The Ministry of Health and Welfare recently announced that among the top ten cancers for women, 4 are unique to women. In addition to taking advantage of the Women’s Day discount to reward yourself, Global Life also recommends that women must have three major protections, including pay-as-you-go medical insurance, Multi-payment type cancer insurance, major injury insurance, etc., to cover future risks.
Women work hard in the workplace and at home, and they must take good care of their health, especially gynecological diseases, such as endometriosis, chocolate cysts or breast-related diseases. Usually the treatment process is a long way, and the treatment costs are also For financial risks that cannot be underestimated, Global Life recommends planning three major guarantees as early as possible to withstand future risks.
Essential protection one: pay-as-you-go medical insurance
Global Life recommends that women of all ages must have “pay-as-you-go medical insurance”. It is best to plan a higher insurance coverage, because self-paid items and amounts are getting higher and higher, coupled with advances in medical technology, if you want to To have better medical quality or to choose new types of surgery or treatment, it is generally necessary to bear the medical expenses not covered by the health insurance, and the out-of-pocket medical expenses for hospitalization or surgery can be covered by the out-of-pocket medical insurance.
Take women’s endometriosis and chocolate cysts as examples. If a doctor uses Da Vinci surgery to deal with it, the pay-as-you-go medical insurance will come in handy if the health insurance is not paid.
Global Life also reminded that because the product design of each company is not the same, in addition to evaluating whether the coverage meets the needs, you should also plan a sufficient amount of coverage to achieve the protection effect when needed. At the same time, it can also be matched with the “deductible amount”. “Medical insurance” to meet the demand for higher medical quality.
In addition, when applying for insurance, you must also pay attention to the restrictions on the insured medical insurance on the claim application documents, such as whether it is acceptable to apply for a claim with a copy of the receipt, so as to avoid the dilemma of not being able to settle the claim after spending money on the insurance.
Essential protection 2: Multi-payment cancer insurance
The Ministry of Health and Welfare recently announced that among the top ten cancers in women, 4 are unique to women, including female breast cancer, ovarian cancer, uterine body cancer, and cervical cancer. In addition, in the Ministry of Health and Welfare survey on menopausal women’s waist circumference and three high diseases , Found that the death rate of female heart disease, diabetes, cerebrovascular disease and hypertensive disease increased at a rate of nearly double every 5 years after the age of menopause.
Therefore, Global Life recommends that the female population, in addition to the pay-as-you-go medical insurance, can plan for the two essential protections of multiple-payment cancer insurance and major injury insurance.
Global Life said that with the development of medical technology, cancer is not an incurable disease for a long time. However, due to the lengthening of the treatment period, more medical expenses need to be invested. Although some chemotherapy and targeted drug health insurance provide full or partial benefits, With more targeted drugs and new immunotherapies, people need to bear the treatment costs on their own, which may cost more than one million yuan a year.
With multiple benefit cancer insurance, in addition to the benefits for the first cancer, as long as the cancer needs treatment, you can apply for compensation again every year, which can provide huge economic backing for patients with long-term treatment, recurrence or cancer.
Essential Protection Three: Major Injury Insurance
Global Life further explained that the major injury insurance that chooses a one-time payment can be used to supplement the lump-sum payment for the first cancer. Major injuries and illnesses of health insurance also include cancer. Even the relatively minor first-stage breast cancer and first-stage cervical cancer are included. As long as you obtain a major injury certificate, you can apply for a claim.
In addition, in addition to the 22 items currently listed in the policy clauses, in the future, if health insurance has announced new major injury items at the time of diagnosis, they will also be covered by the claim. The coverage can be said to only increase and not decrease, and the insured can Choose a better treatment at the early stage of the disease and make up for the economic risk of reduced income.
Global Life reminds female friends that before carrying out protection planning, you must carefully analyze your life style, job type, family medical history and financial ability, etc., in order to help you achieve the best protection and limit.
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