Hello everyone, how is the Spring Festival holiday?
Originally, I planned to take advantage of the holiday to completely abandon insurance and sit under the banyan tree at the entrance of the village to talk about gossip, but I didn't expect to end up becoming a voluntary insurance propagandist.
Will it be unsafe to buy insurance online?It just so happens that our snail's 2023 claims report has just been released, and today we will reveal to you the things about insurance claims through the money lost by these real gold **!I haven't heard of the insurance company you recommended, will it not lose money?
This company doesn't have an outlet in our country, will there be a problem?
In 2023, we assisted 6,000+ families to receive 9,71970,000 yuan, the success rate of claims is 985%, the fastest claim will arrive in just 10 minutes.
We also compared the claims annual reports of more than 50 insurance companies, and in the first 11 months of 2023, we paid 17 trillion, with an average odds of more than 98%.
In other words, more than 98% of people can get the claim money when they apply for a claimThis is not a loss, and it is a small probability event that is not compensated
In general,The hardest hit areas that were denied claims were those who did not inform themselves of their health at the time of insurance.
Therefore, before buying insurance, you must carefully read the questionnaire, sort out the medical history, and answer truthfully.
Another reason for the rejection of claims (which is also the hardest hit area of snail customers' rejections) is that the content of the claim application falls within the scope of exemption, or does not meet the claim criteria.
For example, the out-of-pocket part of the medical insurance does not exceed the deductible, the outpatient insurance goes to the TCM department, and the pre-existing conditions also run to apply for claims, etc.
In addition, this year's claims annual reports also emphasize the speed of claims settlement (and so do we), which is indeed the data that has the most impact on the user's claims experience.
As you can see from the data,The claim settlement time of each insurance company is basically within 2 days, and many small claims have simplified the process and made it faster.
At this time, some friends may say that the arrival time when they apply for a claim is far more than 2 days.
This is mainly stuck in the preparation of claim information, once the missing needs to be submitted, it will take a long time to come and go, so it is recommendedUsers who have insured with Snail can find us before applying for a claim, so that they can get compensation more efficiently and smoothly
In this section, we can start with two extreme data, 2% of the number of claims for critical illness insurance leverages nearly 70% of the claim amount, and 64% of the claims for outpatient insurance correspond to less than 1% of the claim amount.
These two types of products are:Typical representatives of low-frequency high-amount and high-frequency low-rateI don't need to say more about the importance of it, you can choose according to your actual needs.
Compared with the previous claims annual reports, we found that the risk of death from 23-year accident insurance is much higher than death from illness.
Although both accident and life insurance provide death benefits, the scope of coverage is different.
Accident insurance will only pay for the death of a disability that meets the four criteria of external, sudden, unintentional and non-disease at the same time.
In life insurance, no matter what the cause of death and total disability, as long as the agreed claim conditions are met, you will be paid.
We have met some friends before, there is always a fluke mentality, thinking that accidents will not happen to them, and the identification of accidental death is more complicated, so I feel that there is no need for accident insurance and simply do not buy it.
But forgot,Once an accident happens, it is 100%, and this two hundred dollars must not be saved!
Every year, the claims data of every insurance company is saying that serious illnesses are getting younger, which really doesn't lie to everyone.
More than 60% of snail users are at the age of 31-40, and the rest are concentrated in the age of 41-50.
Both of these age groups are the heaviest moments of family responsibilityOnce it falls, it will be a devastating blow to the family, so it is better to buy it as soon as possible and in full.
From the perspective of diseases, although cancer is the most common critical illness, there will still be certain differences between different ages and genders, so when choosing critical illness insuranceMen focus on preventing cardiovascular and cerebrovascular diseases, women pay more attention to cancer risk, children pay attention to leukemia protection, and mild cases must include carcinoma in situ.
In daily life, regular physical examinations are requiredEarly prevention, early detection, early **It is the key to cancer prevention.
In addition to serious illnesses, the risk of illness is different for different age groups, and you can choose different types of medical insurance according to the main risks.
Due to poor immunity, minors have a higher incidence of respiratory tract infections, so they can arrange a small amount of hospitalization or outpatient insurance, and there will be more opportunities to use it on a daily basis.
After adulthood,In general, the severity of the disease increases with age, especially after the age of 40, malignant tumors and cardiovascular and cerebrovascular diseases begin to appear, the risk is high, and the cost is also high.
At this point, the important information in the claims annual report has been explained to everyone.
Looking back on the claims I have participated in in the past year, I can't help but think about how many families have been supported behind this amount of claims.
And the data year after year should not be a mere formality, but really let everyone understand insurance, help everyone buy insurance, and use insurance when misfortune strikes one day in the future.
Therefore, in 2024, please continue to give more advice, and Snail will continue to improve its service and professional capabilities, and strive to be the most solid backing for all users on the road to claims.
Finally, attach the full text of the claim report for complete information.
I'm a snail-kun, so you can buy the right insurance and spend less money.
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