Therefore, in the face of menacing cancer, we should not only pay attention to our living habits, but also have the ability to transfer risks. For cancer patients, enough money can help them win the battle against cancer. Commercial insurance can play a good supplementary role, especially critical illness insurance. Once diagnosed, according to the contract, you can get an insurance premium. How to use this money depends on the patients themselves. One thing is certain, this money can greatly ease their economic pressure. Let's talk about cancer insurance first. The main contents are:
1, what is the insurance for cancer?
2. What is cancer prevention insurance?
3. What kinds of anti-cancer insurance are there?
4. How to get a good deal?
1. What are the insurances for cancer protection?
1, social security
Social security, as a national welfare, can reimburse some expenses for the treatment of major diseases. However, the items and drugs that can be reimbursed are limited, and many cancer treatment items cannot be reimbursed.
2, cancer insurance and cancer medical insurance
Anti-cancer insurance and anti-cancer medical insurance are mainly aimed at cancer, and many drugs and treatment items for cancer can be reimbursed, which is a supplement to medical insurance. And the requirements for health information are relatively low.
3. critical illness insurance
Critical illness insurance covers 28 major diseases, including cancer. As a kind of critical illness insurance, as long as it meets the payment conditions, the insured can get insurance money to pay for cancer treatment.
4. Medical insurance
Medical insurance generally does not limit diseases, and all support cancer treatment projects and a certain proportion of hospitalization expenses. Of course, the coverage of different medical insurance is different.
Second, what is the cancer prevention insurance?
Cancer insurance is an insurance with cancer as the payment standard. It is equivalent to only covering the critical illness insurance of cancer. However, the coverage of cancer insurance is narrower than other medical insurance, and it does not conflict with critical illness insurance. After suffering from cancer, you can get a one-time insurance amount to make up for income loss, rehabilitation expenses, nutrition expenses, etc.
3. What kinds of anti-cancer insurance are there?
From the protection period, it is divided into short-term and long-term cancer prevention insurance:
1, short-term cancer insurance
Short-term cancer insurance only covers one year, and the protection period is short. Look at the terms of renewal after the expiration. Relatively cost-effective, relatively cheap, and relatively less strict health notification.
2. Long-term cancer prevention insurance
Long-term cancer prevention insurance is a one-time insurance, and it is a multi-year payment. Usually the guarantee period is decades or life. Generally, it is paid, and the premium may be higher.
From the perspective of security, it can be divided into consumption type and return type:
1, payment type
Consumer cancer insurance is somewhat similar to the weakened version of critical illness insurance, with only pure protection and no dividends. After getting cancer, the insurance company paid the insured amount in one lump sum.
2. Reimbursement type
Reimbursement cancer insurance is similar to a weakened version of million-dollar medical insurance. The insurance company will reimburse the medical expenses caused by cancer, and how much will it cost? Often the insurance coverage will be higher.
Fourth, how to buy a good deal?
Undoubtedly, the first thing to buy is the national social security. As a major welfare, it is the cheapest and most basic guarantee for everyone. The second thing to consider is critical illness insurance. Critical illness insurance covers 28 major diseases, including cancer. As a kind of insurance specifically for major diseases, the coverage is wider. Of course, the next thing to consider is cancer prevention insurance and cancer prevention medical insurance. These two kinds of insurance are mainly aimed at cancer, and many drugs and treatments for cancer can be reimbursed, which is a supplement to medical insurance. And the requirements for health information are relatively low.
Fifth, write it at the end.
Although cancer is terrible, it often makes a person fall down and even a family fall apart. We can not only improve our physical fitness through healthy living habits and active exercise, but also avoid the possibility of getting cancer. Moreover, risks can be transferred by purchasing insurance that can report cancer, which can bring support and hope to policyholders and their families when risks come.