City: Become a principal from junior college!

After having a serious illness and making a claim.

Can I still renew the insurance?

This is simply incredible.

It is not an exaggeration to say that it is charity.

After all, the human body is amazing. When we are healthy, the probability of getting sick is very low.

But once you get some chronic diseases or have a serious illness that requires surgery.

That will accelerate the decline.

The chance of getting sick increases greatly.

And if it is those diseases included in critical illness insurance.

If you are lucky, it can be discovered early and cured.

There is also a high probability of recurrence.

And 99 percent of insurance is for these customers.

All they can do is refuse to renew the insurance.

But Xingchen Critical Illness Insurance does the opposite.

The only requirement for allowing renewal of the policy is to double the premium.

To be honest, this charge is really not excessive.

You know, even if you are lucky enough to recover from a serious illness, the psychological pressure will be great.

After all, relapse is very likely.

But if you get sick, you can’t buy insurance, and if the disease relapses, you have to rely on yourself.

Even with medical insurance reimbursement, the remaining out-of-pocket expense is not a small amount.

Not to mention the many surgeries and medicines.

These are not covered by medical insurance.

If you want to achieve effective results, you have to use out-of-scope self-paid medicines.

The vast majority of people simply cannot afford it.

Even relatively wealthy families will be dragged down.

This resulted in many tragedies.

But the emergence of Xingchen critical illness insurance has completely changed all this.

You can continue if you get sick.

You can continue even if you have reimbursed it.

As long as the 5 million limit has not been used up, you can renew it as often as you like.

And most people are sick.

One or two million would be enough.

The five million limit is basically enough to ensure that the insured does not have to worry about medical expenses and can leave this world peacefully.

This is the kind of insurance that can truly bring people a sense of security, so that the policyholder no longer has to worry about getting sick and not having money for treatment, or becoming a burden on the family.

If you read the first two introductions of Star Insurance.

Some netizens still think it is expensive.

But after seeing this, no netizen thought it was expensive anymore.

Even feel great value.

After all, even if you pay for lifetime insurance from birth to age 100, the first 65 years will be 650,000 yuan, and the next 35 years will be 700,000 yuan.

That's 1.3 million.

One million, three hundred thousand, and a treatment allowance of five million that would definitely not expire.

It is enough to ensure that anyone will never have to worry about any serious illness in their life.

this moment.

Many netizens have made up their minds.

Replace critical illness insurance from other insurance companies.

Choose Xingchen critical illness insurance.

It’s a bit expensive, but it brings you lifelong peace of mind.

Many parents have already made plans to insure their children.

This ensures that children can live a worry-free life.

……

But the key points of Xingchen Critical Illness Insurance are not over yet.

There are also fourth and fifth items below.

Article 4: "To ensure that insurance products always perfectly protect the rights and interests of customers."

"Xingchen Critical Illness Insurance may include more high-incidence diseases in insurance coverage based on disease data."

“But it may bring cost changes.”

“Insurance prices may increase as a result.”

"However, the price increase is not mandatory. Customers who refuse can still enjoy the original services and coverage, and renewal will not be affected."

“Customers who are willing to accept and want more diseases covered can just pay for the upgrade.”

Seeing this, netizens all nodded in agreement.

I didn’t think that Xingchen Academy was too greedy and was still thinking about raising the price.

On the contrary, I agree very much.

After all, times are changing.

Common diseases among humans are also changing with the advancement of lifestyle and technological advancement.

For example, the incidence rates of bladder cancer and thyroid cancer are rising year by year as they rank among the top ten cancers in the world.

For example, the incidence rate of esophageal cancer has fallen out of the top ten in the world.

For example, non-Hodgkin's lymphoma, which many people have never heard of, has entered the top ten global incidence rates in the past two years.

The rapid development and changes in human society require that insurance also develop and change rapidly.

But most insurance companies will not upgrade old products.

If you want new coverage, you have to buy new ones.

Some will upgrade old products.

But in reality, it has quietly reduced a lot of the protection that should have been there.

And Xingchen critical illness insurance is undoubtedly the best.

If you want better protection, pay extra to upgrade.

If you don’t want to spend extra money for coverage for a particular disease, that’s fine, you can just continue using the old one.

While providing better protection, it also gives everyone full freedom of choice.

In a state of recognition.

Netizens looked at the fifth item, which is the last key service.

"Xingchen Critical Illness Insurance will also provide the following services to patients!"

"When the patient's condition is critical and the local hospital is unable to provide medical services, Xingchen Critical Illness Insurance will provide patients with access to Xingchen Affiliated Hospitals for medical treatment..."

"Send the patient to Xingchen Affiliated Hospital for treatment."

"When the patient's condition is critical, the local medical level is unable to complete the necessary surgery, and the patient's physical condition cannot withstand the transfer to another hospital, Xingchen Critical Illness Insurance will provide the patient with compliant Feidao services..."

"The doctor who will perform the flying knife surgery will be provided by Xingchen Affiliated Hospital."

"All additional expenses required for the flying knife will be included in the reimbursement scope of Xingchen's critical illness insurance."

"Note 1: Xingchen Affiliated Hospital has not yet opened, so this service cannot be provided for the time being."

"But Xingchen Critical Illness Insurance has promised that it will open up cooperation channels and provide this service to all policyholders within one year of the opening of the affiliated hospital."

“If the service cannot be launched as scheduled.”

"The insured can unconditionally cancel the policy in full, and Xingchen Financial Company will pay 50% of the liquidated damages..."

"Note 2: To ensure the normal order of Xingchen Affiliated Hospital and to ensure that patients with critical symptoms can enjoy their rights and interests normally."

"The insured's disease condition can be treated in local hospitals, and Xingchen's exclusive medical treatment channel service is not provided."

"If the insured's disease condition is not so severe that he cannot travel to a hospital, the flying knife service will not be provided."

See this.

Netizens could no longer suppress their surprise.

Xingchen Critical Illness Insurance actually provides admission channels to Xingchen’s affiliated hospitals and even provides flying knife services?

This was definitely an unexpected surprise.

Although the Xingchen affiliated hospital has not opened yet.

But because of the performance of the Xingchen School Hospital and the various activities organized by a group of medical students.

All of these make netizens have great confidence in the level of Xingchen Affiliated Hospital.

The only concern about the Star Hospital.

I’m just afraid that I won’t be able to get a number when the time comes.

In this case, purchasing insurance can provide medical treatment and surgical services.

Although there are restrictions, only those with severe symptoms can enjoy it.

But it is also a kind of protection.

After all, it is so difficult to get an appointment and be admitted to a good hospital.

Anyone who has been to Concorde knows this.

You really have to go a day in advance and queue up at night to get a number.

And I want to be hospitalized in Union Hospital for surgery.

You have to wait for a bed.

There are people who have to wait for three months but still cannot get a bed.

Waiting for so long is undoubtedly fatal for the patient.

And there is the medical treatment service provided by Xingchen Critical Illness Insurance.

For most ordinary people who have no connections and no channels.

It can undoubtedly save lives at critical moments.

As for the Xingchen affiliated hospital, it has not been opened yet and it is still a blank check.

No one was worried at all.

Xingchen Affiliated Hospital will definitely open.

Moreover, Xingchen Critical Illness Insurance dares to promise that if it cannot be launched as scheduled, a refund plus liquidated damages will be given.

You are so confident, there must be no problem.

...These five are the main advantages of Xingchen Critical Illness Insurance.

simple.

But it conquered all netizens in one go.

After reading it, those who were originally hesitant immediately made a decisive decision.

Buy early, enjoy early.

Many parents even directly took out their children’s household registration books and wanted to buy Xingchen critical illness insurance for their children.

After all, Xingchen Critical Illness Insurance can not only provide funds for treatment, but also provide effective medical services to save lives at critical moments.

For such insurance, ten thousand a year is really a good deal.

It can be said that looking around the world, there may not be any critical illness insurance of the same level as Xingchen Critical Illness Insurance.

Even if it is available, the price will definitely be more expensive.

So it was just at the moment when Xingchen critical illness insurance was launched.

Xingchen Critical Illness Insurance ranked first in the hot searches on major platforms across the country.

Countless followers.

It received a lot of praise, after all, this is what everyone imagines insurance to be.

Rather than those insurances that only want to cheat you of your principal and have no intention of paying claims at all.

Many netizens compared the critical illness insurance they purchased with that of Star Academy.

I found myself being beaten in all aspects.

No compensation for this, no compensation for that.

A disease can be divided into several states.

Those densely packed insurance clauses are incomparable to the 3,000-word insurance clauses of the Xingchen Critical Illness Insurance.

As a result, many insurance companies also took advantage of the hot searches and made it to the hot search list.

But it is different from Xingchen critical illness insurance.

They just came here to get scolded.

Such popularity undoubtedly attracted more netizens who wanted to buy it.

There are two ways to purchase Xingchen critical illness insurance: online and offline.

Just buy it online directly on the website.

Offline, you need to go to the after-sales review points of Star Insurance in various cities.

Being able to purchase online is undoubtedly very convenient.

However, when netizens clicked the purchase button, a prompt popped up.

Xingchen critical illness insurance is currently only recommended for purchase by residents of Tianhai City.

Because Xingchen Financial Company has only established an insurance review and after-sales department in Tianhai City.

We will start building teams in Beijing, Shanghai, Guangzhou and Shenzhen next month.

After the first-tier cities are covered, the second-tier cities will be expanded, which will take two years.

During this period, consumers in other regions purchased insurance.

Although Xingchen Critical Illness Insurance will definitely provide services.

However, an insufficient after-sales chain may not bring a better after-sales experience.

Therefore, it is recommended that the insured purchase the policy after local or surrounding service branches have been established.

Secondly, purchase Xingchen critical illness insurance.

You need to upload a physical examination form from a Grade II or above hospital within the past three months, and there are requirements for the content of the physical examination.

The medical examination report from a private hospital is not recognized.

At the same time, patients must not conceal their medical history.

After all, although Xingchen Critical Illness Insurance is a conscientious one, it also needs to make money.

The insured can renew the policy if he/she falls ill during the policy term.

But if the insured person currently has a similar disease and still asks the other party to take out insurance, then that would really be pure charity.

This is naturally impossible.

On the purchase page, Xingchen Financial Company specifically noted this in red letters.

If you falsify the medical examination form, forge it, or conceal past illnesses that do not meet the insurance conditions when purchasing insurance.

If you really get sick, your claim will definitely be rejected.

And once a similar situation is discovered.

Even the premiums paid previously are not refunded.

However, netizens are not disgusted by this. Instead, most of them agree with it.

After all, the essence of insurance is to pay compensation using the money of all policyholders.

If the insurance provided by Star Financial Company is conscientious, it would allow people to take advantage of loopholes.

Then they will hesitate whether to take out insurance.

After all, there are people who take advantage of loopholes everywhere, and the compensation money may be emptied out soon.

If the thunder explodes halfway through, it will be the end of us.

In addition, real-name authentication is required for online purchases.

A video interview is also required.

People from the Xingchen Insurance Department will also meet with the policyholder once the purchase is successful.

Confirm the other party's status.

……

Therefore, people who really want to buy it did not give up on buying it because of these requirements.

Even the people outside Tianhai City.

Many people insist on buying insurance now.

After all, they also felt that it was impossible for them to get sick soon.

Totally worth the wait.

Even if you are unlucky, the local after-sales point has not been established yet and you get sick.

Then Star Financial Company will definitely take care of it.

If that's the case, why not buy it now?
Buy early and enjoy early.

In short, no one expected it.

The more you buy Xingchen critical illness insurance, the stricter the review of conditions will be.

Instead, everyone's desire to buy is even higher.

After all, most insurance companies make exaggerated claims when you buy a product, as if anyone can buy it.

Anyway, you bought it first, and you can worry about whether you will be compensated in the future later.

I look greedy and say I just want to make money from you.

But Star Academy is not like that.

This is obviously what everyone imagines a formal insurance company should have.

I want to make money, but you have to follow the rules.

Otherwise, I won’t take your money even if you give it to me.

Otherwise, you will have to pay more in the future.

Many domestic companies are eager for quick success and only pursue immediate profits.

The online disk company launched a permanent VIP, promising permanent free high-speed downloads.

But it didn't take long for them to run away or secretly tamper with the treaty.

Such incidents are very common in the country.

But in Star Academy, he never appeared.

This is why the subsidiaries of Xingchen Academy are trusted by the public.

……

That's it.

Discussions among countless netizens have become free advertisements for Xingchen Critical Illness Insurance.

Helped Xingchen Critical Illness Insurance gain the attention of a large number of target customers.

It happened that the citizens of Tianhai City who had undergone physical examinations during this period chose to buy it without hesitation.

Those who want to buy but have not had a physical examination recently have also made appointments to go to second- and third-class hospitals for physical examinations.

For a time, the physical examination departments of all Tianhai City public hospitals were overcrowded.

The purchasing enthusiasm of Tianhai City citizens.

Far beyond imagination.

In other cities, the number of people undergoing physical examinations has also skyrocketed during this period.

Happened together.

Other insurance companies have found that the renewal rates of their own critical illness insurance products have plummeted.

To know.

Insurance has always been one of the products with the highest repurchase rate.

There are sunk costs after all.

The insured spent money last year and did not get sick.

If I don’t renew the insurance, wouldn’t the money I spent last year be wasted?

Therefore, except for those who have financial difficulties, most people will choose to renew their insurance.

And the longer the renewal period, the higher the renewal rate.

Every successful insurance product can be said to be a cash cow that generates continuous income.

Unless someone commits suicide or a scandal occurs, there won't be much fluctuation.

But these days.

The renewal rate of their critical illness insurance products has plummeted.

The insurance manager called customers these days to discuss renewal matters.

Eighty percent of them will be rejected by customers.

As for the reason for rejection?
The insurance managers were all confused by what they heard.

Didn't even bother asking further.

The senior executives of the insurance company knew the reason without even looking at the report.

All this is because Xingchen's critical illness insurance has been launched... (End of this chapter)