What are the pitfalls of critical illness insurance and cancer prevention insurance?

(1) Claim Trap

It is said that critical illness insurance is an insurance product that can be paid after diagnosis. Actually, it's not. There are not many diseases that can really be paid immediately after diagnosis, such as malignant tumors. Most diseases need to reach a specific state or undergo a specific operation to pay. It can be seen that the claim for critical illness insurance is not as simple as imagined.

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(2) No high incidence and mild symptoms.

The industry has made mandatory requirements for 25 kinds of high-incidence and serious diseases, so the critical illness insurance needs to cover these 25 kinds of serious diseases, which has covered 95% of the payment for serious diseases. There is no mandatory provision for mild illness, so different insurance products have different types of mild illness, so there will be a situation of "lack of arms and legs".

(3) There is an invisible clause.

Although it has been said many times in the propaganda that there will be no group compensation, it may actually be that the disease is paid in groups in the terms. One disease pays, and other diseases are invalid. In addition, there may be restrictions on the age of protection for diseases. If the diagnosis is made over the prescribed age, the insurance company will not bear the insurance liability.

2. Cancer prevention insurance

The defects of cancer insurance are mainly that the protection provided is relatively simple, and the prices of many products are not very cheap. If you only buy cancer insurance, there is a big gap in protection.