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Data:2009-12-12 2:34
Two kinds of do not buy
You can not buy one: the terms of the incidence of the disease rather strict restrictions on the extent of such protection is actually no real meaning, can be considered not to buy.
The insured can not be ignored is that critical-illness insurance is not only important to the number on the surface, as well as it does to provide protection types of illnesses. Although some diseases included within the scope of protection, but the terms of the incidence of the disease rather strict restrictions on the extent of such protection is actually no real meaning, can be considered not to buy. For example, Alzheimer's disease and Parkinson's, many of the insurance provisions, these two diseases to be diagnosed before the age of 65 only to paid, in fact, these two diseases before the age of 65 found almost no disease or in general are over the age of 70 may only occur even more than 80.
You can not buy two: Also some diseases can not be insured already suffering, there would be no insurance necessary.
If the company to protect against poliomyelitis, which is polio, the disease can not be won simply for adults; while some companies are insured limit must be-I diabetes, which is congenital, and this possibility little.
Seven Note
1. To understand the contract before buying under the definition of major diseases. In making a purchase decision, we must carefully study the terms, the question timely advice insurance companies, agents or related professionals. Only in the identification of contracts under the premise in order to sign in order to effectively reduce the incidence of subsequent disputes.
2. Major diseases like insurance and other medical insurance, there is a waiting period. This waiting period is generally for 90 days to 180 days, different products, different provisions of the insurance company would be slightly different.
3. For some ordinary day's illness should be truthfully inform the insurance company. Otherwise, trouble may arise when claims. Past history of the initiative to inform the insurance company can effectively prevent future claims disputes from arising.
4. A detailed comparison of different insurance terms. For cancer, burns, paralysis of major diseases such relatively "common" diseases, individual terms were almost identical. But some, such as major organ transplantation, including organ type much less often. There are such as deafness, blindness, hearing loss for at least some are required before they can lose more than a year, some only require 90 days. Such as acute myocardial infarction, and some require the same time, satisfy the five conditions can only be paid, some as long as three to meet any of them can lose.
5. To refer to their own physical condition and family history. Selective Repeat the most important disease risk is to examine whether the draft articles contain common cardiovascular, organ and age-related diseases, with these three categories, and can basically meet the needs of the general protection of policyholders. But remember, we should refer to their own physical condition and family history, choose to go for you most concerned about the payment terms of several diseases relatively stringent corporate insurance.
6. Insured is not the better. Since the disease re-insurance premium is the insurance actuary in accordance with the insurance rates contained in the incidence of various diseases, combined to give a variety of indicators, and the diseases to protect the more the higher the insurance premium. With regard to specific policyholders, they had to buy accident insurance has been able to guarantee that certain wound-like illness, then there are cross-protection project to buy Zaiqu heavy disease risk, tantamount to a waste of money.
Buy shares
A number of major illness insurance products to protect the heavy disease, approximately below the cost of treatment.
Cancer, also known as malignant: 100,000 ~ 30 million;
Chronic renal failure: dialysis 400 yuan / times, 12 times / week, a kidney transplant 150,000 to 30 million;
Early detection of myocardial infarction therapy: 50000, vascular re-pass surgery: 10 million;
Stroke sequelae: 80000 ~ 10 million;
Severe burns: skin, a complete cure in 20 million yuan, an average of 10 million;
Coronary artery surgery: a Bridge 5 million yuan, an average of 7.5 million;
Paralysis: treatment costs, hospital fees, nursing care, an average of 500 yuan / day.
The average cost of treatment of major diseases are generally at 10 million yuan and sickness insurance policyholders to purchase a significant amount of insurance at least 10 million yuan. Typically, the annual medical insurance premium income accounted for 7-12% more appropriate not to participate in social health insurance policy-holders can be considered an appropriate share of the premium increase the proportion of annual income.
Many of today's serious illness are not terminally ill. If you already have social security, the unlikely event of serious illness have occurred about 90000-100000 yuan in reimbursement. To use business to supplement the 100,000 yuan serious illness insurance, medical expenses for the gap. In addition to preparing medical payment, but also consider the cost of living. In the serious illness of treatment time will be no income, if still have an at least 10 million compensation for loss of income, you can buy a 200 thousand yuan serious illness insurance.
