As of February 1, 2022, a total of 73 life insurance companies have announced claims reports for 2021. Brother Bao has listed the report links below for everyone’s convenience.

As of February 1, 2022, a total of 73 life insurance companies have announced claims reports for 2021.

Brother Bao has listed the report links below for everyone’s convenience.

However, the critical illness insurance claims data of many new companies far exceed the average compensation amount of the six major companies. The average compensation amount per case is more than 150,000 yuan, especially Three Gorges Life Insurance, which reached 315,700 yuan.

Due to the delayed nature of critical illness insurance compensation, the current compensation data may reflect the policy situation a few years ago or even more than ten years ago. Because traditional large companies have been in business for a long time, critical illness insurance policies issued many years ago generally have low coverage amounts.

In recent years, with the rise of Internet insurance , new companies have been able to "overtake others around the corner" and developed many cost-effective critical illness insurance products, which has greatly increased the critical illness insurance coverage for new users. This is also an obvious response. On the compensation data.

2. Cancer compensation accounts for more than 70% of critical illness insurance

Among the compensation of critical illness insurance, [malignant tumor], [acute myocardial infarction], [ stroke sequelae] have always occupied the compensation of critical illness insurance The top three in the rankings, especially malignant tumors, account for 70% of critical illness compensation.

Due to the advancement of medical technology, the early detection rate of cancer has continued to increase, resulting in a rapid increase in the proportion of malignant tumors, reaching nearly 80% in some companies.

Cancers that are more common in men: lung cancer, thyroid cancer, intestinal cancer

Cancers that are more common in women: thyroid cancer, breast cancer, , lung cancer

3. Critical illness insurance compensation, gender differences are obvious

is among the top three critical illness insurance claims In this data, malignant tumors show the characteristics of "higher in women and lower in men", and the compensation data for women is 1.5 times that of men.

In terms of cardiovascular and cerebrovascular diseases , it is obvious that "men are higher and women are lower", and the compensation data for men is many times higher than that for women.

Smoking, drinking, and increased work pressure are all important factors that induce cardiovascular and cerebrovascular diseases in men.

Summary

73 The 2021 annual claims reports released by 173 life insurance companies still continue to have two characteristics:

. The claim settlement ratio of each company is generally above 98%, and insurance claims are actually "not difficult."

. Although the types of illnesses covered by critical illness insurance remain unchanged, the age at risk is getting younger.

html People aged 146-59 are still the main recipients of critical illness insurance compensation, but the compensation data for people aged 26-45 has been increasing year by year.

. Thyroid cancer is still the number one disease covered by critical illness insurance.

The "new standards for critical illness" that will be implemented on February 1, 2021 have not yet been reflected in claims in 2021. In the mainstream "old critical illness insurance", thyroid cancer is still paid as a critical illness.

However, for critical illness insurance policies insured after February 1, 2021, the vast majority of thyroid cancers will be compensated as minor illnesses, which will inevitably affect the compensation data of critical illness insurance in the future.