Consumers buy insurance in the hope that if an unfortunate accident occurs, the beneficiary will receive a certain amount of insurance money from the insurance company, and this is done in case of an accident. However, many people are not aware of the specific scope of insurance claims, so when they need to make a claim, they are told by the insurance company that they cannot make a claim, which is helpless at this time.  This is not the case there are many kinds of insurance, and their protection varies, generally, commercial insurance is divided into four categories: critical illness insurance, medical insurance, accident insurance, and life insurance.

First of all, we need to be clear about what they each cover to know what their claims are, and then apply for insurance claims, which can improve the efficiency of claims.

Critical illness insurance is specifically designed to pay for major illnesses. The insurance industry specifies 28 critical illnesses, and every critical illness insurance product is the same and will cover these 28 critical illnesses. According to the claim requirements, these diseases can be divided into 3 categories: payout when diagnosed: for example, cancer; payout after surgery: for example, major organ transplant; payout after reaching the agreed state: for example, post-stroke. The money paid out by critical illness insurance can be spent however you want, to pay for treatment, pay rent, buy nutrition, etc. But critical illness insurance does not cover everything, such as minor illnesses, diseases that are not within the definition of critical illness, hereditary diseases, congenital diseases, etc., which you are denied with critical illness insurance.

Medical insurance is used to reimburse medical expenses, whether it is for major illnesses, or ordinary minor illnesses medical insurance can reimburse outpatient and inpatient medical expenses. However, not all medical expenses can be reimbursed, for example, cosmetic surgery, childbirth, medical checkups, etc., which cannot be reimbursed.

If you already have a certain disease before you are insured, such as high blood pressure, these are also not covered. In addition, medical insurance reimbursement generally has a deductible, for example, the deductible is 10,000, and only part of medical expenses over 10,000 can be reimbursed. Accident insurance can compensate for accidental medical treatment, accidental disability, and accidental death, and must meet the following four conditions: caused by external causes; occurring suddenly; not intentionally; not caused by disease. One of the above 4 conditions is missing, like accidental drowning, accidental car accident, accidental electrocution, these can be compensated. Life insurance claims have the simplest conditions, as long as it is not a case of murder fraud, crime, suicide, etc., they can all be paid. Once the person dies, the insurance company pays out the money.

（Writer：Lawy）