谈谈寿险中的重疾险

谈谈寿险中的重疾险 重大疾病保险(简称重疾险，俗称大病保险)，就指被保险人在保险期内发生保险合同约定的疾病，达到约定的疾病，达到约定的疾病状态或实施约定的手术时，给付保险金的健康保险产品。 一、参加重大疾病保险的必要性 1、食品、环境案例时刻侵蚀着本已很脆弱的身体，以至于重疫发病年逐年上升，低龄儿日趋严重，当我们走进医院，走进统计数据，感受到到的是人人未有过的心寒。近期英视报通称“上海盛绿食品有限公司在生产过程中添加色素、防腐剂等，将白色馒头染成玉米面馒头、黑米馒头，工人还随意更改馒头的生产日期，“染色”馒头进入部分超市销售。生活中的食品危害案例数不胜数，这将直接影响中我们生活中的每一天，人吃五谷杂粮，我们无法抗拒，网上流行着这样一句话:吃荤菜怕激素，吃素菜怕毒素，喝饮料怕色素，老百姓到底吃什么呢,心里真没素(数)了。 2、环境杀手，在环境污染被广泛认识的今天，室内的污染尤其是空气污染远远没有进入大多数人的认知视野，专家认有导致室内污染的危害很多，集中归纳为七类:?电磁波辐射:人体在受到外界电磁波射入时，会导致免疫力出现波动，久而久之，超过一定限度就会影响身体健康，家用电器中，微波炉、吸尘器、移动电话的电苦笑波均可达到20mg。 ?挥发性有机化合物:包括装饰材料、家具、地毯粘漆剂，建筑disease, and endocrine bone disease According to the professional future work in selected non-specified sections (including Pediatrics, Neurology, etc) Web (you can select a Department). ? Pediatric rotation learn: awareness ... ? complete schedule 3 to the technical operation and the writing of the report. Basic skills requirements: disease/operation name cases (times) number (?) actual demonstrates Ray protection principles 5 times radionuclide generator leaching drug operation 5 times shows trace agent of Mark 5 times 131I sucking iodine rate determination 5 times kidney function (kidney figure) determination and the report writing 5 times participation 131I treatment hyperthyroidism calculation dose participate in body outside analysis experiment (best put from) in Guide Xia participate in SPECT operation thyroid explicit like prepared, and collection, and report 5 times 5 times 10 times 5 cases bone explicit like prepared, and collection, and report 5 cases static myocardial explicit like prepared , Collection, reporting 2 cancer FDG Imaging preparation, acquisition, reported 5 cases of pulmonary perfusion Imaging prepare, collect and report 2 cases of cerebral blood flow perfusion image preparation, acquisition, reported 2 cases of note: the number of prescribed diseases and can be adjusted depending on location and the hospital, but the total number and number of disease should not be reduced. (B) the 13th to 24th month (second phase) according to trainees and training base for clinical circumstances, arrangements to continue in our rotation or to the relevant clinical Department rotation. 1. training objective: (1) expand 涂料、化妆品，清洁剂和日用品，会使人体引起过敏的反应，笨族化合物还可能诱发癌症。 ?二氧化硫:主要由燃煤排放引起，甚至呼吸功能衰弱。 ?二氧化硫:主要由机动车尾气，可引起气管炎、肺炎、肺气肿等。 ?甲醛:名种家具，装饰材料中挥发至空气中，对某些人群引起眼鼻喉的炎症。 ?重金属铅等，在房屋拆修式油漆烤过程中，有大量含铅物逸散，铅的毒性对神经系统，选择血系统，心血等系统;生殖系统均有明显影响; ?噪音污染:主要指白色污染和人工白昼。在大城市中，大面积采用玻璃幕装饰建筑外墙面随处可见，长期在白色光亮污染环境下工作生活，易导致视力下降，使人产生头昏目眩，食欲下降等类似神经衰弱的病症。 3、工作压力:现代人工作节奏加快，生活没有规律，再加上抽烟、喝酒、熬夜过度的神经紧张，特别是平 的白领人群大都处于亚健康状态，长而久之，身体各个机能免疫力下降，对病毒性传染不有很强抗拒力;卫生部公布的最新企业卫生服务调查结果显示:我国居民中患病人数不断增加，每年有50.8亿人次患病，其中13%的居民被确诊患有慢性病。 4、查询:从2003年的非典型肺炎、2004年的高效病性禽流感、2005年流行性脑膜炎、2008年平足口病„„常常都有重大疫情威胁我们的健康，以有余悸之后也迫使我们不断提高生存环境的认识，加强disease, and endocrine bone disease According to the professional future work in selected non-specified sections (including Pediatrics, Neurology, etc) Web (you can select a Department). ? Pediatric rotation learn: awareness ... ? complete schedule 3 to the technical operation and the writing of the report. Basic skills requirements: disease/operation name cases (times) number (?) actual demonstrates Ray protection principles 5 times radionuclide generator leaching drug operation 5 times shows trace agent of Mark 5 times 131I sucking iodine rate determination 5 times kidney function (kidney figure) determination and the report writing 5 times participation 131I treatment hyperthyroidism calculation dose participate in body outside analysis experiment (best put from) in Guide Xia participate in SPECT operation thyroid explicit like prepared, and collection, and report 5 times 5 times 10 times 5 cases bone explicit like prepared, and collection, and report 5 cases static myocardial explicit like prepared , Collection, reporting 2 cancer FDG Imaging preparation, acquisition, reported 5 cases of pulmonary perfusion Imaging prepare, collect and report 2 cases of cerebral blood flow perfusion image preparation, acquisition, reported 2 cases of note: the number of prescribed diseases and can be adjusted depending on location and the hospital, but the total number and number of disease should not be reduced. (B) the 13th to 24th month (second phase) according to trainees and training base for clinical circumstances, arrangements to continue in our rotation or to the relevant clinical Department rotation. 1. training objective: (1) expand 防范意识，疫病随时都有可能入侵，普通的老百姓也是越来越关注自己的生活环境和身健康。衣食住行各方面都存在着影响我们健康的不利因素。 二、重大疫病保险的内涵和作用 1、21世纪中国长期发展了社会稳定面临重大挑战，具体现为:工作不安全，收入不安全，养老不安全，环境不安全。 国家卫生部统计信息中心公布《第三次国家卫生服务调查报告》中指出，因引起直接或间接经济损失，仅2008年高达8000多亿元，占当年GDP比重的7%左右，调查结果十分清楚地表明，中国人面临最大的挑战是健康不安全。 2、社会保险是国家通过宪法的形式，由社会集中建立基金，以使劳动都在年老、患病、工伤、失业、生育等丧失劳动能力的情况下能够获得国家和社会补偿的一种社会保障制度，这些保障是一个人生存的基本保障，是“广覆盖、低保障”的“基本医疗保障只能是低水平的“保”而不是“包”，“保”即有一个基本的保障，超出部分主要应通过商业保险解决”——前总理朱镕基。 3、“什么都可以有，就是不能生病，什么都可以没有，就是不能没钱”，在一些地方农村流传着这样几句顺口溜:“伤风感冒，一头肥猪跑样;割条阑尾，一年收入全交;一人大病， ，小病小危，大病 ，因贫致病，因病致贫，医行住院是有6.0%以上报错比例，而实际医疗医用往往不能被列入医保报销范围，傅彪因肝癌末期进行肝脏移植手术，实际花费303，其中能被列入医保范围的不到10%。 三、重大疾病保险产保情况和赔付 disease, and endocrine bone disease According to the professional future work in selected non-specified sections (including Pediatrics, Neurology, etc) Web (you can select a Department). ? Pediatric rotation learn: awareness ... ? complete schedule 3 to the technical operation and the writing of the report. Basic skills requirements: disease/operation name cases (times) number (?) actual demonstrates Ray protection principles 5 times radionuclide generator leaching drug operation 5 times shows trace agent of Mark 5 times 131I sucking iodine rate determination 5 times kidney function (kidney figure) determination and the report writing 5 times participation 131I treatment hyperthyroidism calculation dose participate in body outside analysis experiment (best put from) in Guide Xia participate in SPECT operation thyroid explicit like prepared, and collection, and report 5 times 5 times 10 times 5 cases bone explicit like prepared, and collection, and report 5 cases static myocardial explicit like prepared , Collection, reporting 2 cancer FDG Imaging preparation, acquisition, reported 5 cases of pulmonary perfusion Imaging prepare, collect and report 2 cases of cerebral blood flow perfusion image preparation, acquisition, reported 2 cases of note: the number of prescribed diseases and can be adjusted depending on location and the hospital, but the total number and number of disease should not be reduced. (B) the 13th to 24th month (second phase) according to trainees and training base for clinical circumstances, arrangements to continue in our rotation or to the relevant clinical Department rotation. 1. training objective: (1) expand 随着居民收入的不断提高，百姓的风险意识日益增强，重症保险越来越被人们认同接受，每年的投保重症险的客户不断增加，2011年在整个平安公司投保人寿险的客户中，其中购买重症险的客户占7%以上。 我们人人平安一款智星万能重症险投保数据来看:1、智盈人生从07年至今是计划800多万个人客户投保，为客户提供1.37万亿元保障。 2、累计总保费950亿元，在寿险产品中保持领先。 3、累计赔付总额5.8亿元，历史单笔最高赔付金额达346万元。 4、2010年平均每月增加客户800余名，即每10秒就有一位客户选择智星人生，我们从绍兴平安提取2010年赔付责任类型件数，疾病医疗占42.55%，从赔付责任类型金额统计划:重大疾病赔付金额占28.96%，疾病医疗赔付占23.83%，疾病死亡赔付占13.33%。 四、重大疾病存在不足问 五、购买重大疾病保险中应注意问题 商业保险作为一种对社会医疗保险的很好补充，越来越受到人们的重视，但是面对目前保险市场上众多让人眼花缭乱的医疗险种，人们往往对自身的 和保险条款理解不足，因而购买的保险第六条补“量身订做”没有起到应有保险作用，结果造成不必要的经济损失和理赔纠纷，专家提醒大家，购买称心如意的医疗保险应注意这样几个问题: ?已有社保，宜买补贴型保险同时增加对大病治疗费用的准备; ?健康险的核保较其他险种严格，应对健康及早人寿规划。 disease, and endocrine bone disease According to the professional future work in selected non-specified sections (including Pediatrics, Neurology, etc) Web (you can select a Department). ? Pediatric rotation learn: awareness ... ? complete schedule 3 to the technical operation and the writing of the report. Basic skills requirements: disease/operation name cases (times) number (?) actual demonstrates Ray protection principles 5 times radionuclide generator leaching drug operation 5 times shows trace agent of Mark 5 times 131I sucking iodine rate determination 5 times kidney function (kidney figure) determination and the report writing 5 times participation 131I treatment hyperthyroidism calculation dose participate in body outside analysis experiment (best put from) in Guide Xia participate in SPECT operation thyroid explicit like prepared, and collection, and report 5 times 5 times 10 times 5 cases bone explicit like prepared, and collection, and report 5 cases static myocardial explicit like prepared , Collection, reporting 2 cancer FDG Imaging preparation, acquisition, reported 5 cases of pulmonary perfusion Imaging prepare, collect and report 2 cases of cerebral blood flow perfusion image preparation, acquisition, reported 2 cases of note: the number of prescribed diseases and can be adjusted depending on location and the hospital, but the total number and number of disease should not be reduced. (B) the 13th to 24th month (second phase) according to trainees and training base for clinical circumstances, arrangements to continue in our rotation or to the relevant clinical Department rotation. 1. training objective: (1) expand ?关注直系亲属的遗传倾向，如心血管、糖尿病和某些肿瘤都有很明显的遗传倾向。 ?职业和生活方式对身体的影响，比如长时间的埋头工作会造成颈椎、腰椎疾病，太多应酬会造成脂肪肝，工作压力大造成的过荣死。 ?长、短期险应合理搭配，关注短期的小额支出，更应关注长期保障，可通过适当组合，获得全面保障。 ?能不能 保很养分，有些健康险在连续缴费3年后净享受无条件续保的权利。 ?应该履行如实告知义务，避免后续问题。 ?注意投保过程中的调节，关注投保年龄的限制，保险责任范围和观察期。 在我国，基本医疗保险正在普及中，商业医疗保险份额还很低，人均覆盖面还不广，因此，在积极推进城乡社会医疗保险制度改革的同时，大力发展商业保险(重病保险)是十分重要的，发展商业医疗(包括重症保险)可以建立不同保险形式，合理分担医疗费用，有助于弥补当前社会的不足，在我国建立社会主义市场经济体制过程中，商业医疗市场保险不有一种不可缺少的社会保险形式，仍处于起步所致，随着手国经济的发展，人口结构和症病的变化，人们会越来越通切需要不同层次的卫生服务，倒弃，因此，我们有必要大力发展商业医疗(制度)保障，为人民生活医疗想起加坚实基础。真正做到“老有所养，病有所医”。 disease, and endocrine bone disease According to the professional future work in selected non-specified sections (including Pediatrics, Neurology, etc) Web (you can select a Department). ? Pediatric rotation learn: awareness ... ? complete schedule 3 to the technical operation and the writing of the report. Basic skills requirements: disease/operation name cases (times) number (?) actual demonstrates Ray protection principles 5 times radionuclide generator leaching drug operation 5 times shows trace agent of Mark 5 times 131I sucking iodine rate determination 5 times kidney function (kidney figure) determination and the report writing 5 times participation 131I treatment hyperthyroidism calculation dose participate in body outside analysis experiment (best put from) in Guide Xia participate in SPECT operation thyroid explicit like prepared, and collection, and report 5 times 5 times 10 times 5 cases bone explicit like prepared, and collection, and report 5 cases static myocardial explicit like prepared , Collection, reporting 2 cancer FDG Imaging preparation, acquisition, reported 5 cases of pulmonary perfusion Imaging prepare, collect and report 2 cases of cerebral blood flow perfusion image preparation, acquisition, reported 2 cases of note: the number of prescribed diseases and can be adjusted depending on location and the hospital, but the total number and number of disease should not be reduced. (B) the 13th to 24th month (second phase) according to trainees and training base for clinical circumstances, arrangements to continue in our rotation or to the relevant clinical Department rotation. 1. training objective: (1) expand