On March 18, media explodes piece, the silver-colored meeting that keep watch had allotted " about beginning Chinese body insurance occurence rate of major disease experience is expressed edit the announcement of working concerned item " .
This message lets a person pay close attention to most, it is allegedly the silver-colored meeting that keep watch wants an inchoate thyroid gland cancer is in serious illness risk except or label light disease responsibility.
This message comes out, a lot of people do not sit. The quarrelling sound on the network, a lot of people think this is the thyroid cancer that insurance company misses a manage compensate rate is extremely high from the eliminate in serious illness, it is to take the petty gain of consumer.
Is the fact taken seriously such? I feel we should not take a mood to criticize insurance company at the beginning, must clear up the thing first at least, will evaluate this work again.
In numerous view of the netizen, having a bit is correct, the manage compensate that is thyroid cancer then is led really very tall.
According to 2018 peaceful Kang Renshou manages annual report of compensate big health, between all sorts of serious illness, manage compensate rate is top is malignant tumor (namely the cancer that we say) , in compensate of the manage that weigh disease, of compensate of malignant tumor manage occupy than be as high as 83% , and in the compensate of the manage that weigh disease in the male, the manage compensate of malignant tumor is occupied than be as high as 58% .
In numerous malignant tumor, the manage compensate rate that belongs to thyroid cancer again is top.
Male manage compensate leads 3 kinds of highest cancer, normally compensate rate discretion comes sort is lung cancer, thyroid cancer and liver cancer respectively; Female manage compensate leads 3 kinds of highest cancer, normally compensate rate discretion comes sort is thyroid cancer, breast cancer and lung cancer respectively. And these disease are planted, it is silver-colored the defect that rigid of the meeting that keep watch fixes to products of any risk of a serious illness must be ensured is planted!
Compensate of thyroid cancer manage is occupied than for 15% , compensate of thyroid cancer manage is occupied than for 29% . Say so, without giving thought to men and women, thyroid gland is the serious illness of very tall hair.
If the manage compensate circumstance of integrated men and women, we can discover thyroid cancer is rate of compensate of the manage in all cancer is top, 24% what hold data of integral manage compensate.
If thyroid cancer from the eliminate in serious illness, the manage compensate rate of risk of so serious illness can be reduced greatly, so everybody the quarrelling sound also is understandable.
I read many reviews saying, we buy insurance is for avoid risk, one of cancer of highest now hair were not protected, can we still get what is ensured?
Although thyroid gland is very tall,send after all, but its cure rate is very high also, survive 5 years rate be as high as 95% , want seasonable treatment only, money goes treating, it is to have very big cure a hope.
But say not to give now protected, be the means of subsistence that broke a patient?
But I want to say, everybody understands a fault, the thing does not imagine like everybody in that way extreme!
Send a message that come now, not be to say to want a thyroid cancer to kick a serious illness, complete not compensate, want an inchoate thyroid gland however cancer perhaps includes light illness in the except in serious illness.
Because of inchoate thyroid gland remedial difficulty of cancer is not great, remedial cost is not high also, be in generally 1-2 ten thousand.
But metaphase and terminal thyroid cancer or serious illness! ! !
Because serious illness is,show cure expenses is tremendous and in longer the disease of the affects patient and its family badly regular job inside period of time and life.
And inchoate thyroid gland cancer really not quite the definition that accords with serious illness, hong Kong there already classics inchoate thyroid gland cancer is kicked from serious illness went out.
It is insurance of area of our country mainland did not catch up with only newest circumstance, as a result cancer returns inchoate thyroid gland is the category that belongs to serious illness, so the rate of compensate of the manage that weigh disease of insurance company rose accordingly many.
If inchoate thyroid gland cancer from eliminate perhaps adds light disease among serious illness in the center, so the cost of insurance company can be reduced many, the insurance cost that we purchase serious illness risk also can have more fall for certain space.
Actually this also is not insurance company is changing law hole consumer, originally one gets a severe disease not heavy, progress as medicine namely and change. In ancient time, tuberculosis calculates incurable disease, but put to now, do not calculate a serious illness.
When when the remedial difficulty that medicine develops to connect most cancer and fare are very low, I want to be able to more and more cancer are moved to divide from inside serious illness list, this is very normal thing.
So, look with respect to my individual to the understanding of whole insurance industry, I do not feel an inchoate thyroid gland cancer from the eliminate in serious illness, it is a many dread.
If a true inchoate thyroid gland cancer from the eliminate in serious illness, what can be affected to us?
Actually this influence is not absolutely, everybody the situation is different, this still must see you is the insurance that when buys.
If be,the serious illness risk that carries out by new standard is bought after the new standard of serious illness is carried out, I feel cancer labels an inchoate thyroid gland light disease, it is a favour actually.
The cost of insurance company is low, can fall insurance cost.
Although got inchoate thyroid gland cancerous person, the compensation that takes can become little, but inchoate thyroid gland cancer is original also not need 300 thousand, the serious illness compensation of 500 thousand, the light disease compensation that we can take can cover requires cost completely, and still can have a large number of the rest.
If do not buy the product that contains light disease, although got inchoate thyroid gland,cancer does not have compensation, but the remedial charge of 89, again subtractive cure is protected submit an expense account and the part that medical treatment danger submits an expense account, also not be the risk with big what actually.
Final result is everybody spends fewer money, can drop risk avoid, I feel to be a favour.
Of course, if insurance company reduces liability only, did not reduce insurance cost, everybody wants group group to scold them really, but insurance competition is so intense now, everybody polls with the foot, we buy be to one's profit of whose home product whose product.
If be the serious illness a place difficult of access that buys before new regulation is executed, do not have an influence to us actually.
When buying serious illness risk because of us, cancer returns inchoate thyroid gland is serious illness, that if we got inchoate thyroid gland cancer, according to insurance contract, insurance company has to give us be out of pocket according to the standard of serious illness, this how compensate with respect to how compensate.
So, everybody need not fear at all, also need not get angry, calculate inchoate thyroid gland cancer does not calculate serious illness, also not be what evildoing.
