Before buying insurance, many friends will worry about two questions: Can be compensated? Is the compensation fast?
So Dabai launched a free claim assistance service - Xiaoma Claims. will bring the weekly claims report from September 5 to September 11, 2022 for your reference.
insurance is the same. The result is very different from whoever you buy it. For Dabai, insurance is just the beginning of the service, not the end.
01 Claim details
In the past week, Xiaoma assisted in claiming 1,530 cases, with a total amount of 12.73 million yuan.
Among them, the largest single compensation is 1.5 million yuan, which is the child's confirmed leukemia serious illness and was in danger.
02 Dabai comments
The claim case brought to you this week is a case of critical illness insurance accident.
5-year-old Mr. Li went to the hospital for examination due to heartache, and was diagnosed with myocardial infarction . Then performed coronary stent implantation surgery in . The two critical illness insurance purchased by
totaled a total compensation of 750,000 yuan.
In fact, in addition to malignant tumors, myocardial infarction is a very high-incidence serious disease.
According to the "National Health Education Book for Preventing Major Diseases",
Take (40-59 years old) as an example. The highest serious diseases are malignant tumors, acute myocardial infarction, and sequelae of cerebral stroke, which together account for about 78%.
The 2022 semi-annual claims reports of major insurance companies also prove this.
Generally speaking, acute myocardial infarction generally manifests as more serious angina symptoms:
- chest pain :
attacks can be induced by physical activity, emotional excitement (angry, anxiety, excessive excitement, etc.), and the pain nature is not sharp (that is, it does not feel pain like needle pricking or knife cutting), and is usually in the posterior sternum, pre-cardiac area, etc.
The pain usually lasts for a long time, usually more than 20 minutes, and the chest pain cannot be relieved after rest.
Sometimes accompanied by pain in the left arm, neck, and upper abdomen. During the attack, there are pale complexion and damp and cold skin.
- Palpitations :
The heartbeat is faster or the rhythm is irregular.
- Nausea and tired.
- dyspnea:
- Patients usually complain of tight breath and poor breathing.
- Sweat:
usually manifests as excessive sweating.
- Dirty:
usually manifests as groggy. In severe cases, fainting may occur, that is, the patient suddenly faints, loses consciousness, and refuses to respond.
is often associated with arrhythmia caused by myocardial infarction . Elderly patients may experience confusion.
- fever:
can develop fever 24 to 48 hours after pain, usually 38 degrees Celsius, the degree is positively correlated with the range of infarction, but it rarely exceeds 39 degrees Celsius and can last for 1 week.
- shock or sudden death:
- Some patients may have black eyes, loss of consciousness, difficulty breathing or sudden death.
If symptoms of suspected acute myocardial infarction occur, you must seek medical treatment immediately. Once diagnosed, thrombolysis or interventional treatment of can significantly improve the prognosis of the disease.
In addition, in order to deal with the risk of cardiovascular disease, in addition to paying more attention to daily life and diet, you can also configure insurance protection products in advance.
such as "acute myocardial infarction, coronary artery bypass surgery, heart valve surgery, aortic surgery and other cardiovascular diseases or surgeries" are all within the scope of critical illness insurance.
Mr. Li in this case today, the actual medical expenses of are tens of thousands of yuan, and the 750,000 yuan paid by critical illness insurance can meet his long-term medication and rehabilitation treatment in the future.
Because of this illness and hospitalization, Mr. Li truly felt the significance and value of insurance. I quickly configured my wife and daughter with critical illness insurance, medical insurance, and accident insurance.
Perhaps, this is the meaning of insurance:
The years are quiet and you will spend time with you; the wind and rain suddenly change, shelter you from wind and rain.
In fact, the size and popularity of an insurance company are not as important as we imagined to make claims.
Because after turning on the Insurance Law, no matter what size of insurance companies, the time limit for claims is guaranteed by "30, 10, 3, 60" .
Find the right professional platform and insurance consultant, understand the product protection content and claims conditions, and make health notifications steadily. This is the key to our smooth claims settlement.
About Dabai
Dabai is independent of the third-party platform of insurance companies, providing professional insurance popularization and evaluation
insists on explaining insurance in plain language, so that everyone can buy insurance without spending money in vain.
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