At present, there are many kinds of critical illness insurance to choose from. There are more than 30 insurance companies in Beijing, and almost every one has corresponding critical illness products. Different from foreign countries, under the supervision of the China Insurance Regulatory Commission, the insurance liabilities and rates of domestic critical illness insurance products will not be much different, and the range of diseases covered ranges from 10 to 278. Consumers are advised to consider the following aspects when taking out insurance.
Their own physiological characteristics
Because there is not much difference in the terms design of the same type of critical illness insurance, consumers should first choose according to their own physiological characteristics. For example, men and women have different physiological structures and different susceptibility to diseases. For example, systemic lupus erythematosus is more common in women aged 15-40, and its complication lupus nephritis will affect and damage renal function. For example, rheumatoid arthritis and malignant hydatidiform mole are also women-specific diseases, but the general critical illness insurance does not include these two diseases. Therefore, when purchasing critical illness insurance, female consumers should consider the critical illness insurance specially designed for women, such as Ping An additional regular critical illness insurance for women. Moreover, some women's health insurance also provides medical protection for some common diseases of women, such as osteoporosis, urinary incontinence surgery, female cancer in situ, accidental plastic surgery and so on.
Similarly, aplastic anemia, bacterial encephalomyelitis and Kawasaki disease are all high-risk diseases of children, which are usually only listed in children's critical illness insurance products, such as Taikang supplementary children's specific disease insurance and AIA supplementary children's critical illness insurance. However, the common diseases such as myocardial infarction and stroke in general critical illness insurance have a very small probability of children getting sick. When buying critical illness insurance for their children, parents should choose insurance products specially designed for their children to avoid wasting money.
Economic affordability
At present, a standard critical illness insurance on the market is more expensive. For example, a 30-year-old man who bought 200,000 yuan of critical illness life insurance generally has to pay about 7,500 yuan of premium every year, and the total premium is about 1.5 million yuan. However, if you choose term insurance (the guarantee time can be 10 or 20 years) or additional insurance, it is relatively cheap. For example, a 30-year-old woman who buys 654.38+10,000 yuan of regular critical illness insurance for Ping An women only needs to pay 530 yuan's premium every year.
In addition, consumers can also choose some special risks. In view of the high incidence of cancer diseases and the main causes of death, many insurance companies have launched anti-cancer insurance specifically for cancer protection, such as AIA anti-cancer insurance and Taikang additional anti-cancer insurance sold at bank counters, with relatively low premiums. After suffering from cancer, consumers can not only get cancer insurance money, but also compensate part of the surgical medical expenses.
There are also some insurance companies that package and sell critical illness insurance and dividend insurance. For example, Ping An's "evergreen tree" protection plan requires consumers to pay tens of thousands more premiums, but may get some income through dividends accordingly.
Service situation
When consumers choose critical illness insurance, they should also consider the service quality of insurance companies and the professionalism of salesmen. The service situation of insurance companies after insurance can be investigated from the aspects of claim settlement, renewal premium payment and policy preservation change. Consumers can communicate with insurance companies more before taking out insurance, and understand the regulations of various insurance companies in these aspects.
On the other hand, the degree of specialization of salesmen will also affect the quality of insurance policies. Consumers should check whether the salesman has introduced the insurance clauses and claims in detail, and don't easily believe the salesman's one-sided words to avoid being misled by individual salesmen.
Read the terms carefully
Consumers should read the terms carefully before purchasing critical illness insurance, fulfill the obligation of telling the truth, and avoid being refused compensation because they don't understand the terms when making claims. For example, the provisions stipulate that skin cancer other than non-invasive carcinoma in situ and malignant melanoma does not fall within the scope of compensation, and consumers must find out the meaning of carcinoma in situ when they apply for insurance. Cancer in situ generally refers to the squamous epithelium of mucosa or skin epidermis, and the basement membrane has not been destroyed, such as carcinoma in situ of cervix, esophagus and skin. Cancer in situ belongs to the early stage, and most patients can fully recover after surgery and Chinese medicine treatment. Obviously, it is neither "heavy" nor "big". The so-called "not serious enough" means that cancer in situ is not a very serious disease and is usually not life-threatening. The so-called "not big enough" means that the treatment of cancer in situ is not complicated, similar to the treatment of normal benign tumors, not major surgery, and the treatment cost is not high. Therefore, most of China's critical illness insurance clauses exclude cancer in situ from insurance liability. Consumers should make clear the meaning of these proper terms before buying, so as to avoid trouble when making claims in the future.