In the past two months, various insurance companies have successively released their claims data reports for the first half of the year. Currently, we have compiled the first half of the year's claims report from 36 companies and share it with you.

In the past two months, various insurance companies have successively released their claims data reports for the first half of the year.

Currently, we have compiled the first half of the year claims reports of 36 companies and share them with you.

6 insurance companies' claims overview in the first half of the year

What everyone is most concerned about when buying insurance is the issue of claims. Speaking with data, it mainly depends on the claims and the time limit for claims. Most insurance companies have relatively fast claims. Whether

can get the claim as expected after the accident occurs is critical.

About odds: Taikang Pension and Everbright Yongming's odds are all above 99%. For example, , Great Wall Life , Caixin Life, etc., which may be relatively low-key, are all above 98%, and the rejection of compensation is basically within 2%.

Among the companies that publish data, Dongwu Life Insurance , and Tai Life Insurance have the lowest odds, 96.16% and 96.62% respectively. However, some companies have not released specific claims data, whether it is high or low, it is still unclear.

About claims settlement time: Insurance companies are actually actively improving claims efficiency. Most cases support online claims. Small cases directly upload information and apply online. For example, Hezhong Life Insurance and Love Life Insurance , you lost money in less than half a day, and those with a little slower will be within 2 days.

However, these are average data, involving some complex cases, which may occur in about a week. In fact, as long as the terms and conditions are met, you can basically compensate. If you don’t compensate maliciously or make a fool of yourself, you will smash your signature. The security guard can still clearly understand this.

As a consumer, it is more important to understand product protection and make health clear.

The disease types in critical illness claims

Insurance companies' critical illness claims TOP 3, Malignant tumors, A acute myocardial infarction , sequelae of cerebral stroke.

Among them, cancer exceeds more than 50%, and the cancer claims data of some companies even exceeds 90%, which is really scary.

Source: 2021 Ping An Life Insurance Claims Semi-Annual Report

Source: 2021 Everbright Yongming Claims Semi-Annual Report

Buy critical illness insurance , pay special attention to the protection of high-incidence diseases, the more you can compensate, the better .

Some products can receive additional compensation for high-incidence diseases such as cancer. When encountering such products, you can appropriately superimpose cancer protection and get a higher insurance amount.

thyroid cancer is a severely affected area of ​​cancer

According to the data released by the Insurance Company, thyroid cancer accounts for the highest proportion of cancer claims in most insurance companies.

Source: 2021 Everbright Yongming Claim Semi-Annual Report

Source: 2021 Taikang Pension Claim Semi-Annual Report

Other high-incidence cancers include:

Men: lung cancer, intestinal cancer, liver cancer , etc.;

Female: Breast cancer , uterine cancer, cervical cancer , etc.;

critical illness compensation amount is low

Ministry life insurance major illness insurance payment amount is 78,800 yuan, and more than half of the critical illness compensation amount is less than 100,000 yuan.

and the familiar Ping An Life , which accounts for as high as 69% of the critical illness compensation of less than 100,000 yuan.

suffers from a serious illness, and it really can't do anything for tens of thousands of yuan.

Generally, the treatment time for major diseases is very long, and rehabilitation and nursing are very expensive. The higher the insurance amount for critical illness, the better, and the more money you get. For example, the average treatment cost for cancer is 200,000-500,000 yuan. For several major types of serious diseases, the single operation cost may be 300,000 to 500,000 yuan.

The three types of serious diseases mentioned above, malignant tumors, sequelae of cerebral stroke, and acute myocardial infarction, all of which are often cost 200,000 to 300,000 yuan. According to the current claim amount, it is far from the bottom-line guarantee.

If you include daily living expenses, income losses and other expenses during the illness period, it is recommended to have a critical illness insurance amount of 300,000 yuan as the base, starting with 500,000 yuan, and try to make a high insurance amount as much as possible.

The age for serious illness is concentrated in the age of 41-60

At this age, there are old people and young people, and they have not yet stepped down to retire. The family pressure is still very heavy. Once you unfortunately suffer from a serious illness, it may be a devastating blow to the family.

Critical Illness Insurance can be bought early, buy early, and when you are young and healthy, there are more cost-effective products to choose from, and the premiums can be cheaper.

Medical insurance The maximum compensation cases for compensation

This is easy to understand, and it is also mainly because the penetration rate of millions of medical care has been getting higher and higher in recent years, and basically everyone has one. Moreover, medical insurance is a supplement to medical insurance and can compensate for the expenses that medical insurance cannot be reimbursed. Compared with other insurance types, it is used more frequently.

Cause of death and illness accounts for the majority

Judging from the claims data, the proportion of illness and death is much higher than accidental deaths.

This also reflects the importance of term life insurance : accident insurance can protect death, but accidents can only protect accident death; medical insurance does not protect death liability; critical illness insurance generally does not contain death liability, and in critical illness insurance that includes death liability, compensation for serious illness and death can only be chosen one.

This is also the reason why I suggest that everyone must configure a term life insurance when configuring insurance. If there is only accident insurance, the death caused by illness cannot be compensated.

Compared with serious illness insurance, term life insurance is much cheaper. The insurance amount for 1 million yuan is only more than 1,000 yuan when you are about 30 years old.

written at the end

Claim data released by the insurance company are relatively good-looking.

, I'm not good at it, who will post it? Some companies have not sent out the data, or some of the data have not been fully presented; some companies even fabricate fake data and send it out, and ZhongAn was punished for falsification of data reported to the supervision in the early stage.

So let’s take a look at these data. In fact, insurance companies themselves attach great importance to the claims. What we need to do is

. When taking out insurance, read the terms and contents, and basically don’t have to worry about psychological compensation in the later stage.

. Understand what are the high-incidence claims risks, pay attention to prevention when purchasing insurance, which can make our protection more complete. Remember the above two points:

!