There are four problems with using critical illness insurance to solve medical expenses:Unreliable, can't afford to wait, not enough to spend, **expensive!
1. How can it be unreliable?
What do you consider a critical illness?Does it have to be a critical illness if you spend a lot of money?
Do you think stroke is a serious disease?There are a few cases of stroke I claimed, and their out-of-pocket expenses are about 3 to 220,000 yuan, and the cost seems to be quite different, but the results are the same, their conditions are not considered critical illnesses, and critical illness insurance does not pay.
Why do you think that if you have a serious stroke, the critical illness insurance will not be compensated?Because after they have gone through **, they have recovered well and are working normally in their normal lives. In critical illness insurance, the disease of stroke is compensated for the sequelae caused by the disease, not the disease itself. After a stroke, a positive **, good recovery, and the ability to take care of oneself are not covered by stroke. Only when serious sequelae occur and make it impossible to take care of oneself is covered by critical illness insurance.
Regarding the claim for the disease of stroke, I have specially talked about it, and if you want to know, you can take a look.
The purpose of talking about this illness here is to tell you that not all diseases that we think are serious can be covered by critical illness insurance, and if you buy critical illness insurance to cover the medical expenses of these diseases that we think are critical illnesses, it may allow youUnreliable.
2. Why can't you afford to wait?
If all diseases of critical illness insurance are diagnosed and paid, then at least the diseases within the scope of coverage can be used to solve medical expenses, but everyone should pay attention to the use of critical illness, and the diseases covered by critical illness insurance: diseases, disease states, and surgeries. To put it simply, it is the disease itself that has to be insured;Some are insured by the disease reaching a certain level or causing any consequences;Some insurance covers surgery, and you can only pay after the surgery.
Or take a stroke as an example, the terms stipulate that after a stroke, it is necessary to actively ** 180 days later to see if there are any sequelae, and only when the sequelae specified in the terms can the claim be claimed, which is equivalent to the treatment is completed, and then see if the situation loses money. There are also coronary artery bypass grafting, organ transplant surgery, etc., which pay for surgery and lose money after surgery. Obviously, these people who need to lose money after ** or need surgery to pay money, want to use critical illness insurance claims to solve their medical expenses, it is impossible, can't afford to wait!
3. How can it not be enough to spend?
Can we know what diseases we have in this life?How much does it cost?No one can know, don't know what disease will be, and don't know how much it will cost, because even if the same disease and different ** plans, the cost is different, so if you use critical illness insurance to solve medical expenses, how much insurance should you buy?Not sure.
Nowadays, many people's critical illness insurance amount does not exceed 300,000, and if a critical illness really occurs, the 300,000 yuan will be compensated, which will not only be used to solve medical expenses, but also to solve all the expenses of the family, not to mention particularly serious diseases, and 300,000 yuan for general diseases will not last long.
The fourth question, **expensive
For 30-year-old people, if you use medical insurance to solve medical expenses, the annual premium is about 800, and the amount that can be reimbursed in a year can reach millions or even millions, but even if you buy a one-year consumption-based critical illness insurance, a critical illness of 500,000 yuan will also need more than 1,000 yuan.
Therefore, to solve medical expenses, medical insurance is more suitable for major illness insurance. For the allocation of personal protection, medical insurance and critical illness insurance are complementary relationships, and medical care and critical illness should be indispensable in order to provide comprehensive protection.
After the occurrence of illness, how can I tell if my illness is not covered by the claim?What are the precautions for disease claims, click the link below to learn the key points of claim Xi 28 critical illnesses