Taikang Life Insurance's 221 Claims Annual Report suggests: Care for yourself, starting with a critical illness insurance.

claims service is a direct way to reflect the value of insurance companies. Recently, Taikang Life Insurance released the annual report on claims in 221, which made us "see" the weight and value of insurance.

according to the annual data of 221, the total number of claims paid by Taikang Life Insurance exceeded 1.2 million, up by 28% year-on-year; The total amount of compensation exceeded 7.6 billion yuan, a year-on-year increase of 25%. In the whole year, Taikang Life Insurance paid an average of more than 2 million yuan per day, and the number of claims per day exceeded 2,7, and the number of claims per day exceeded 1,6.

At the same time, the speed of claim settlement is constantly refreshing. The automatic and intelligent claim settlement in the whole process accounts for more than 65.55%. The time limit for applying for payment is 1.34 days, and the fastest time for medical insurance is only 4 seconds!

The largest amount of compensation is as high as 14.289 million yuan!

what is a major disease?

According to the claim report issued by Taikang Life Insurance, in 221, Taikang Life Insurance paid a total of 4 billion yuan for critical illness insurance, up 29% year-on-year; The total number of claims: 5,, with malignant tumors ranking first (accounting for 53%), followed by cardiovascular and cerebrovascular diseases.

what is a major disease? Major diseases, also known as weighing diseases, refer to diseases that may have a major impact on us.

According to the concept of "National Health Education Reader for Preventing Major Diseases" published by China Actuaries Association in early 221, this great influence can be reflected in two aspects:

(1) "The illness is extremely serious", which will seriously threaten the life of patients and seriously affect the lives of their family members, such as most malignant tumors, acute myocardial infarction, severe chronic renal failure, etc.

(2) "The cost of treatment is huge", which requires expensive medical expenses, which will bring heavy economic burden to families, such as severe sequelae of stroke, severe Alzheimer's disease and severe primary Parkinson's disease.

At the same time, if a major disease is unfortunately diagnosed, it may also lead to the patient's inability to work normally and the family needs to take care of it for a long time, so in addition to the expenses needed for treatment, the normal income of the family will also be affected.

It can be seen that major diseases are a kind of diseases that require money and are fatal. If it is unfortunately diagnosed, it will be a major blow to most families.

From the experience of past diseases, with the increase of age, the risk of major diseases is higher.

However, it is worthy of everyone's attention that the occurrence of major diseases in China is gradually becoming younger.

According to the data disclosed in the National Health Education Reader on Prevention of Major Diseases published by the Chinese Actuaries Association in early 221: "Gastric cancer patients aged 19 -36 account for 6%-11% of all gastric cancer patients, which is twice as high as that of 3 years ago. There is also the number one "killer" breast cancer in women's health in China, which is basically increasing at an annual rate of 17%, and the trend of youthfulness is obvious. At the age of 35, it has become a small peak of breast cancer. "

In the past, major diseases that were high in middle-aged and elderly people have gradually extended their claws to young and middle-aged people. Young and middle-aged people trapped by multiple pressures from work, family and society, while striving for a better life, meet the challenge of focusing on disease risks.

Advantages of critical illness insurance

Compared with medical insurance, critical illness insurance has a unique advantage-the payment method is more direct.

after we purchase critical illness insurance, the insurance company will pay a lump sum of insurance money as long as the insured meets the claim conditions stipulated in the critical illness insurance contract. There is no need to wait until the treatment is over, and there is no need to provide a series of expense lists to the insurance company.

the amount of claim is related to the insurance amount selected at the time of insurance, and has nothing to do with the medical expenses paid for actual treatment. We can use the compensation to pay for medical expenses, to supplement the family, and to pay for subsequent rehabilitation expenses. In a word, we can control it freely.

However, when buying critical illness insurance, you should choose a higher insurance amount as far as possible within the scope of paying the premium, so that if something unfortunate happens, you can get more adequate protection.

after all, the treatment of most major diseases basically costs hundreds of thousands, hundreds of thousands or even millions of medical expenses. If the insurance amount is not enough, even if the insurance company pays a lump sum of insurance money, it will be a drop in the bucket.

Carnation claims, seeing the power of business for the good

As a leading life insurance company, Taikang Life Insurance not only exported a series of high-quality insurance products, but also provided us with "one simple, two warm and three quick" claims service!

l "simple" means one-click application for mobile phone claims.

l "two warmings" means carnation hospitalization and management of chronic diseases after compensation.

l "three quick" means that the subsidy credit compensation will be paid in 2 seconds, the health insurance will be paid directly, and the serious illness will be paid for 2 hours before the case is closed.

In 221, Taikang Life Insurance served a total of 317,5 customers, over 94,2 carnation claims visiting customers, 7,348 serious illness compensation customers first, 51, chronic disease management customers after compensation, 2,383 health insurance links directly under the central government and 165, customers ...

This series of figures is Taikang Life Insurance's ".

critical illness insurance is an effective safeguard tool for us to hedge the risks of diseases and income cliff caused by diseases. Although almost everyone has basic medical insurance at present, it is more worry-free to have sufficient and complete commercial health insurance in the era of longevity!