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Claims case: A 15-year-old boy suffered from two serious illnesses in three years, and Xinhua Insurance paid multiple compensations

Claims case: A 15-year-old boy suffered from two serious illnesses in three years, and Xinhua Insurance paid multiple compensations


  

Case details

  Mr. Z from Yili, Xinjiang insured his son Xiao Z with Xinhua Insurance in 2018“Multiple protection of critical illness insurance for teenagers”, insured amount 100,000 yuanthe annual premium is 2,510 yuan.

  In September 2020, little Z, who was only 15 years old, suffered from symptoms such as abdominal pain, diarrhea, and bloody stools intermittently. After systematic examination, little Z was diagnosed withChronic renal failure (uremic stage). After more than three months of regular hemodialysis, Mr. Z applied for a major illness claim from New China Insurance.After review, Xiao Z’s accident meets the liability of end-stage renal disease critical illness insurance, and Xinhua Insurance will payCritical illness insurance 100,000 yuanandCare insurance premium of RMB 100,000 in the first 10 years,at the same timeWaiver of late premium of RMB 45,000the insurance contract continues to be valid.

  In August 2023, Xiao Z developed lower limb weakness. After a comprehensive examination at the hospital, he was diagnosed withAortic dissection type B. Mr. Z once again submitted a major illness claim application to New China Insurance. Little Z’s accident was in compliance with the liability for critical illness due to aortic dissection, and New China Insurance paid again.Critical illness insurance 100,000 yuan. Up to now, “Multiple protection of critical illness insurance for teenagers”Critical illness compensation has been paid twice,Total compensation of 300,000 yuanthe insurance contract continues to be valid.

  After receiving the second critical illness compensation, Mr. Z personally delivered“Xinhua Insurance is sincere and trustworthy, and Kuaiyi’s claim settlement service is in place”banner to express the family’s gratitude to New China Insurance and its policy service staff.

Case Enlightenment

Serious diseases are gradually becoming younger, even at younger ages. For example, the young client in this case was in his prime and suffered from serious diseases twice within 3 years. Only when risks really come will we realize the cruelty of reality and the unpredictability of risks. Fortunately, Xiao Z’s parents have a certain concept of insurance protection and have provided sufficient protection for their small customers, which alleviated the dilemma to a certain extent.

When purchasing critical illness insurance for your children, you can configure the risk insurance amount as high as possible within the scope of family conditions, and choose insurance products that can pay multiple claims as much as possible. Many serious illnesses have high long-term survival rates, but it is difficult to buy health insurance after they are cured. Multiple claims are required to protect against new serious illnesses. New China Insurance protects customers throughout their life cycle, giving them extra peace of mind when facing major illnesses.



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