People who are getting older are always prone to various health problems.Cancer insurance Many friends want to insure their parents, but they find that either their age is beyond the scope of the insurance, or they have three highs and other problems, and they can't even pass the health notification of critical illness insurance and medical insurance.

However, there is such a kind of insurance, the premium burden is small, the health notification is relaxed, high blood sugar, high blood fat, high blood pressure people as well as people suffering from cardiovascular and cerebrovascular diseases can be insured normally, can be paid out multiple times, to provide lifelong protection ......

Yes, this is cancer insurance, a product especially suitable for people aged 50 and above.

What is cancer prevention insurance? What are the types?

Cancer prevention insurance, as the name suggests, is an insurance that only covers cancer.

Compared with critical illness insurance and medical insurance, cancer insurance narrows down the coverage responsibility to cancer (malignant tumor), so its health notification is very loose, only asking about the part related to cancer.Term Life Insurance Like the elderly have some high blood pressure, high blood fat or cardiovascular diseases, they are all eligible for insurance.

Cancer insurance is generally categorized into two major types: benefit-type cancer insurance and reimbursement-type cancer insurance.

1. Benefit-type cancer insurance: This kind of product is similar to critical illness insurance, in which the insurance company will pay out a claim after the insured person is diagnosed with cancer. Therefore, some people refer to this type of insurance as cancer insurance.

In addition, if someone asks "what is the difference between cancer insurance and cancer medical insurance", this is the type of product they are referring to when they say "cancer insurance".

Cancer insurance can also be categorized into three types according to whether or not it is refunded upon maturity: consumer cancer insurance with no refund upon maturity; refundable cancer insurance with premiums refunded upon maturity; and savings cancer insurance with cash value refunded upon maturity.

2. Reimbursement-type cancer insurance: This type of product is also known as cancer medical insurance because it is similar in nature to medical insurance. After the insured person is diagnosed with cancer and undergoes treatment, the cancer medical insurance will reimburse the medical expenses incurred by the insured person. The good medical insurance on Alipay, Ping An Cancer Guard, etc., all belong to cancer medical insurance.

Configuration Points of Cancer Prevention Insurance

First, the purchase of cancer insurance should be based on the configuration of critical illness insurance and multi-million medical insurance, or in the case of not being able to buy these two kinds of products, the insurance should be taken out. After all, the coverage of cancer insurance is not the most comprehensive, and the incidence of critical illnesses such as major organ transplantation and end-stage renal disease is relatively high, which cannot be taken into account by cancer insurance.

The incidence rate of cancer increases with age and peaks at 60-64 years old, so if you buy cancer insurance, the coverage period should cover this age group.

Thirdly, benefit-type and reimbursement-type cancer insurance do not conflict with each other. If the budget is sufficient, they can be configured together, and they are not substitutes for each other. Cancer medical insurance reimburses medical expenses, while reimbursable cancer insurance can be used to maintain daily expenses and nutritional expenses.