Under the influence of today's fast-paced lifestyle, fierce competition pressure and unhealthy eating habits, the incidence of major diseases is getting higher and higher, and the age of onset is gradually getting younger. Under this trend, it is particularly important to make risk planning for yourself as early as possible. Ms. Liang, a 37-year-old customer, knows this very well.
In May 2022, Ms. Liang went to the hospital for examination because of an abnormal mass in her right breast accompanied by obvious pain. Unfortunately, she was diagnosed with invasive cancer of her right breast. Fortunately, due to timely discovery, Ms. Liang was successfully discharged from the hospital after a period of surgical treatment. She will be able to regain her health through careful nursing care. But even so, the tens of thousands of yuan in treatment fees and subsequent rehabilitation expenses still made the young Ms. Liang feel stressed. Fortunately, Ms. Liang had purchased insurance from New China Insurance , and she immediately submitted a claim application to New China Insurance after being discharged from the hospital.
It is understood that in March 2019, Ms. Liang purchased a multiple-protection critical illness insurance with an insured amount of 200,000 yuan, a hospitalization worry-free medical insurance with an insured amount of 10,000 yuan, and a insured amount of 4 million yuan. Kangjianhuagui Type B medical insurance. In March 2022, in order to strengthen protection, Ms. Liang upgraded the Kangjian Huagui Type B medical insurance with an insured amount of 4 million yuan to the Kangjian Huazun Medical Insurance with an insured amount of 4 million yuan (the rate is adjustable). The upgraded Kangjian Huazun Medical Insurance (rates are adjustable) not only provides ten-year guaranteed renewal premium services, but also expands the coverage of medical reimbursement and supports more types of medical treatment for specific diseases without deductibles. services, and also added a new medical advance payment service, which can better protect Ms. Liang’s health.
Xinhua Insurance quickly reviewed and closed the case after receiving the claim materials. According to the terms of the contract, Ms. Liang's claim was guaranteed multiple times Critical illness insurance Care allowance of 100,000 yuan for the first ten years, critical illness insurance of 200,000 yuan, and hospitalization medical expense insurance 11,660.39 yuan, with a total insurance compensation of 311,660.39 yuan. It is worth mentioning that Ms. Liang’s personal payment for this hospitalization was fully compensated by the hospitalization medical expense insurance. After this compensation, Xinhua Insurance also exempted her from the follow-up premiums of the multiple-protection critical illness insurance, totaling 69,600 yuan, and the multiple-protection and health-care Huazun contracts are still valid. of rehabilitation spending builds a solid protective barrier.
Case Enlightenment
Insurance is not a thin policy of a few pages, but a real guarantee. By taking precautions and planning ahead when the storm is calm, we can face the storm calmly and calmly when the stormy waves come.
