is written in the first place:
1 Breast cancer patients have suffered misfortune. When taking out relapse insurance, they should pay more attention to the regularization of the entire underwriting process: What information should be provided? Is there any record of the underwriting process that can be retained?
The current breast cancer recurrence insurance is all reviewed in a single manner. Unlike other insurances, the underwriting record of breast cancer recurrence insurance will not be left in the policy . What information is needed for insured
?
hard data:
- Postoperative pathological report + immunohistochemistry + (the one time of the surgery) discharge record
- If there are multiple surgeries,
- If there are more than half a year after the operation/re-examination is present, a re-examination report (image, tumor marker , etc.)
Personalized data:
- If there are neoadjuvant treatment, imaging data before neoadjuvant
Personalized data:
- If there is neoadjuvant treatment, imaging data before neoadjuvant
- , such as immunohistochemistry her2 (2+), FISH gene detection monomer
- , if there are other nodules , lumps, such as lung nodules, breast nodules , thyroid nodules , etc., relevant examination sheets are required, and try to provide two times before and after to confirm that the nodules are stable
- , if there is a pathological consultation, the consultation pathology report is required
- , If treatment has begun after the operation, try to provide the latest treatment discharge record or treatment plan text description
, will you ask for so much information at one time when doing business?
does not. Generally, as long as the pathology + discharge record + review
If the discharge record contains "XX nodules, etc.", then look for the client to
If it does not write, you should also take the initiative to ask the client "Is there any other nodules, polyps, lumps, etc. on your body?"
Because the last sentence in the health notification is relatively wide killing: after the operation to the time of insured, it is suspected to be recurrence or distant metastasis (no history of recurrence)
All kinds of nodules on the body will be planted. You say it is just an ordinary nodule, and you do not have puncture biopsy , which cannot be proved, so you can only hand it over to the insurance company for review and judgment.
Lactory Love (reimbursement type)
Underwriting company: Fosun United Health
Product name: Lactory Love Medical Insurance
One year insurance, and you will be paid for it if you don’t pay the insurance money.
Confirmed recurrence and transfer or product consent to be suspended for sale, no renewal of insurance
From the date of confirmed recurrence and transfer, 360 days of related medical expenses (30 days before and after hospitalization, special outpatient clinics)
12 guarantee plans
12 guarantee plans
Although there are 12 guarantee plans, the 1.5 million insurance amount of Plan 3 cannot be used up within 360 days after the confirmed recurrence and transfer, and the premium is very expensive, so it can be automatically ignored
0 The 100,000 yuan insurance amount of plan 1 can only cover the social security expenses, the amount is low, suitable for people with tight budgets
Plan 2 400,000 yuan insurance amount, including the social security expenses and the specific drug costs outside the hospital, is the most selected plan.
40 years old, plan 2, first insurance (90-day waiting period), and no neoadjuvant treatment before surgery as an example
- 1 stage Luminal A Premium: 3811 yuan
- 2 Luminal A Premium: 5895 yuan
- 1 Luminal B her2 negative Premium: 4262 yuan
- 2 Luminal B her2 negative Premium: 6541 yuan
- 1 Luminal B her2 positive Premium: 4235 yuan
- 2 Luminal B her2 positive Premium: 6561 yuan
- 1 her2 overexpression type Premium: 4799 yuan
- 2 period her2 overexpression type Premium: 7389 yuan
- 1 period three negative Premium: 7636 yuan
- 2 period three negative Premium: 11787 yuan
renewal without a 90-day waiting period, renewal premium is about 1.17 times the new insurance
renewal can reduce the plan, but improving the plan requires re-underwriting, re-insurance, and re-passing the 90-day waiting period
We can see that although Luminal is distinguished The Her2 indicator of Type B, but the premium is actually almost the same, so Luminal B Patients with her2 negative should not think that it is not cost-effective to use special medicines outside the second hospital. In fact, when designing the premium, it is designed to design the special medicines outside the hospital.
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does not distinguish between the 1st and 2nd period rates
This product is relatively simple, there is nothing to say, it is nothing more than the end of the claim after the recurrence and transfer of the confirmed case, and the insurance is not renewable.
How to insure: Let customers rest assured to insure
The process is basically the same
Receive information
Send an email to verify insurance (you can copy a copy to the customer's email at this time)
Underwriting cannot be guaranteed, and the insurance is abandoned or supplementary information is re-underwriting
Underwriting is passed, and the correct installment and typing indicators are clarified when applying for insurance
Print paper Insurance policy Fill in
Express information underwriting
FAQ: Choose a compensation type or a reimbursement type?
A: Send the information first and submit it to the forgoing, and then talk about
Q: Choose a compensation type or a reimbursement type?
A: If there is a million medical treatment that can reimburse the breast cancer expenses normally, you can only consider the compensation type.
Q: Choose a compensation type or a reimbursement type?
A: You can choose both, and the two can be paid in combination, without conflict with each other
Q: Choose a compensation type or a reimbursement type?
A: It would be better to choose the compensation type for the second period. After all, the compensation type does not distinguish between the 1st period and the 2nd period
Q: Choose the compensation type or the reimbursement type?
A: If you think the recurrence costs will not be very high in the future, you can consider the compensation type + reimbursement type of 100,000 yuan in insurance. It will not be possible to use up even the 100,000 yuan medical insurance amount within 360 days after the confirmed recurrence and transfer, right?
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