10 Inishuwarenzi Makambani Anopa Critical Illness Insurance

Chirwere Chinokonzera Inishuwarenzi FAQs uye Vanopa

Isu tose tave takakanganiswa nechirwere chinotyisa kune isu, vadiwa vedu kana kuziva mumwe munhu akatambura. Migumisiro inogona kuva nengozi pamari sezvo mabhizimisi ezvokurapa anongoratidzika seanoramba achiwedzera. Haisi chete mishonga yezvechiremba asi iwe unotofanira kubhadhara mari yako yezuva rega yekubhadhara zvakadai sedhani rekugadzira mari, manotsi emotokari, mari yemishandiro yveshuwarisi, mabhizimusi ehurumende uye nezvimwe. Mudzimai wako kana chimwe chinhu chakakosha angavewo asina mari kana asingasviki kubasa kuti akuchengete.

Kuvhiringidzwa kwehutano inshuwarisi ndiko kuchengetedzwa kwakagadzirirwa kubatsira kubvisa marwadzo kumhuri inobata chirwere chinorwara uye kupa mari kuti ibatsire nemari mari kana ichidiwa zvikuru.

Kunyanya Kurwara Kwakaipisisa Inishuwarenzi Inoshanda

Inishuwarenzi yehutano inonyanya kukosha inosanganisira mari inobhadharwa nezvirwere zvakasiyana siyana nezvimwe zvinoratidzwa mumutemo. Apo iyo policyholder inoratidzwa kuti ine imwe yemitemo iyi, kubhadhara mari yemari inobhadharwa zvakananga kune inshuwarisi. Zvinokonzerwa nehutano hwehutano zvinowanzovhara mamiriro ezvinhu aya asi mamiriro ezvinhu akafukidzwa achasiyana nemutemo:

• Kumira kurova kwemoyo
• Cancer
• Stroke
• Organ transplant
• Kuchinja kwomwoyo
• Kuora kweiyo
• Coronary inpass surgery
• Paralysis

Mhando dzeCritical Illness Insurance

Kune matatu maitiro ehutano hwehutano hwehutano huripo huripo:

• Nyaya Yakanyatsojeka Mumwe Munhu: Nyaya yakareruka inorwara yakawanda yehutano inshuwarisi yevanhu inowanikwa mune zvingasvika madhora 50,000. Zvinyorwa zvekunyora pasi hazvisi zvakanyanyisa sekusungirirwa kwekutarisira kwakanyanya kwehuwandu huwandu uye mibvunzo chete yehutano inobvunzwa. Izvo zvirongwa zvinogona kutengesa kumhuri dzakawanda uye zvinogona kutengwa kubva kune iwe pachako unofanirwa nehupfumi wechipurisa.

• Kunyatsonyorwa Munhu Mumwe Nomumwe: Unogona kutenga zvakanyatsonyorwa chirwere cheshuwarisi chehurwere chetachirevhisi chinokwana $ 500,000. Nokuda kwechikwereti ichi chakakwirira chekudzivirirwa, unogona kutarisira kubvunzwa ruzivo rwezvekurapa kubva kune kambani ye inshuwarisi. Iwe unogonawo kukwanisa kutenga rudzi urwu rwehutano hwehutano hwakanyanya kuburikidza nemushandi wako.

• Shanduro Rider: Dzimwe inshuwarisi yehupenyu inopa hutano hwakakosha hwekurwara kuburikidza nekubvumirana kune mutemo (mutungamiri wenheyo).

Mutengo weCritical Illness Inishuwarenzi

Mutengo we inshuwarisi yehutano huripo huchasiyana-siyana zvichienderana nekuwanda kwekutenga kwako kwaunogona kuchinjwa nehupi huripo huripo huri hwehutano. Pamitemo ine chiso chakanaka che $ 50,000 kana kuti pasi, iwe ungasafanira kutora kuongorora mishonga. Iwe unogona kutenga soro rakanyatsojeka redu rinofanirwa kubva kune $ 10 000 kusvika ku $ 50,000. Iko yepayamu inotangira kubva ku $ 180 kusvika kudarika $ 1,500 gore negore uye inogona kukudhura iwe kana iwe uri mufaira wefodya. Kana uchida mari yakawanda kupfuura $ 50,000, uchafanira kuzadza mhinduro yezvechiremba kuti uone kana iwe uchikodzero uye wobva wagamuchira puroti yekutenga mutemo. Zvechokwadi, iri pfungwa yakanaka yekutengesa kupoteredza nhepfenyuro yekuenzanisa yveshuwarisi kuti uwane zvakanakisisa pane inishuwarenzi.

10 Inishuwarenzi Makambani Anopa Critical Illness Insurance

1. Aflac : Dambudziko rekutendeseka rinobvumirwa riripo kuburikidza neAflac risina mibvunzo yezvechiremba yekupindura. Aflac inopawo One Day Pay uye imwe sarudzo inofanira kubhadharwa mubhadharo yemari kana nguva. Kushandisa One Day Pay, kana iwe uchitumira kudai kuburikidza neAflac's SmartClaim system ne3: 00 masikati Echechi, unofanira kubhadhara chikwereti zuva rakatevera kuti zvikwereti zvakakodzera. Nokuda kwezvimwe zvirevo, izvi zvinowanzorongwa mumazuva matatu kusvika mana.

1. Kuwirirana kweOmaha : Kuwirirana kweOmaha kuripa 100 muzana zvakanyanya kubatsirwa nemamiriro aya pasi pehutano hwehutano hwakakosha: chirwere chemwoyo (myocardial infarction), kenza inopisa upenyu, chirwere, chirwere cheAlzheimer, chirwere chikuru chekunyora, kuora mitezo, hosha kusagadzikana, kupofumadza kana matsi . Chimwe chikomborero chiduku, 25 muzana yehuwandu hwekubatsira inowanikwa kune izvi: mamiriro ekutanga aronary opera chirwere, first coronary angioplasty uye kutanga carcinoma in situ.
2. Colonial Life Insurance Company : Upenyu hwemakoloni hunopa mukana wekubhadhara mari yemamiriro ezvinhu akafukidzwa pasi pehutano hwehutano hwehutano inshumo kusanganisira mwoyo kusangana (myocardial infarction) kupera kwemaitiro renal kusakundikana, chirwere chegoni chinoshandiswa nekuvhiyiwa, chirwere chepakati kana chikuru chekugadzirwa kwemuviri. Iwe unogona kugamuchira zvimwe zvikwereti kana iwe uongororwa uine mamiriro ezvinhu akafukidzirwa mumutemo.

1. Principal Financial Group : Mutungamiri weChirongwa cheMari weChishanu weHedheni weChishanu unopa mari yakawanda, kubhadhara mitero isina kubhadharwa nekenza, kukanganisa kwechimiro chikuru, kurwisa kwemwoyo uye urongwa hwehutachiona huripo. Hapana kuongororwa kwechiremba kunodiwa uye kubhadhara kunobhadhara pasinei nezvimwe zvekurapa. Kune hutano hunobatsira uye miripo yakawanda inowanikwa kana iwe uchitaridzirwa une zvinopfuura imwechete yakavharwa.
2. Assure Life Life Company : Kuchengetedza kuchabhadhara zvakanyanya kubatsirwa kwekurwadziwa kwepfungwa, kenza kana kuora mwoyo pasi pehutano hwehutano hwakanyanya. Coverage inowanikwawo kune mamwe mamiriro uye zvirwere. Iwe unogona kutenga mutemo kana kuwedzera mutasvi wema inshuwarisi yehupenyu hwako. Kutarisa zviyero zviripo kubva pa $ 5,000 kusvika ku $ 500,000.
3. American Fidelity Assurance : Lump sum iyo inowanikwa kune zvirwere zvakakodzera kuburikidza nehutano hwehutano hwehutano hunopiwa neAmerica Fidelity Assurance. Iyo inoratidzira kurwisa kwemwoyo, kukuvadzwa kwekusingaperi kunokonzerwa nekurohwa, kukanganisa kukuru kwomuviri uye kupisa kukuru. Iyi ndiyo hurongwa hwevashandirwo uye zvibatsiro uye zvisarudzo zvekugovera zvinogona kusiyana nehurumende.
4. Guardian Life Insurance Company yeAmerica : Life Guardian inopa chirongwa chinorwara chetachiona chekutarisana nemadhora anosvika ku $ 50,000 uye inosvika zvinopfuura makumi matatu zvirwere zvakanyanya uye zvinetso. Iyi inoronga hurongwa uye mushandi uye vanovimba naye vanovharwa. Imwe mutasvi wemhuri inowedzera huwandu hunosanganisira kuvhara nekuongorora kudzivirira uye miedzo yakadai semammograms.
5. Assurant Health Insurance Company : Assurant's critical illness plan inopa kugoverwa kwemamiriro ezvinhu akasiyana-siyana uye zvirwere zvinosanganisira kenza, kushaya mwoyo uye kurwara. Kubatsirwa kunobhadhara pasinei nezvimwe zvekurapa. Nyaya yakagadziriswa yakasarudzwa inowanikwa. Ichi chinyorwa chinowanikwa kuburikidza neurongwa hwevashandi. Coverage haisipo mune zvese zvese.
6. Combined Insurance Company : Combined Insurance Company inopa hurongwa hwekuchengetedza huripo hunobhadhara chikwereti chekubhadhara kwemamiriro ezvinhu akabatanidzwa kusanganisira kugoverwa kwemuviri, Multiple Sclerosis, kushaya mwoyo, kurwara, kuora kwepfungwa, kupererwa kwepvo nekumwe. For the states of CA, CO, DC, ID, MD, MI, MT, NM, NC, OR, uye WY; Zvikwereti hazvibhadhari kunze kwekuti bhizimisi inopona mazuva masere anotevera mushure mekurasikirwa kwakavigwa.
7. AIG : Mutemo unotambudza kubva kuAIG unonzi CriticalCare Plus uye unobhadhara mari yakawanda yezvirwere zvakakomberedzwa kusanganisira coma, kenza inopararira, sitiroko, kupererwa kwepvo, kuparara, paraplegia, kupisa kwakanyanya uye nezvimwe. Mari inobatsira inowanikwa kubva ku $ 10 000 kusvika ku $ 500,000 kwemakore gumi, makore gumi nemashanu, makore makumi maviri, makore makumi matatu kana kuti zvoupenyu hwose.

Kufunga nezvekutenga Chirwere Chirwere Chirwere

Hapana munhu ane kristin bhora kufanofungidzira apo chirwere chinotyisa chicharova. Kana tikadaro, isu tose taizogadzirirwa zviri nani. Kunyange zvazvo hutano hwako hwehutano inshuwarisi huchipa humwe hutano, pane zvingangove zvakakosha zvemamiriro ezvinhu anoda kuendeswa mberi. Vanhu vane mhuri yekenza, chirwere chemoyo, chirwere chepfungwa kana chimwe chirwere chinogona kunzwa chinonyatsogadzikana kuva nechidziviriro chakawedzerwa panzvimbo. Zvisinei, kunyange kana pasina nhoroondo yemhuri yezvirwere zvakadaro kana mamiriro ezvinhu, izvi hazvirevi kuti hazvizovi nzira yako. Iwe chete iwe unogona kuva mutongi kana inshuwarano yehutano inokosha inonzwisisika iwe nemhuri yako.