In contemporary China, the insurance industry is developing rapidly, and insurance has become an indispensable part of every household. You must not only buy all insurance but also buy enough. I believe that many people often hear these three professional terms when they understand insurance: early payment, confirmed payment and post-reimbursement.
First of all, let’s talk about confirmed payment and advance payment. These two compensation methods generally appear in the terms of critical illness insurance. The so-called confirmed payment means that as long as the insured person’s diagnosis of one of the diseases listed in the insurance contract, regardless of whether it is treated or not, as long as the relevant confirmation materials (diagnosis, diagnosis records, cases, etc.) are presented, the insurance company can compensate. Confirmed payment is the essential attribute of most critical illness insurance products. What's going on with
in advance? Here are two situations:
attached to advance payment critical illness insurance
Generally, the critical illness insurance paid in advance is attached to the main insurance. When one of the diseases listed in the contract is confirmed, the customer can immediately apply to the company for "payment of insurance in advance" to take out part of the amount of the death insurance amount of the main insurance (usually life insurance) to the customer in advance. Correspondingly, your main insurance part must also be deducted from this amount. Speaking of this, you may think of another word, which is additional payment of critical illness insurance, which means that even if one of the types of diseases listed in the confirmed contract is one of the diseases listed in the contract, the customer will not affect the death benefit or maturity benefit after receiving the insurance. Therefore, "extra payment" is more attractive and convincing. Correspondingly, the premium of "extra payment" will be a little expensive.
2. The second connotation of early payment of mild symptoms
is early payment of mild symptoms and special diseases. During the insurance period, if a mild illness or a specific disease (surgery) is present in the contract, you can get a part of the critical illness insurance premium in advance for emergency treatment. Of course, the amount of your critical illness insurance will also decrease.
corresponds to it, which accounts for the vast majority of critical illness insurance, which does not contain mild or special disease protection. Obviously, serious illness insurance that is paid in advance with mild symptoms or special diseases is more worth buying. After all, no one knows whether the disease they have is big or small.
understands the meaning of early payment, and do you still think that "early payment" is so sacred, do you have to buy it?
After saying "pay in advance" and "confirmation payment", let's take a look at "post-reimbursement" (i.e. medical reimbursement). Therefore, the name Sini is one of the diseases listed in the insured's confirmed contract. The confirmed payment insurance compensation is paid to the customer. The customer takes this money to the hospital for treatment. After the treatment, he can apply for a claim from the company. The claims materials are case books, diagnosis records (surgery or hospitalization), medication lists, fee receipts, customer's ID card and insurance contract. After the salesperson collects information and submits it to the company for review, it can be done. As for the compensation payment (reimbursed according to the terms of the insurance contract)
In fact, you can find that through instant payment and subsequent reimbursement, you almost need to spend any money and also get a compensation payment. This compensation can be regarded as rehabilitation and loss of work in the next five years (five-year survival rate).
insurance is to give customers enough dignity and courage to face high medical expenses. Insurance can be used for a lifetime, but you cannot be unprepared for a day. I hope everyone can buy insurance and buy the right insurance!
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