These days the message says: Superintendency layer is editing standard of new the insurance that weigh disease, thyroid cancer will be moved to give serious illness list.
Interpreter of become known word falls even if: Thyroid cancer cannot count after major disease, want to reduce the proportion that compensate pays, cannot 100% compensate pay keep the specified number.
This message comes out, let insurance industry move restlessly, some insurance agent begins to urge the sheet below the client, e.g. what: "Or else is bought stop carry out " etc, talk about this thing with everybody today.
Be in actually last year in August when, the silver-colored meeting that keep watch puts forward to consider the eliminate in the list that pays thyroid cancer from compensate of major disease sum to go out.
Want eliminate for what?
Because thyroid cancer incidence of a disease is too high,be on one hand.
It is thyroid cancer cure rate on the other hand very tall, survive 5 years rate 84% , and other cancer is 50% , cycle of general cancer rehabilitation needs 3 to 5 years, and thyroid cancer is 3 months, cure rate is high.
And the design original intention of serious illness risk is to ensure expenditure tremendous, come on the disease with low frequency. Thyroid cancer does not accord with this original intention apparently, want eliminate so.
At present cancer is a rate of compensate of insurance company manage is top kind of serious illness, and in the cancer of reasonable compensate, 3 is become is thyroid cancer.
Once new rule begins to execute, insurance company reduces the compensate of insurance company to pay cost greatly. Insurance company cost was reduced, protect to attract more person to cast, insurance cost also can be reduced accordingly for certain.
Still have the friends that had thyroid tubercle namely, cast it is easier to protect.
The friend with fish nodal now thyroid gland is increasing, this disease lives at ordinary times the job is done not have how old influence, but buy serious illness risk to be protected possibly however by refus. If of thyroid cancer compensate not so much before, the limitation with nodal to thyroid gland insurance company, also meet naturally a lot of more comfortable.
Nevertheless, calculate thyroid cancer from inside serious illness by eliminate, also representing insurance to be not protected completely.
May in proportion compensate pays, for instance you bought risk of a serious illness, keeping the specified number is 500 thousand, if contracted thyroid cancer unfortunately, it is direct compensate gives you previously 500 thousand, but according to new rule, probable later compensate 100 thousand, 150 thousand, little many money.
Thyroid cancer treats charge to need only commonly 5, 60 thousand yuan, the operation recovers period 3 months can heal, so these compensation also are enough.
If be,before new rule the friend that has bought overweight disease risk also need not worry. The add as a result of everybody period insurance cost won't be reduced, cancer returns natural thyroid gland to pay a level according to the compensate previously, sum compensate pays.
Of course, if you compare the safeguard that values thyroid cancer, before suggesting to be executed in new rule, had configured serious illness risk.
Can you still have other change?
The silver-colored now meeting that keep watch weighed disease to make a provision to 25 kinds of highest hair.
But the serious illness risk that each insurance company rolled out safeguard limits to exceed this number far.
Do a lot of policy-holder like kink at be to buy 100 kinds after all? Or 103 kinds?
Actually, come out more those 3 kinds, likelihood the whole world also has appeared so a few, but this cost goes in the insurance cost that booth enters us.
From the point of current trend, meet probably later the disease sort of a serious illness risk is large-scale unified change, not be current only 25 kinds.
To moment everybody also need not expend idea to select a product, the service that visits whose home only more reach the designated position.
Finally, I still am that word, buy insurance must before it is too late, encounter really be similar to this kind of policy to adjust, can not regret medicine ate.
