For major illnesses, social security often can not meet the high cost of a family, in order to mitigate the risk, most people will choose to buy critical illness insurance to avoid the risk, to provide a protection for themselves and their families. Therefore, it is particularly important to pay attention to critical illness insurance and understand the importance of critical illness insurance. What are the good recommendations for critical illness insurance, I happen to organize the relevant content, I hope to help you: the top ten insurance companies "worth buying" the popular critical illness insurance inventory!

The importance of buying critical illness insurance

According to the 2012 China Health Statistics Yearbook published by the Ministry of Health, the incidence of major diseases has reached 72.18%, and with the rapid development of medical science, the rate of cure for critical illnesses is also getting higher and higher, such as thyroid cancer, which can reach 95%, early stage lung cancer, which reached 65%, and breast cancer, which reached 85%. For example, thyroid cancer can reach 95%, early stage lung cancer reaches 65%, and breast cancer reaches 85%. However, the high cost of treatment will crush the whole family, and with a critical illness insurance, you can have a high amount of medical expenses when it is critical, and there will be more hope for your life. Therefore, the importance of purchasing critical illness insurance is obvious.

With the diversification of insurance products in the insurance market, the face of a wide variety of critical illness products do not know where to choose, here I recommend a China Merchants Sino Sino Anxiang Kangjian critical illness insurance C paragraph, this product contains 105 diseases, 128% of the rate of return premiums, medical VIP exclusive channel. This insurance product protection age for 60 days of birth - 50 years old, which has the advantage of:

1, wide range of coverage, which contains 105 kinds of diseases

a, 65 kinds of critical illness: immediately after diagnosis, and social security without conflict;

b, 35 kinds of specific diseases: carcinoma in situ, early cirrhosis of the liver can be compensated for, do not have to wait until a serious illness claims;

c, 5 kinds of young children's critical illnesses, the number of children's critical illnesses is not enough, but it is not necessary to wait for a long time, the number of children's critical illnesses, the number of children's critical illnesses. p>c, 5 kinds of specific diseases for children: additional 5 kinds of children's diseases are included.

2, premium reduction opportunities, 100 kinds of diseases and death can be exempted from the premium

The policyholder 65 kinds of serious illnesses, death, or the insured person 35 kinds of early serious illnesses, minor illnesses, the remaining premiums are completely free of charge, the protection of the responsibility will not be affected in any way.

3. Sickness is paid out, no illness to enjoy the benefits

Maximum 128% of the actual premiums paid at maturity, even if there are claims for pediatrics and specific diseases, you can still enjoy the maturity survival benefits.

4. Sickness and accidents can be compensated:

If the insured person dies during the validity period of the insurance, it will be paid regardless of sickness or accident.

5, the payment of flexible protection long

Payment of 10 years can be covered for 20 years; you can also choose to pay 5, 10, 15, 20 years of protection to the age of 80.

6, the VIP exclusive access to medical treatment, serious illness housekeeper service more peace of mind

To provide customers with a complete solution for serious illnesses, from the moment of dialing into the customer service phone, that is, the service personnel to coordinate the arrangement of expert outpatient clinic treatment, stay in the hospital surgical treatment, and take the initiative to follow up on the needs of the claim.

This shows that the incidence of major diseases is very high, so it is particularly important to buy critical illness insurance, critical illness insurance can not only avoid the risk, in the event of a serious illness, but also to provide a family with a sum of money for treatment, to give life a more hope.

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Critical illness insurance claims data released,You buy the right insurance?

In recent times, the major insurance companies began to publish the 2016 insurance claims data, from these from these claims data we can find two points: one is that most of the claims are not enough coverage; secondly, the rapid settlement of claims has become the biggest highlight. By analyzing the annual claims data of 2016, we have comprehensively formulated the family protection reference from the morbidity group, claim amount, susceptible diseases and other segmented data, and put forward two major purchasing treasures such as "sufficient coverage" and "preferred critical illnesses" to solve the long-standing insurance product purchasing confusion of consumers. We also put forward two major purchasing strategies, such as "sufficient insurance coverage" and "preferred critical illness", to solve consumers' long-standing insurance product purchasing confusion. Insurance companies which is strong, I just happened to organize the relevant content, I hope to help you: the latest list! National top ten insurance company rankings

consumer critical illness insurance compared to return type critical illness insurance how to choose

consumer critical illness insurance is also pure consumption, does not have the savings or return function, and there are also products have no cash value, only used to protect the risk, the premiums only in the event of a claim to reflect the value of the premiums did not occur claims The premiums will only reflect the value when a claim is made, and without a claim, all the premiums have been "consumed". On the other hand, a refundable critical illness insurance policy is the opposite of a refundable insurance policy. How do you choose between a consumer critical illness insurance policy and a refundable critical illness insurance policy? Next you will follow me to get a good understanding of it!