▲ Find out about direct surgery insurance and take a look at cerebrovascular disease insurance, brain disease surgery cost insurance and cerebrovascular surgery insurance ©
[더데일리뉴스] Surgery insurance is a coverage product that can be prepared for situations such as illness, accident, death and sequelae through various configurable coverage contents. It can be seen as a combination of the contents of several individual products and, in some cases, the terms and conditions include coverage for damage to the driver. If you prepare coverage, it can be easier to manage and claim more easily than if you have multiple coverages.
And since diagnostic rates can be defined here, it is also possible to prepare for the onset of serious diseases such as cancer, brain and heart diseases. There are a variety of content to choose from within a single product, but since there are different insurance companies you can sign up for and there are differences between them, we recommend that you check and sign up on a Things comparison site from check when signing up are things like renewal and non-renewal, etc. Depending on whether or not you choose to renew, your future insurance premium and payment period may vary, so you should check each feature.
Those where updates are applied at regular intervals are renewal types, while those where no renewal is expected are non-renewal types. Renewal may mean that your insurance premiums will change and may even be higher. However, you initially sign up for a lower amount than the no-renewal type. Additionally, the renewal type does not establish a separate payment period and payments must be made consistently until the contract expires. For the non-renewal type, the renewal does not occur, but you initially sign up for a higher amount than the renewal type. You can also set up a separate payment period. Therefore, payments may end before your coverage expires.
When you check the details to subscribe to a product, you can check how the cost of the diagnosis is structured. Among the diagnosis fees, the cancer diagnosis fee is a guarantee that exists to prepare for the diagnosis of cancer and has the feature of paying the contractual limit at the time of diagnosis of cancer. This can be said to be different from the medical expense coverage provided by actual expenses. Actual expenses may only cover hospital expenses, but because diagnostic expenses are paid at a fixed rate based on the diagnosis, they can be used in areas other than medical expenses, such as living expenses and nursing expenses.
You should check that the payment limit for cancer diagnosis expenses may vary depending on the type of cancer. In this case, diagnostic fee limits for different categories may be set differentially based on the general cancer coverage limit. Minor cancers and similar cancers may be covered at a lower level, but in some cases they may be similar. For high value cancers, it may be possible to work out a special contract which can be covered at a higher level.
Regarding rates for diagnosis of brain diseases and rates for diagnosis of heart diseases, the range of diseases that can be covered may vary depending on the special contract you sign up to, so it is a good idea to check this. As for the collateral guarantee for the diagnosis fee that can be covered for brain diseases, the scope of the special contract for the diagnosis fee of cerebrovascular disease can be established more broadly than the special contract for the stroke or brain hemorrhage. Regarding the coverage of the diagnostic fee covering heart disease, the special contract for ischemic heart disease may be broader than the special contract for acute myocardial infarction. However, when you sign up here, you can’t decide solely based on scope. You can decide by considering the coverage limit for each and the established insurance premium.
It is also advisable to check the terms of the exemption or reduction period for the relevant coverages. If the exemption period is specified in the terms and conditions, you will not be able to receive cover for a certain period of time after registering, even if it is part of the reason for a complaint. And if the reduction period is specified, you can receive coverage by reducing the amount at the time of payment for a certain period of time after the completion of the exemption period. The reason why related conditions are specified in the terms and conditions is to eliminate the practice of hiding information such as disease history when signing up and then filing a complaint immediately after signing up. For some ages there are no exemption periods or reduction periods and coverage is provided from the moment of subscription, so it is necessary to read the relevant terms and conditions.
There are several coverages you can choose from when getting surgery insurance. To see what differences exist depending on the product and how the insurance premiums differ, we recommend consulting the comparison site.
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