User question:No company recently pushed critical-illness insurance? Practical not practical in the end? Condition is not very harsh? I want parents to buy one but the insurance is not very understanding and would like to invite professionals to give presentations or to provide several good faith better.
Experts answer: Yes, each company has. August 1, China's first "critical-illness insurance illness defined using the norm" will be formally implemented, the new emphasis on disease risk once again become a hot consumer concern. Since the new emphasis on disease risk is relatively old product to a relaxation of standards for the claims, therefore, the market one after another, the new emphasis on disease risk rate is expected to rise, in this case, and even some consumers have emerged ahead of August 1 to buy the old re - disease risk phenomenon. It is understood that this year, many insurance companies began to re-launch of new insurance products disease, because July is the final stage of replacement of old and new, so the introduction of new products have to speed up the pace even more, there are already about 20 models of new or heavy disease risk improved products on the market. But the reporters found that the new emphasis on disease risk insurance premiums is not as widespread as expected before the sharp rise in cases in which healthy people a new emphasis on disease risk price even fell by an average of 7% -10%. The industry spokesman told reporters that as currently on the market each company's new emphasis on disease insurance products customized color than doctrinal, in the scope of protection is also inconsistent, and hence no basis for rates generally rose. "If you compare each company's own old and new products, will find that indeed some of the company's new products will be price increases, but some companies will be flat, and some companies may also be reduced." PICC Health vice president of product development Zeng Zhuo said that even if the new version has been re-raised product prices illness insurance, but expand the scope of protection than the rate of price increase is not large. Through a number of the company's new emphasis on disease risk comparison found that the majority of the company's new product prices are basically consistent with the old product. For example, Taiping Life's new health insurance to the Blues is also a 26-year-old non-smoking women, in the amount of 100,000 insurance payment under 20 years past, the premium is 3260 yuan, and now was 3420 yuan, increase rate of only 4.9%. It is understood that, in the current version of the insurers have been re-introduced disease insurance products, many products are based on the standard in the industry to expand the scope of protection provisions and to protect the interests of some of the features have been brought to market. For instance, Ping An Life Insurance 9 new emphasis on disease risk increased by five kinds of major diseases. Some experts said that although the August 1 after the re-disease risk unified standards will be implemented in the industry, claims the standard will be relaxed, but not as long as the insured sick will be able to file a successful claim, then, consumers should pay more attention to the insurers re-disease risk terms of specific provisions, while various insurance companies in addition the scope of diseases covered by different things, in the product features, after-sales service also may be very different, therefore, claims the quality of services should also be an important factor for consumers to consider the 1. The Ping An emphasis on disease in this piece that "help your-client principle" is, "critical-illness insurance the use of standardized definitions of disease," safe for the major diseases before the introduction of the definition of 30 types, "critical-illness insurance using the standard definition of disease," published After the China Insurance Regulatory Commission under 24 in uniform, if the "critical-illness insurance the use of standardized definitions of disease," before the introduction of safe handling of heavy disease risk, you can either enjoy the peace before the 30 kinds of diseases, the definition also applies to insurance supervisor will be the definition of 24 types of disease. Once the Chuxian, provided that they meet the definition of the scope of any one disease, Ping claims you are right, and which definition is more beneficial for you, depending on the which to lose. For each company against my understanding of a safe and re-disease risk is the most trustworthy. I was in Wuhan insurance financial advice, you can dial 027-63002084 consult with my

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