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危重疾病保险

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重大疾病保险-黄金法则保险公司

危重疾病保险

什么是重大疾病保险?重大疾病保险在发生符合条件的严重疾病时,直接向投保人支付一次性现金福利。

问问自己——如果你长时间不能工作,你能继续支付抵押贷款或其他账单吗?你有没有为突发的重大疾病或严重的医疗状况预留应急基金?

如果您对这些问题的回答“不”,您可能希望考虑由黄金法则保险公司承保的英联品牌关键疾病保险计划。关键疾病保险,也称为关键护理保险或关键疾病覆盖,可能会帮助将重点转移到您的恢复和减少费用。

心脏病发作

给美国的某个人关于每40秒一次。F47.


总额

如果发生合格的危有疾病,直接为您提供高达50,000美元的金额。

灵活的资金

在你需要的地方使用它们

简单应用

回答为“是”或“否”的问题


危重病保险如何帮助您

很简单。你选择1个中的5个最高寿命福利金额:10000美元、20000美元、30000美元、40000美元或50000美元。您的福利在计划生效后至少30天内首次诊断出符合条件的疾病时支付。

1.
你的重病
政策变得
有效的

2.
在30天等待期后诊断符合条件的疾病

3.
你收到现金
一次性福利
支付

4.
你用你的现金
根据需要覆盖
财务义务

你满65岁后就有人掩护你

您可以在70岁之前购买危重病保险。65岁以后,您剩余的最大终身福利金额将自动减少50%,但您仍然可以保留您的计划。

您收到的款项可用于覆盖您所需的任何需求:

  • 抵押,租金和公用事业付款
  • 托儿所
  • 你家的食品杂货
  • 健康保险免赔额
  • 外卖医疗费用
  • 处方和其他药物
  • 专业治疗或康复



关键疾病计划优势

税收利益F40.

你的重病保险有税收优惠。通常情况下,从重大疾病保险中获得的款项不应纳税。

灵活基金

使用这笔钱,因为您认为适合涵盖与危重疾病相关的费用。

5级选择

受益程度的选择有助于您控制您的计划成本:10,000美元,20,000美元,30,000美元,40,000美元,50,000美元

合并计划以扩大覆盖范围

临界疾病计划可以自行购买或与其他健康保险计划一起购买。组合多种计划类型可以帮助您获得适合您的覆盖范围。将本计划与短期医疗,牙科和愿景搭配圆满的包装。



危重疾病常见问题解答

最终,这个决定是你自己的,并且是你的情况所特有的。你不能预测未来,但你可以做好准备。如果发生重病,重病保险可以帮助补充你的收入。

危重病保单支付以下费用:

  • 心脏病发作
  • (打、击等的)一下
  • 威胁生命的癌症F42.
  • 失聪
  • 失去演讲
  • 失去视力
  • 主要移植
  • 麻痹
  • 昏迷
  • 肾功能衰竭
  • 原位癌
  • 冠状动脉旁路移植物

危重疾病计划的良好候选人包括:

  • 家庭的主要金融提供者
  • 有人被保险,但是健康保险计划具有高戒烟
  • 有限的人节省意外疾病

这最终取决于你和你的情况需要。2018年,根据UnitedHealthOne参与的通用再保险公司市场研究调查,每份新的重大疾病保险单的平均福利金额刚刚超过30000美元。F41.

是的,有30天的等待期关于关键疾病的福利。第一次诊断必须在您生效日期后至少30天进行。


每周六天将您的问题带到我们的许可产品顾问。

本保单具有除外条款、限制条款、福利减少条款以及本保单可继续有效或终止的条款。有关费用和保险范围的完整细节,请致电或写信给您的保险代理人或公司(以适用者为准)。

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