Due to the interaction of multiple factors such as living habits and stress, the number of cancer patients has increased year by year in recent years. Life insurance companies said that there are not only life insurance and term insurance on the market, but also different content and functions. If there is a family history of high risk The ethnic group should choose the appropriate insurance policy carefully.
Zhang Xiujuan, deputy general manager of the direct business department of Hongtai Life Insurance, said that most people have high health awareness and understand that through health checks, adjusting their living pace, and eating habits can prevent problems before they occur. At present, cancer insurance on the market is not only divided into whole life insurance and term insurance, but also has different contents and functions. From the perspective of the insurance profession, how to choose the right insurance policy for you from the dazzling medical-related insurance The point is. Hongtai Life recommends that when making cancer insurance planning, you can first self-assess and review your family medical history. If you are a high-risk group with a high risk of cancer, cancer insurance with clear payment items will be a relatively suitable choice.
For example, Zhang Xiujuan, Hongtai Life Insurance True Health Cancer Prevention Whole Life Health Insurance (FCC) and Hongtai Life Good Health Cancer Prevention Medical Whole Life Health Insurance (FCD), although both are cancer prevention medical whole life health insurance, FCC provides a one-time lump sum payment for the first cancer. , According to different levels, cancer claims are different. If a doctor diagnoses cancer for the first time, the relevant certificates should be attached under the principle of compliance with the terms of the policy, and you can apply for a claim payment without having to spend time collecting medical documents; while FCD is for cancer. Hospitalization, cancer surgery hospitalization, cancer discharge recuperation, cancer outpatient clinic, etc. provide claims payment, and also include cancer radiation or chemotherapy insurance, cancer bone marrow transplant insurance, etc. 11 items of related medical insurance following cancer, you can see the content of the policy very different.
Zhang Xiujuan emphasized that planning cancer-related insurance is just as important as regular health checks, especially for high-risk groups with family history. Cancer patients must face the discomfort of drug side effects, travel to the hospital, and huge medical expenses for cancer treatment during treatment. With the support of appropriate insurance, it may help reduce the financial burden and pressure, allowing patients to focus more on treatment, so policyholders should choose more carefully before applying for insurance.
