When choosing critical illness insurance, many friends will pay special attention to the number and type of diseases that can be covered by critical illness insurance products.
In fact, among the diseases covered by critical illness insurance, there is a special category, that is, mild illness.
What is a mild illness and how mild are the symptoms, and is it also an important protection for critical illness insurance?
Let's take a look.
What is a mild illness in critical illness insurance?
The so-called mild illness is actually not mild, and it still belongs to the category of serious illness.
Generally speaking, mild illness is the early stage of a critical illness that does not meet the criteria for a critical illness, but it is very likely to evolve into a critical illness.
For example, although the symptoms of mild stroke are mild, they are likely to evolve into severe stroke sequelae.
Another example is carcinoma in situ, although it is a cancer, it has a high probability of cure, but if it is not treated in time, it is also very likely to evolve into a malignant tumor, so it is classified as a mild disease.
The definition and coverage of minor illnesses vary from one critical illness insurance product to another, which can be seen from the number of minor illnesses they cover.
Some products can cover 50 mild diseases, while others only cover 30 types.
Some pay 50%, some only 30%, and each product is different.
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Of course, in addition to the 28 critical illnesses and 3 mild illnesses that the regulator stipulates to be covered.
Therefore, it can be seen that in fact, mild illness protection is also very important.
How do you think that the mild illness protection of critical illness insurance is good?
First of all, it depends on the quality of the mild cases covered, not just the quantity.
In particular, it is necessary to pay attention to the protection of high-incidence mild diseases, in addition to the three types of insurance, it is also necessary to protect diseases such as carcinoma-in-situ, coronary interventional surgery, etc.
It is much better to cover the high incidence of mild diseases than to cover many mild cases with very low incidence.
Secondly, it depends on whether the mild cases covered are grouped or not.
Some products do not pay multiple times in groups for mild symptoms, and some pay multiple times in groups.
If you are grouped, after one disease is paid, other diseases in the same group will not be covered.
In this way, it is clear that the guarantee of not grouping is better.
Then, it depends on the proportion of the payout.
Some products only pay 30% of the basic sum insured, while some products can pay 50% of the basic sum assured.
The higher the payout ratio, the better.
Finally, it depends on the payout interval.
Most products will set a time interval when making multiple claims, some are 1 year, and some are 3 years.
This interval is definitely as short as possible.
What does mild illness benefit do?
The first is to lower the threshold for critical illness insurance.
(A mini program has been added here, please go to the Toutiao client to view)
Because many critical illnesses evolve from mild illnesses, we can understand that the probability of suffering from mild illnesses is greater than that of directly suffering from critical illnesses.
Therefore, if critical illness insurance pays for minor illnesses, it is equivalent to lowering the threshold for claims, making it easier to get claims and treating the disease as soon as possible.
Secondly, it can increase the intensity of claims for critical illness insurance.
Most critical illness insurance plans can still pay for critical illness after minor illness claims or even multiple claims.
In other words, after we receive the minor illness benefit, unfortunately the condition worsens into a serious illness, we can still get the compensation again.
Finally, a mild illness waiver can ease our burden.
Nowadays, the vast majority of critical illness insurance products can trigger the waiver clause at the mild stage of the illness, allowing us to waive the premium but still enjoy the protection.
This can also better leverage critical illness insurance.
In general, the protection of minor illness in critical illness insurance is very important.
We must also pay attention to this protection when choosing critical illness insurance products, and there can be no shortcomings.