At the request of fans, we will release a Hex Technology series in insurance. The technology and ruthlessness in insurance.
Let’s start with health insurance.
All companies use the same disease incidence table, that is, when the definitions of each disease type of critical illness insurance are the same, the cost of claims should be the same. Let’s not talk about the claims review for now. Let’s just talk about the disease. Let’s take a look at what ruthlessness means. The claim cost of
is the same, so the price should be similar. But the reality is that due to the different definitions of the disease, the claim cost varies greatly, which leads to a huge price difference in critical illness insurance. Also, whether there is a responsibility for death is very important.
Let’s first talk about whether to take responsibility for death or not. The state has stipulated six unified definitions of serious diseases, and there are another 22 types of serious diseases that must all contain very similar definitions. Let’s take out one of them called severe acute myocardial infarction and take a look. When acute myocardial infarction occurs and after being sent to the hospital, if rescue is invalid, you can guess whether the critical illness insurance that does not take responsibility for death can be compensated.
Note that we do not mix any matters related to the accommodation claims here, only from the contract. This cannot be compensated.
Let’s take a look at the definition of severe acute myocardial infarction. There is a data that requires a diagnosis of 6 weeks later. Obviously, this data cannot be obtained, so the claim cannot be settled.
This is still the case when you have a medical record in the hospital. In this case, you may also get a negotiated claim. But those who have no vital signs when they cannot get to the hospital will have to dream if they want to make a claim.
Not only that, but also the sequelae of cerebral stroke, which will take 180 days to meet the standard. What if the person is gone within 180 days? The same one, I can't pay it.
, then at this time you will be ruthless. Someone told you that buying a critical illness insurance that does not take responsibility for death is very cheap. Then add an term life insurance . In this way, you can compensate for serious illnesses and death. If you don’t make a good deal, you can get two compensations. This is the right one. Humph, the appropriate premise is that your life is gone.
According to statistics from the insurance industry, by the age of 60, the mortality rate of men participating in term life insurance and lifetime life insurance was 0.9161%, while that of women was only 0.4414%. Before the age of 60, the mortality rate of male participation in pension business was only 0.4660% and 0.2315% for females. The mortality rate of participating in pension insurance is about half that of participating in life insurance. Here there will be a distinction at the level of belief, that is, the difference in mortality caused by emotional and external influences. This is not within the scope of today's discussion. If we look at the highest mortality rate data before the age of 60, it is less than 1%. And it's a single gender.
posted this data to tell everyone that term life insurance can basically be compensated for one in . This is not a possible obstacle in claim review.
is so cruel. The concept of longevity is very easy to be deeply rooted in people's hearts. What should you do if you lose your family? The key is that it is very cheap. So it is very easy to sell, and the most important thing is that the commission rate is not low. Because fixed life and regular critical illness insurance are basically pure profits for insurance companies. Some people also say that because it is cheap, salesmen cannot make money, so they don’t like to sell. It's really nonsense. Sales of cheap things will make money if you sell too much, let alone so easy to sell.
This job is actually not ruthless enough, it is just to make money using your psychology.
Let’s take a look at these ruthless jobs. Severe cardiomyopathy .
requires that the fourth-level heart failure lasts for more than 180 days before compensation can be compensated. With a fourth-level heart failure, this person has basically kept lying down and walking at a very slow short distance. If there is a slight stimulation, it may go away. This is a disease that you will never have. My god. Even if you lose money, you can't pay for it. Relatively speaking, the definition of looseness is that there is no requirement of this 180-day time. Because of this article, there are many cases of claims disputes, and I have also posted cases in previous videos.
again, it is severe type 1 diabetes. Both feet are required to be amputated. Be cruel and lively. This is not one foot, it is that both feet need to be amputated.Then what level is that the next step is sepsis leading to organ failure. A relatively loose definition is to remove one or several toes. Either not to cut the toes but have other standards.
This kind of disease defines too many ruthlessness. Just look at the third video on the top of my homepage, which is very detailed.
I think the technology in the insurance industry should be considered annuity increase life insurance type. It can make you feel suitable but in fact it is a bamboo basket to get water. And being ruthless is still quite vivid in the field of health insurance. For example, the difference between self-paid and self-paid on medical insurance on , the difference between occupational categories in accident insurance, etc. Anyway, you get what you pay for.
Everyone knows what kind of ruthless work is, so you can talk about it in the comment section.
I am General Bao, follow Ah Hui and take you to listen to something real.
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