Insured serious illness insurance out of the triple fog
Insured with severe illness insurance out of the triple fog, major illness insurance is a young member of the insurance family. It has only been more than 20 years since its history, but since its launch in South Africa in 1982, it has quickly swept the world, which shows that Great field demand and good social benefits. It is no exception. Since its first sale in 1995, it has been a short period of 12 years, and major illness insurance has become a popular insurance product popular with many customers. However, it is undeniable that due to the complexity and professionalism of its terms, such products have always been one of the most controversial and most disputed insurance products. In order to protect the rights and interests of consumers, since April 2006, the Insurance Industry Association and the Physician Association have carried out cross-industry cooperation and formulated the Code of Practice for the Definition of Diseases for Major Sickness Insurance (hereinafter referred to as the “Code of Practice”), and in 2007, 8 Officially launched on the 1st of the month. The "Regulations on Use" defines the most common 25 major diseases in terms of expressions and interpretations, and stipulates that the six most serious diseases are the inevitable diseases, thus greatly reducing the insurance companies. The difference in the definition of critical illness is independently formulated, which provides effective help for consumers to purchase safely. However, even in this case, major illness insurance still presents a wide variety of responsibilities, different responsibilities, and difficulty in comparison. It can be divided into regular and life-long types depending on the period of insurance, and can be divided into early payment types according to the form of payment. The additional payment type can be divided into independent main insurance type and additional special type according to the different insurance conditions. According to the different premium flow, it can be divided into consumption type and return type. The return type can be divided into returning premium and paying insured amount. (On request, since the end of 2006, the independent return type of critical illness insurance has been discontinued, replaced by a bundled combination plan for hybrid insurance with heavy illness liability), which has brought a lot of customers to prepare for insurance. The problem, everyone is often accompanied by some confusion when choosing, we may wish to make some brief explanations on the typical questions. First, is the more diseases the better? Not necessarily. After the introduction of the "Code of Practice", most insurance companies will include 25 uniform design terms, which is the most serious disease, and the number of additional diseases is large (more than 40 now). The incidence is usually extremely low and there is no qualitative difference in terms of the overall risk coverage. However, in the overall situation, each company will also strive for its own. For example, most companies that perform surgery on coronary artery only maintain bypass surgery, and do not include stent surgery that is more commonly used in clinical practice, but there are also three or four. The company has made a breakthrough and included stent surgery in the scope of protection, which is more beneficial for customers with a family history of heart disease. In short, the comprehensive coverage of each major illness insurance is similar. When choosing, you should not simply compare the quantities, but should insure the terms that are more favorable to you according to your own situation. Second, is the longer the deadline, the better? Not necessarily. Of course, in terms of the human cycle, the greater the age, the greater the risk of suffering from various diseases. Therefore, the long insurance period means that the probability of getting a risk will be greater, but at the same time the premium will be higher. Insurance provides an economic compensation when the risk occurs. In terms of the risk of serious illness, the loss to a person or family at different stages is very different. If it occurs in old age, the loss occurs. It’s just a single medical bill, but if it happens in the middle or middle age, it will cause a decline in competitiveness and a decrease in the cost of medical expenses. This loss is double, and this stage is often old and Small, perhaps repaying loans, family responsibilities and pressures are the biggest, therefore, at the most important stage requires higher security, and some regular insurance (especially consumer) premiums are very low, just to meet the above The best choice for demand. Third, which of the return type and the consumption type is more cost-effective? In fact, the two are the same in principle. Since the insurance company bears the risk, it must collect the corresponding premium. As far as the customer is concerned, if the risk of insured does not occur, the premium is lost, and the two types are only reflected in different ways. The consumer-oriented embodiment is relatively straightforward. People think that insurance premiums are not paid. In fact, insurance is a mutual aid mechanism. Everyone pays a small amount of premiums. When they get out of danger, they will get a high amount of compensation. It is equal to the assistance of the people. It is equivalent to giving heart and helping those who have misfortunes. This is what the insurance concession is doing. On the surface, the return type does not seem to suffer, but if you consider the factors of interest and investment income, there is actually a loss. In general, depending on the age of insurance and the period of insurance, the age is lighter and the duration is shorter. It is better to choose the type of consumption, and as the age increases, the premium for the period will become higher, then the return type will be selected. It may be more cost effective. Finally, we have a common experience through a case: Mr. Zhang, 36, company manager, monthly salary of 20,000; wife, Ms. Wang, 32, ordinary staff, monthly salary of 3000; son 3. Both parents are still alive, just bought a house, monthly supply of 6000, need to repay 20 years. Based on the above situation, it is not difficult to see that Mr. Zhang is the main economic pillar of the family. Once the risk has a huge impact on the family, the main responsibility and pressure are concentrated on raising children and repaying mortgages in the last 20 years. Supporting parents and so on, while at the same time not low, but the daily expenses are large, and the ability to pay is only moderate. In response to such a situation, we have designed the following schemes for the protection of severe illness: The whole family plan fully guarantees the risk of serious illness among three people in different periods. The total annual premium is 14185, which only accounts for 5.1% of the family year. The customer demand has saved money and reserved space for customers to choose other aspects of protection.