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1. What is critical illness insurance?
Critical illness insurance, also known as critical illness insurance, is a type of supplementary medical insurance. It mainly provides further protection against the high medical expenses incurred by patients with serious illnesses. Critical illness insurance is set up to alleviate the financial pressure of patients due to illness, so that they can face the pain without worrying too much about medical expenses.
2. The role of critical illness insurance
1. Alleviate financial pressure: Critical illness insurance can help patients pay for high medical expenses, such as surgery, chemotherapy, medication, etc. This allows patients and families to focus more on treatment and recovery instead of running around for cost.
2. Improve treatment outcomes: Critical illness insurance can ensure that patients receive timely and effective treatment. With reduced economic burden, patients are more likely to receive advanced medical treatments and drugs, thereby improving the treatment effect.
3. Ensuring family stability: Critical illness insurance can help families overcome financial hardship and avoid family breakdown due to illness. At the same time, it can reduce the financial burden of the patient's family and make family life more harmonious.
4. Promote social harmony: Critical illness insurance can help reduce the phenomenon of poverty due to illness and return to poverty due to illness, and improve social equity. At the same time, it can improve the health level of the people and promote the harmonious development of society.
3. How to choose critical illness insurance? When choosing critical illness insurance, consumers should pay attention to the following aspects:
1. Insurance terms: Learn more about the insurance terms, including coverage, payout ratio, deductible, etc. In addition, it is necessary to pay attention to the provisions in the contract regarding the type of disease, the mode of treatment, the list of medicines, etc.
2. Sum Insured: Choose the appropriate amount of insurance according to your own needs and family financial situation. Critical illness insurance should cover medical expenses that may occur.
3. Insurance period: There are two types of protection periods: fixed-term and life-long, which consumers can choose according to their own needs. In addition, it is necessary to pay attention to the credibility and strength of the insurance company to ensure the performance of the insurance contract.
4. Value-added services: Some critical illness insurance products provide value-added services, such as appointment registration, professional nursing, health consultation, etc. These services can improve patient outcomes and quality of life.