Autumn and Winter Check-in Challenge
If you are seriously ill, how can you help yourself?
There is only one disease in this world, the disease of poverty. This is a classic line from the movie "I Am Not the God of Medicine". This sentence is easy to touch emotions and trigger heated discussions. What I want to ask you is: what exactly does this sentence express?My understanding is: with the advancement of medical level, more and more incurable diseases can be alleviated or even **, and diseases are no longer terrible, but only if you have money. Solving the problem of money is the key.
When faced with difficulties and setbacks, emotional expression is only the first step, and we must disassemble it into rational analysis. Only in this way will it be possible to find the key to solving the puzzle, otherwise you will fall into emotional descriptions and end up with nothing changing. This is true for the elderly, and the same is true for the face of "poor diseases". So what do we do?
The method is simple, either you use your own money or you use someone else's money. The so-called "other people's money" here is the reimbursement of the insurance company.
To defend against common diseases, we can turn to social medical insurance for everyday ailments such as headache and brain fever, or for simple surgery or short-term hospitalization (such as appendicitis or lower leg fracture), which can largely solve our anxiety about medical expenses. But once it rises to serious diseases - such as cancer, cardiovascular and cerebrovascular surgery, ICU**, etc. - medical insurance will be a little inadequate. At this time, we need to seek two saviors: critical illness insurance and hospitalization medical insurance.
The value of hospitalization medical insurance has been introduced in "Preventing Poverty Due to Illness: Medical Inflation**", so I will not repeat it here. Let's focus on critical illness insurance.
What kind of disease can be called a major disease?This is not a casual remark by insurance companies, but a regulation by the China Banking and Insurance Regulatory Commission, which is judged according to the definition of critical illness promulgated by **.
More important than money: whether it meets the definition of critical illness. Looking at the world, we have done the best job in standardizing the definition of critical illness insurance. In fact, only the UK has unified the classification of critical illness insurance. A handful of countries such as Singapore and Malaysia.
Critical illness can generally be divided into three conditions.
The first is to meet the criteria for a certain disease, which is equivalent to a diagnosis, such as a malignant tumor.
The second is because of a certain disease, such as heart valve surgery and major organ transplantation.
The third is that a certain state will last permanently, such as the sequelae of stroke.
Imagine a child suffering from leukemia who needs to be a long-term **, a middle-aged person in the workplace who has a sudden stroke and is unable to take care of himself in the subsequent life, if you can provide a one-time financial assistance of hundreds of thousands of yuan or even one million yuan, it can definitely be called a charcoal in the snow.
Some people will ask, "If I don't have a serious illness in my life, won't this premium be paid in vain?""To solve this problem, critical illness insurance offers three solutions.
First, you can tick the death liability. If you have not had a critical illness in your life, and eventually died due to reasons other than critical illness (such as accident, sudden death from heart attack, etc.), you can still get the claim payment, and this critical illness insurance is not bought for nothing.
Second, the new liabilities are mild and moderate liabilities. For example, carcinoma in situ, as an early stage of cancer, carcinoma in situ is relatively easy to **, and it is a mild disease. Although I am glad that I found it early and ** early, I didn't get compensation from the insurance company, and I was unwilling. It doesn't matter, the insurance company pays you. What is the Critical Illness Sum Insured?100,000 yuan?Okay, you will be compensated 30,000 yuan for mild illness and 50,000 yuan for moderate disease.
Thirdly, critical illness insurance can be surrendered at any time to get back a sum of cash value. The higher the cash value, the higher the premium you need to pay, and the wool comes from the sheep, which is easy to understand.
Having said that, I have to emphasize that the most important consideration when buying critical illness insurance is that the sum insured is sufficient. Just like when we go to McDonald's, the staple food is always the most important, in a Big Mac**, the hungriest is the double-layer beef burger. The sum insured of critical illness insurance must not be less than 3-4 times the annual income of the individual, so that critical illness insurance can provide adequate income compensation.