serious illness are to be exempted from the remaining non-payment of premiums; but a discerning eye see at a glance, the company which set out the terms of the "one, second-class ill ", almost all other companies included in the scope of major diseases among other companies in the claims, the contract is terminated, unpaid premiums are not paid the same, so-called preferential policies exist in name only.
Special Note: Paying the same premise, please select the amount of 100% in accordance with the insurance pay serious illness insurance provisions.
3, full period of survival of gold
Dangerous because the great majority belong to the life insurance, so the majority of respondents considered that the so-called "80-year-old, 88 years old or 100-year-old to survive the full period of payment" is essentially decorative, but the company introduced on a regular basis for some type serious illness insurance, although the rate is cheaper , but basically there is no "survival of the expiration of gold" the return of the responsibility. More simply is that the prescribed period of protection occurs in the absence of major illness, no death, then the premium pay-off also evaporated forever.
Special Note: If not sure that the prescribed period of time suffer from ill or died, is reluctant to pay premiums over the years disappeared out of thin air, then select the responsibility with the return of life-long-shaped risky. Jinling Evening News reporter Zhou Yan Fu
▿Key words of the additional responsibilities of classes
Apart from the above that three insurance liability, some companies in order to improve the competitiveness of products, in addition to adding some new liability insurance. We call this additional responsibilities.
4, life insurance premiums that some companies care liability insurance in the "dignity of human life ahead of payments" or "life-care insurance," to provide when a customer with end-stage disease, survival within a certain period of time (for a hospital that date) , you can pay insurance premiums in accordance with the sum insured.
This is equivalent to twenty or thirty kinds of serious illness limited the scope of protection extended to the infinite: no matter whether the client's illness within the scope of the provisions of the serious illness, as long as the hospital to prove this person "life is not Jiu Yi", you can apply for insurance. This is also the additional benefits are very real responsibility. Of course, this so-called "survival within a certain period of time" in terms of each company is different, some 12 months, some 6 months; From a doctor's point of view, to judge, "survival of less than 6 months "than" 12 months "is relatively straightforward, it is the final settlement of claims from the point of view," 6 months "than" 12 months "is more likely to get life-care insurance.
Special Note: This is really the additional responsibilities.
5, special sickness allowance
Some insurance companies in the insurance responsibilities to include an additional of "special sickness allowance" 1 to require the insured person suffering from coronary heart disease, the need for coronary balloon angioplasty (also including laser coronary angioplasty and coronary stenting) When can an additional payment of 10% the amount of compensation paid after the original responsibility for the same, still enjoy the 100% protection of the insured amount of serious illness. Today, coronary stenting in the treatment of coronary heart disease has been very popular, so this additional insurance liability on the part of customers to enjoy 10 percent more than solid protection.
Special Note: This is really the additional responsibilities.
6, Waiver of Premium
Some insurance companies of "serious illness after the exemption period of non-payment of the insurance premium," regarded as "the other a liability insurance." Ask: major illness claims, the contractual obligations have been terminated, the insurance company will not pay anything to protect the insured is no longer bear the obligation to pay insurance premiums, how can "exemption does not pay premiums each year," is said?
Special Note: This is a false additional responsibilities.
7, all residual responsibilities
Some insurance companies will be "all residual liability" also included in the "full payment of insurance premium" aspects of "total disability" without the concept of customers will feel the responsibility to offer this. In fact, more than 17 kinds of diseases, protection of species in terms of serious illness, had the responsibility of dismantling the total disability as "deafness, blindness, aphasia, paralysis," and so various articles scattered hidden in the "N kinds of ill", it in the insurance responsibilities, and then singled out, "total disability" payment, it is purely a show of.
Special Note: This is a false additional responsibilities.
8, the types of illnesses a person can not in their lifetime, the opportunity to once again had to a variety of serious diseases. For over 30 years old male, multiple high incidence of serious illness, nothing is cardio-cerebral vascular diseases and cancer of several hundreds, if measured in terms of comprehensive coverage, then the market as long as the more serious types of more than 20 kinds of the above serious illness insurance, can be called "comprehensive coverage" of.
Special Note: the types of diseases should not be a key factor in terms of more serious illness.
▿Key words of the Claims Standard Class
As the saying goes: curious outsiders, insiders look at doorways. Dangerous terms of the larger process, if the comparison of the types of diseases regarded as "curious", then compare the terms of underwriting standards for the disease claims, the more they are "subtle," by order of the experts. Because the claims criteria determine the insured person can receive compensation under what circumstances. Of course, the insurance company will not knowingly put the claims can not be achieved the standard written into the terms, but after all the terms of which each company claims, or whether there are gaps, these gaps are the experts to compare the provisions of trump card.
9, myocardial infarction × selection × present time when all the terms of insurance, claims the standard of myocardial infarction divided into two categories: one category is 3 elections 3, which is standard for myocardial infarction has three claims to be in full compliance with it you can receive compensation; the other is 5 selected three, that is, the standard for myocardial infarction has five claims, of which there are three standards with as long as you can receive compensation.
Special Note: Please choose a more humane, more user-friendly receive compensation for the "five selected 3" provisions of the insured.
10, stroke permanent neurological dysfunction
Most companies will stroke (including: cerebral hemorrhage, cerebral embolism and cerebral infarction and other three) after the occurrence of a "permanent neurological dysfunction," as the claims standards, according to insurance, medical practices, more than 180 days after the time for treatment, still can not restore nerve dysfunction, it can be called "permanent", so most of the time the company also put claims as: "After 180 days (or 6 months) or more of treatment." Of course, some companies will be claims of the time standard set at "6 weeks later", so that put claims greatly shortened the period, so that customers can get earlier claims.
Special Note: including stroke, paralysis, coma, severe head trauma and other issues involving "permanent neurological dysfunction," the disease, please select the terms of insurance claims of short duration.
11, the types of organ transplants
Can protect organ transplants include heart, liver, kidney, lung, bone marrow, pancreas, small intestine, or only a few of them. This substantive protection of the project, of course, the better.
Special Note: Please choose many kinds of organs can be transplanted the terms of the insured.
12 types of paralysis
Insurable items include paralysis, complete paralysis, upper limb paralysis, lower limb paralysis (paraplegia), and quadriplegia, or only one of the one or more security?
Special Note: Please select a variety of fully protected under the terms of paralysis of the insured.
13,60-year-old Alzheimer's disease (Alzheimer's disease)
Is to protect the life, or just to protect the 60-year-old? After 60 years of age incidence of Could not called "senile dementia" it?
Special Note: Please options to the provisions of protection of the life insured.
14, benign brain tumor craniotomy
Whether craniotomy as the necessary conditions for the settlement of claims. Is it a benign brain tumor, after birth, it must be done craniotomy, if the use "Gamma Knife" and other radiation therapy on benign brain tumor is not it?
Special Note: Please choose not to craniotomy as the necessary conditions for the terms of insurance claims.
15, blood infected with AIDS
At present a few insurance companies will "blood infected with the AIDS" included in the scope of claims. Many customers think that when the claims "whether blood infection" is difficult to determine, in fact not the case, if there is need for hospitalization of blood transfusion, the hospital would be a routine examination of patients with "HIV antibodies", the patient will be discharged when the review of "HIV antibodies", before and after the 2 time control, it is easy to identify whether it is the result of infected blood transfusion. Although some companies "AIDS" responsibility, but security objects, which provides that only "HIV-infected health care workers in the working hours" and that the scope would be too narrow.
Special Note: If you focus on "blood infected with the AIDS" claims responsibility, please choose all of the insured group insurance provisions for the protection of the object.
16, the main insurance or additional insurance
On the market are sometimes encountered as an additional risk of serious illness insurance coverage, these additional risk premium is relatively inexpensive, but as of this additional risk corresponds to the responsibility of the main risk is that we need not necessarily, but these major risks and additional risks of combination between the often meet certain proportional relationship, so the final count, and paid even a higher risk than the single call the shots.
Special Note: if only more serious protection, the proposed options to separate the main risk insurance provisions of the insured.
17, and paid-year terms allowed by the insurance companies to pay more or less the period, some only a year or wholesale payment is not paid. In selecting payment deadline, you can pay according to their individual abilities and preferences to choose the investment risk.
Special Note: It is recommended duration of types of payment options are more easy to choose the terms of insurance.
18, Contributions fixity
Some companies required under the terms: "The Company reserves the increase or decrease the premium rate right", I personally think this is causing serious damage to the interests of customers of the terms of Overlord. Suppose you have this year to 4,000 yuan / year insurance premium the insured amount of 100,000 yuan serious illness insurance, insurance company tell you the second year: premiums rise 500 yuan, if the continuation of the policy effect, we must follow the 4,500 yuan / year Paying ; and refused to continue the payments, then the termination of the contract. Either way, the loss of all clients.
Special Note: the insured before the insurance agent for detailed advice, be sure to choose the terms of fixed contribution insured!
19, illness and death of the period of observation
The company's provisions of the illness and death generally have one-year observation period, 180 days and 90 days, three kinds, but also the responsibility of the company's death is not the period of observation.
Special Note: Try to choose the period of observation time is short, not even the terms of the observation period the insured.
20, auto mat premium
Encountered in travel, tourism, etc. and can not pay the premiums, over the 60-day "grace period", the policy effectiveness of the "suspension", and yet again after the resumption of efficiency through the "observation period." If "automatic mat premium" feature, you can ensure the effectiveness of extended to the renewal of the insurance premium payments.
Special Note: It is recommended choices are "automatic mat premium" feature of the provisions of the insured.
