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Recently, several customers have asked me the same question: Is there any difference between medical insurance and critical illness insurance?
Yes, the fundamental difference is that their compensation principles are different:
medical insurance is an insurance premium type insurance.
Expense compensation, in the vernacular, is expense reimbursement . You have to get an invoice for reimbursement for meals on weekdays. The same is true for medical insurance. You have to be hospitalized first, and then you can reimburse you after you have medical expenses. And as much as you spend, you can claim as much as you want, and of course it has to be within the insurance limit.
If no medical expenses are incurred, then medical insurance is not needed. What does
mean? meaning is, will give a sum of money according to the agreement as long as the disease is contracted in the clause. For example, if the critical illness insurance coverage is 1 million, if you have lung cancer as agreed in the contract, the insurance company will give you 1 million. Even if you spent 200,000 in the hospital for lung cancer, the critical illness insurance would still give you 1 million.
With critical illness insurance, no need to buy medical insurance?
At this time, some people might think that there is no need to buy medical insurance, just take the money paid for critical illness directly for treatment.
Most people who have this idea assume that when they are hospitalized, the critical illness insurance can be paid and the compensation can be in place.
However, this is not the case.
First of all, paid for critical illness insurance has a prerequisite: you have the disease agreed in the clause.
Such as pneumonia, it does not belong to the scope of compensation for critical illness insurance. But everyone must have seen such news, because severe pneumonia entered the ICU and artificial lungs, which cost a lot of money, and even caused death. But pneumonia is not covered by critical illness insurance. As a result, the medical expenses incurred can only rely on medical insurance and medical insurance.
second,Another prerequisite for for critical illness insurance compensation is that the contractual compensation scenario is reached.
The payout scenarios for critical illness insurance can be roughly divided into three categories:
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3. Compensation only when it reaches a certain state
Three scenarios for serious illness compensation
span1 is the most likely to cure the first type of insurance compensation If you are ill, for example, if you are diagnosed with the cancer specified in the clause, you can initiate a claim.
In the second case, you can only pay after surgery. For example, if a person has coronary heart disease and is admitted to the hospital, but not enough for coronary intervention or thoracotomy, the critical illness insurance will not be paid at this time.
The third case,For example, after stroke sequelae, it needs to be assessed after 180 days whether it has reached the state of compensation, so can the critical illness insurance for the treatment cost within the 180 days be out of control? If the contract status is not reached on the 180th day, the critical illness insurance will not be paid.
severe stroke sequelae are regulated as follows:
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Therefore, the compensation for serious illnesses does not necessarily depend on the compensation for the loss of income for the treatment of serious diseases. risk.
Critical Illness Insurance = Income Loss Compensation Insurance
There is an article on the Internet called "A self-report from a terminally ill "beating worker"", which is about a technical colleague from Perfect World, since graduation I joined the company and participated in a number of major projects. During the two-year sick leave after the diagnosis of brain cancer in 19 years, he only received 1780 yuan in sick leave pay. After the sick leave expired, the company again asked him to dismiss him for 1,780 yuan.
For this employee, can medical insurance make up for this loss of income?
is definitely not possible, because medical insurance is only responsible for the reimbursement of medical expenses, and the maximum amount of expenses will be reimbursed, and no expenses will not be reimbursed. This is the battlefield for critical illness insurance compensation.
It is clinically believed that after a person has a serious illness, there is an average recovery period of 5 years. Therefore, when we assess the critical illness insurance limit, we usually cover 3-5 years of necessary living expenses + rehabilitation expenses, and use the indemnity to maintain the quality of life of the family during the rehabilitation period.
Therefore, treatment depends on medical insurance, and the loss of income after illness must be compensated by critical illness insurance.
Medical insurance and critical illness insurance are good brothers holding hands. They complement each other and perform their duties.
After reading this article, do you understand the difference between medical insurance and critical illness insurance [laughs]
1span, 1spanFRM certificate holder, Master of Finance from the University of Sydney, worked in the field of property insurance for 10 years+, worked in China Export & Credit Insurance Corporation, Sunshine Credit Guarantee Insurance Co., Ltd., and is now a Mingya insurance broker.
brokers represent the interests of customers, objective and neutral
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