重大疾病和人寿的一体式综合保险
- 主题发起人 nathanj
- 开始时间
看来大病保险关心的人不多,这可是为自己谋福利罗,摘来一点东西,供参考
重病保险是否将上涨保费？
随着重病保险的赔偿金额不断增加，已经远远高出保险公司的预算，业内人士指出，问题是预期未来，因为癌症等疾患越来越多，赔偿只会越来越多。在今年维多利亚举行的重病保险世界大会上，各国保险公司普遍认为保证保费不变，以及付款期限有保证等条款将来都可能取消，英国的重病保险保费已上涨了大约30%--50%, 预计加拿大的保费在今年之内上涨了大约13%--17%, 同时保险公司会对申请者的审批会更为严格。
重病保险保的重大疾病，是万一中的万一，如果考虑了小概率事件可以忽略不计，我们就可能产生疑问：买重大疾病保险值吗？
重大疾病是小概率事件，小概率有相对性，如果概率小到我们日常根本看不到事件发生，概率就很小，但如果仅仅是小到我们很少看到事件的发生，概率的小就相对不那么小了，相对地说，我们可以认为它还比较“大”。
任何不幸发生后损失总有大小，如果损失小，可以忽略其存在不予理会，但如果损失非常大，则即使发生的可能性小，人们也不会忽略其存在。显然，人们不幸患了重大疾病，例如癌症、心脏病、中风等等，生活和家庭就会受到重创，经济上要蒙受巨大的损失。
重病保险是否将上涨保费？
随着重病保险的赔偿金额不断增加，已经远远高出保险公司的预算，业内人士指出，问题是预期未来，因为癌症等疾患越来越多，赔偿只会越来越多。在今年维多利亚举行的重病保险世界大会上，各国保险公司普遍认为保证保费不变，以及付款期限有保证等条款将来都可能取消，英国的重病保险保费已上涨了大约30%--50%, 预计加拿大的保费在今年之内上涨了大约13%--17%, 同时保险公司会对申请者的审批会更为严格。
重病保险保的重大疾病，是万一中的万一，如果考虑了小概率事件可以忽略不计，我们就可能产生疑问：买重大疾病保险值吗？
重大疾病是小概率事件，小概率有相对性，如果概率小到我们日常根本看不到事件发生，概率就很小，但如果仅仅是小到我们很少看到事件的发生，概率的小就相对不那么小了，相对地说，我们可以认为它还比较“大”。
任何不幸发生后损失总有大小，如果损失小，可以忽略其存在不予理会，但如果损失非常大，则即使发生的可能性小，人们也不会忽略其存在。显然，人们不幸患了重大疾病，例如癌症、心脏病、中风等等，生活和家庭就会受到重创，经济上要蒙受巨大的损失。
The medical care in Canada is almost free, except when you need to go to nursing home or pallative care...
Why people still want to purchase 重病保险?? many of the life insurance have an *Terminal Illness Benefit* which is similar to 重病保险, but they only paid out 40-60% of the face value of the insurer.
Just wondering~
Why people still want to purchase 重病保险?? many of the life insurance have an *Terminal Illness Benefit* which is similar to 重病保险, but they only paid out 40-60% of the face value of the insurer.
Just wondering~
Good concern, think about this, what is insurance? One word, money. When people get into critical conditions,right now the government is paying for every thing,but what is your concern, some people may think about to go overseas for surgery, for travel,and for sure out of job. where are those needed money come from?
Critical illness insurance usually cover twenty deacease,some conditions are very common in canada.The insured amount money is free to use when people suffer one of those twenty deceases.(Of course the condition is critical).Because the claims is very high, so the price for this insurance is fairly higher than life insurance.
Every person usually have some kind of life insurance,(like term or UL product),if you buy another critical illness policy, will be expensive than the one I was talking about.
About insurance with "terminal illness benefit" have the same feature as the one I was talking, but the coverd condition is very few and vital.Check those wording in your policies.
welcome discuss
Critical illness insurance usually cover twenty deacease,some conditions are very common in canada.The insured amount money is free to use when people suffer one of those twenty deceases.(Of course the condition is critical).Because the claims is very high, so the price for this insurance is fairly higher than life insurance.
Every person usually have some kind of life insurance,(like term or UL product),if you buy another critical illness policy, will be expensive than the one I was talking about.
About insurance with "terminal illness benefit" have the same feature as the one I was talking, but the coverd condition is very few and vital.Check those wording in your policies.
welcome discuss
Hi,
I am glad that you have reply, thats mean you have quite confidence on what you are working on.
Insurance is prepare the unprepared, in my opinion, everyone should have at least 1 kind of insurance of each type.
Life insurance is for when your family is in debt, the need of life insurance should be reduced when the family's financial situtation is getting on track.
Accident and Sickness is when you are young and healthy, cause its cheaper when you have it when you are young and healthy. Cause no one is preparing for sick like no one know whats gonna happen tomorrow.
So, I suggest, buying insurance need at least 3 requirements:
1) The reputation of the company
2) The price
3) The coverage
I am life agent, and I see some policy is meant to be confusion.
In Life Insurance, Terminal Illness Benefit is an option, you might option in when signing the application but most of the policy dont have that option.
Critical Illness is also an option for Accident and Sickness, as I dont remember wrong. So, the price is particular more expensive cause Accident and Sickness already included many option. Usually A & S is offer by the employeer, cause group insurance is always cheaper.
I am glad that you have reply, thats mean you have quite confidence on what you are working on.
Insurance is prepare the unprepared, in my opinion, everyone should have at least 1 kind of insurance of each type.
Life insurance is for when your family is in debt, the need of life insurance should be reduced when the family's financial situtation is getting on track.
Accident and Sickness is when you are young and healthy, cause its cheaper when you have it when you are young and healthy. Cause no one is preparing for sick like no one know whats gonna happen tomorrow.
So, I suggest, buying insurance need at least 3 requirements:
1) The reputation of the company
2) The price
3) The coverage
I am life agent, and I see some policy is meant to be confusion.
In Life Insurance, Terminal Illness Benefit is an option, you might option in when signing the application but most of the policy dont have that option.
Critical Illness is also an option for Accident and Sickness, as I dont remember wrong. So, the price is particular more expensive cause Accident and Sickness already included many option. Usually A & S is offer by the employeer, cause group insurance is always cheaper.
i will think about it.. but the chances of buying critial illness is very slim because of the medical system in Canada and the price of that type of insurance.
Your saying is absoulely true, but still cannot convice people, at least me to thinking of that type.
Your saying is absoulely true, but still cannot convice people, at least me to thinking of that type.
depends on which company you buy it for.
and how much coverage you are looking for, the price depends on the followings ( but not limited to ) :
1) age
2) wife ( if any )
3) child(ren) ( if any )
4) health condition ( i.e. smoking? height and weight ratio? )
5) face amount
6) length of coverage ( if applicable )
and how much coverage you are looking for, the price depends on the followings ( but not limited to ) :
1) age
2) wife ( if any )
3) child(ren) ( if any )
4) health condition ( i.e. smoking? height and weight ratio? )
5) face amount
6) length of coverage ( if applicable )
