Critical illness insurance, also known as major disease insurance, refers to a type of insurance in which the insured can receive insurance money if he or she is diagnosed with a serious illness specified in the contract, or reaches a certain condition specified in the contract.
But many friends may have questions, what diseases are covered by critical illness insurance? How to choose critical illness insurance? Don’t worry, Xiaokai will solve this mystery for you today.
1. What diseases are generally covered by critical illness insurance?
What diseases are generally covered by critical illness insurance? In fact, every insurance company must provide insurance for the 28 most common critical illnesses, and the compensation standards for the diseases are the same, because this is a hard regulation of the regulator and insurance companies cannot violate it. These 28 critical illnesses are shown in the figure:
New definition of serious illness
(Note: Deafness, blindness, severe Alzheimer’s disease, severe Parkinson’s disease, severe motor neuron disease, and loss of language ability are the six diseases for which the age of liability can be agreed upon. Different products may have different ages.)
These 28 types of critical illnesses basically cover most of the claims and are also the highest paid, so when you purchase critical illness insurance, you don’t have to be too picky about the types of diseases. After all, the supervision has already provided us with a safety net.
As for the remaining types of diseases, it is uncertain. Each insurance company and each product has its own regulations. Some products may cover dozens of serious diseases, while others may cover hundreds of serious diseases. It depends on the specific terms.
2. How to choose critical illness insurance?
So how do you choose critical illness insurance? Xiaokai gives you some suggestions:
1. Read the product health notice
When choosing critical illness insurance, the first thing to look at is its health declaration. The health declaration is to assess whether the customer’s physical condition can be covered by critical illness insurance. If it does not meet the health declaration, underwriting is required. If the underwriting fails, no matter how good the critical illness insurance is, it is easy to cause disputes when making claims.
2. Reasonably arrange the order of insurance
When choosing critical illness insurance, you should arrange the order of insurance reasonably. It is best to insure adults first, and then consider children and the elderly. Because the adults in the family are the economic pillars, if the economic pillars of the family fall, the lives of children and the elderly will be greatly affected.
3. Final Thoughts
In fact, if you want to choose a suitable critical illness insurance, there is a simple way. You can contact Kaixinbao consultant online. The consultant will customize an exclusive protection plan for you and your family based on your situation.
