Critical illness insurance has evolved from a single claim at the beginning to multiple claims, additional claims before the age of 60, multiple claims for cancer, and so on.
Critical illness insurance premiums are more expensive than single claims. In many people's inherent impressions, cancer is considered to be an incurable disease, so is it necessary to pay multiple claims for cancer?
Let's take a look at the five-year survival rate for common cancers.
Under the current level of medicine, most stage I and II cancers have a high five-year survival rate, and some stage III cancers still have a high survival rate.
Therefore,Now the primary reason that plagues patients is no longer the problem of survival, but the problem of whether they have the financial ability to spend money and recuperate
Especially inThe first five years after diagnosisIt is the most critical period that determines whether the cancer can be successfully fought and life can be prolonged.
Therefore, it is very necessary to protect cancer multiple times, and it is recommended to choose it when applying for critical illness insurance.
However, the terms and conditions of different critical illness insurance products, cancer multiple times** are different, and you can choose like this
The shorter the interval between the second claim, the better, and the best one at the moment is 100% after the first cancer benefit is paid at the end of the three-year interval after the first cancer benefit, and % is paid separately for each full year after the first cancer claim. Only by shortening the interval can the odds of the second claim be greatly improved.
The cancer secondary benefit should indicate the new, metastatic and continuous cancer status at the time of the cancer, so as to cover the cancer secondary benefit in any case. A small number of critical illness insurance policies will miss a cancer state, burying a hidden danger for claims.
In most cases, the Cancer Multi-Claim Benefit comes as a rider, so make sure you make sure of both of the above when choosing.
Of course, insurance is only a way to transfer risks, in addition to maintaining good lifestyle habits, paying attention to diet and exerciseDon't forget to get screened for cancer, not all items of early screening are included in the general physical examination.
For example:Lung CT, gastroscopy, serological tumor marker examination, X-ray, B-ultrasoundIt is a common means of early screening.
Through early cancer screening, hidden dangers (such as polyps and nodules) can be found and solved in time, and even if cancer is found, it is often at an early stage, and the survival rate will be greatly improved!
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