Critical illness insurance ＂points in the second payment of
On October 13th, Life Insurance officially launched additional long-term major illness insurance, continuing the product development ideas of life insurance. This is the increase in the advisory marketing system after the introduction of consumer-protected products with family-protected term life insurance in July. The first additional secondary payment for long-term critical illness insurance is another new product that pays for the double-disciplinary insurance for the consultant marketing system after the success of the traditional channel. Life chief actuary Zhang Ke told reporters that with the improvement of living standards and advances in medical technology, the average life expectancy of residents is increasing, while the incidence of major diseases is also increasing simultaneously, and the age of onset is obviously younger. If a long-term major illness insurance customer suffers from a major illness and gets a first-time claim for one year, and then suffers another major illness, he can receive the insurance premium again, which fully reflects the guarantee. This is the first responsibility for the major health care for the sub-health. An additional critical illness insurance, that is, after obtaining the first major illness claim, the client can regain the opportunity to insure the second major insurance for major illness without a physical examination. In recent years, as a major insurance for health insurance - major illness insurance has become a preferred type of insurance when people are insured, but many consumers think that the critical illness insurance is "safe and not guaranteed", the settlement is more difficult. The "Health Insurance Management Measures" stipulates that after the health insurance contract is in force, if the insured is diagnosed according to the medical diagnostic criteria, the insurance company shall not refuse to pay the insurance premium on the grounds that the diagnostic criteria are inconsistent with the insurance contract. Insurance experts say that this provision fundamentally resolves the controversy over the definition of insurance diseases, protects the rights and interests of consumers, and regulates the principles of handling major diseases. At the same time, consumers need to pay attention to the following aspects when paying for serious illness insurance. First, a hospital diagnosis is needed. The insurance expert said that when the insured person feels that the insured person has a symptom of a major illness, he or she will usually go to the hospital designated by the insurance company for treatment. During the consultation, the hospital will diagnose the physical condition of the insured. A conclusion is drawn as to whether the insured has a major illness and which type of serious illness. The diagnosis of a hospital will have a confirmed diagnosis, and the diagnosis is an important basis for the payment of serious illness insurance claims. Second, report the case in time. Insurance experts say that after the insured is diagnosed with a major illness, the insurance policy needs to be checked to see if it is a major illness as stated in the policy. In general, major illnesses are basically included in the insurance that the insured is insured. Next, the insured must report the case to the insurance company in time, and report the case before or after the hospitalization. After the insurance company receives the report, it will start the claim process and make claims. Finally, prepare the claims information. Insurance reminds that heavy illness insurance claims generally require the following materials: First, diagnostic certificate, outpatient medical record, discharge summary, hospitalization summary, multiple hospitals need to provide diagnostic certificates for multiple hospitals at the same time; second, medical expenses receipts, hospitalization expenses A detailed list of receipts and hospitalization expenses; the third is the examination report of pathology, laboratory tests, imaging, electrocardiogram, etc. These reports need to be stamped with the valid signature of the medical institution.