重大疾病险是健康保险中的基础配置

重大疾病险是健康保险中的基础配置 保险公司眼中的重大疾病 普通人概念里的重大疾病和保险公司的不完全是一回事。保险合同里的重大疾病通常意味着:一，得了这病几乎折上半条命;二，短期内需要大笔的医疗费或需要长期治疗的经济支持。 因此，重疾险的保障范围首先剔除了重大疾病中病症较轻的情况，其次剔除了医疗费不太高的病症或者对生理损伤不是特别大的情况。准确地说，重疾险保障的是重大疾病中比较严重的病况。 最常见的恶性肿瘤、急性心肌梗塞、重大器官移植术、造血干细胞移植术、冠状动脉搭桥术和终末期肾病这6种疾病被中国保险行业协会要求在重疾险中必保。同时，疾病或意外导致的深度昏迷、失聪、失明和瘫痪等也在重疾险的赔付范围内。 不是保障疾病越多越好 在中国内地销售的重疾险中，有25种疾病的定义会遵守中国保险行业协会《重大疾病保险的疾病定义使用》，在责任范围内涵thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 盖高发的重大疾病。 据友邦保险统计，2011年12月至2012年11月，该公司在中国内地各分支机构的保险赔付中，80%以上的重大疾病理赔是因为恶性肿瘤。科隆再保险公司曾经在2007年发布针对中国内地各大保险公司重大疾病数据所得的《重大疾病调查》，也得出“96.5%的理赔集中在10种疾病上”的结论。 除了必保的6种重大疾病，保险公司还会增加疾病种类到责任范围中去，最常见的重大疾病基本在责任范围内。因此，从罹患重病并获得赔付的几率上看，不必对重疾的种类要求齐全，因为每增加一个疾病种类，费率就会提高一些。保障疾病越多，保费就越高。 投保前要考虑家族遗传史 鑫山保险代理有限公司首席行销经理陈佳建议，在投保重疾险之前，要特别考虑家族遗传病史。 如果条件许可，就应去提供基因检测服务的科研机构付费做基因检测。如果结果显示患某种重大疾病的几率更高，那么在买重疾险时最好为此配置更高的保额。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 以防癌险为例，它比重疾险便宜，如果家族有恶性肿瘤病史或基因检测结果显示患癌几率高，最好在购买重疾险后附加防癌险。发生理赔时，就可以用低于双份重疾险的保费获得相当于甚至高于双份重疾险的赔付。 但这种专门的防癌险在绝大部分保险公司里是和分红型的两全保险产品捆绑销售的，少数几家公司可单独购买。 在年轻、健康的时候买 保险公司通常要求被保险人是健康体——年轻的健康体核保容易通过，产品保额更高，保费也更便宜。 如果得了重大疾病的人再申请投保重疾险，那么即使各项检查显示正常，绝大多数情况下保险公司也会拒绝。一些重大疾病近年出现年轻化趋势，35岁至45岁的青壮年罹患癌症的比例上升。即使得了不重的疾病，但在核保时被认为将来有一定几率发展成重大疾病，也会被建议延期投保甚至拒保。 因此，最好在年轻、身体较健康的时候投保，等待期内发生重大疾病的可能性也低。30岁以后各种压力增加和身体机能下降，会导致患病几率上升，被拒保的可能性也会变大。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 病历本、病历卡别外借 什么样的情况会拒保,很难从保险公司得到特别具体的判断标准。从陈佳的经验看，她的客户中有做过开颅手术，后来成功投保重疾险的，也有肺部发现钙化点而被拒保的。因此，除了建议在年轻、健康时投保，她还特别强调病历本不能随意借给家人亲友看病。 保险公司核保时默认病历本上记录的就是本人病史。别人借了你的病历本和病历卡看病、取药，他记录在你的病历本里的轻性疾病可能就在保险公司拒保的范围内。一些用药期间恢复正常、停药会复发的小毛病，保险公司也会考虑未来几十年的潜在风险而拒保。 只要保障，就买消费型重疾险 返还型重疾险实际上就是储蓄型的两全型分红保险附加重疾险的打包产品。以一个30周岁的健康体的女性连续投保30年为例，如果只买消费型重疾险，每10万元的保额，保费大约为720元。同样保障到60岁的储蓄型重疾险，需要连续投保20年，到期返还保费及其分红，这种保险每10万元的保额，保费为4000元左右。 单纯从保障和重大疾病理赔的角度考虑，消费型重疾险更能将保thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 费效益提高到最大化。 储蓄型重疾产品的强制储蓄功能对于有储蓄习惯和投资纪律性强的人意义不大，而对投资纪律性不强或者消费欲望强的人更能发挥作用。但你不必纠结哪种产品更划算，如果不发生理赔，在平均水平下，同样保额的消费型重疾险和返还型重疾险的实际支出保费差不多。 随着年龄和收入增长，保险也要加 陈佳建议，消费型产品应优先配置，在收入不高但负担较重的时候先买。这时买消费型重疾险能用最低的保费获得最大的保障。 随着年龄增长，消费型重疾险的保费费率会升高，保费会越来越贵，大部分保险公司对55岁以上的人群停售重疾险，保障会出现空档。因此，在家庭经济负担变轻的时候，要考虑添加储蓄型产品，保障年限能拓宽到65岁甚至更高。 保险保障的意识更强的人，还可以再叠加终身型重疾险。它的保费比储蓄型略便宜，比消费型贵。重大疾病赔付是终身保障的，但被保险人在世时保费不返还，只能在身故之后由继承人领取。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 记住“5年”标准定保额 通常购买重疾险的时候要以“5年”作为保额的最低计算标尺。 不介意多买消费型重疾险的话，保额要定为被保险人年收入的5倍。以癌症为例，生存5年是康复标准。5倍于年收入的保额，可以保证一个人即使不工作在家养病的时候，家庭经济也能够正常运转。 如果更愿意多买储蓄型重疾险，那在同样的保额下，保费会高4倍左右。陈佳建议这时退而求其次，按照5年的家庭开销确定保额，也能起到比较有质量的补充和保障作用。 重疾险也有豁免选择 消费型重疾险通常会在一次性赔付后合同终止，没有豁免保费的必要。值得加豁免条款的产品通常是返还型和终身型重疾险中能理赔两次及以上的产品:确诊重大疾病先理赔，保费不用再交，再次发生重大疾病还能再理赔。 添加豁免条款要加保费，豁免保费的费率能从代理人那里拿到。大部分公司的重疾险豁免针对的是被保险人，少数豁免投保人，因此，投保人和被保险人是同一人是更聪明的选择。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 单从保费看，加了豁免的重疾险保费更高，但发生赔付时最划算。 如果你的重疾险只能理赔一次，豁免条款又只豁免身故和重疾，陈佳不建议考虑购买此险。如果豁免条款含有因疾病而导致的劳动能力丧失的内容，就千万不要错过——尽管目前你只有不到5%的几率能遇到这种好事。 Tips 被建议延期投保怎么办, 1、如果因为身体指标异常或轻性疾病被保险公司建议延期投保，也不要放弃，可以在3个月至6个月后，根据医生诊断再次申请投保，可能会通过。 2、若再次投保也不能正常通过，保险公司可能会加费承保。在接受加费承保2年左右后，可以根据身体状况，再次申请减免加费，也有一定几率通过。 3、如果依然被延期投保甚至被拒，还可以换一家公司申请，由于各公司的核保标准有些差别，这样有申请通过的可能。 本文出处: www.wangzhuan77.com 转载请注明出处～ thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are