Urban: Becoming a principal from a junior college!

After suffering a serious illness and paying compensation.

Can the insurance be renewed?

This is simply incredible.

It’s hard to say enough about charity.

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

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

That will accelerate the decline.

The chance of getting sick is greatly increased.

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

Then count yourself lucky if it was discovered and cured early.

There is also a high probability of recurrence.

Ninety-nine percent of insurances face these customers.

They can only refuse to renew the policy.

But Xingchen Critical Illness Insurance did the opposite.

The only requirement for allowing the policy to be renewed is to double the premium.

To be honest, this fee is really not harsh.

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

After all, relapse is likely.

But if you get sick, you can't buy insurance, and if you relapse, you have to rely on yourself.

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

Not to mention a lot of surgeries and medicines.

These are not covered by medical insurance reimbursement.

If you want to be effective, you have to use self-funded medicines that are outside the scope.

Most people simply cannot afford it.

Even relatively wealthy families will be dragged down.

This resulted in many tragedies.

But the emergence of Xingchen's critical illness insurance completely changed everything.

You can continue if you are sick.

You can also renew after being reimbursed.

As long as the 5 million quota is not used up, it can be renewed.

And most people are sick.

One to two million is enough.

The five million limit is basically enough to ensure that the insured does not have to worry about treatment costs and can leave this world safely.

This is the kind of insurance that can truly give people a sense of security, so that policyholders no longer have to worry about falling ill and not having money for treatment, or being a drag on their family.

If you see the first two introductions of Xingchen Insurance.

Some netizens still think it is expensive.

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

I even think it’s worth it.

After all, even if you pay lifetime insurance from birth to 100 years old, it will cost you 650,000 in the first 65 years and 700,000 in the next 35 years.

That's 1.3 million.

1.3 million, and a treatment quota of 5 million that will never expire.

It is enough to ensure that no one will ever have to worry about any serious illness in their lifetime.

this moment.

Many netizens have made up their minds.

Switch to critical illness insurance from another insurance company.

Choose Star Critical Illness Insurance.

It's expensive, but it will last a lifetime.

Many parents have already made plans to insure their children.

This ensures that the child can live a carefree life.

…

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

There are also items 4 and 5 below.

Article 4: “In order to ensure that insurance products can 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 because of the possible cost changes."

"Insurance may increase in price as a result."

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

"Customers who are willing to accept it and cover more diseases can directly pay to upgrade."

Seeing this, netizens nodded in agreement.

I don’t think Xingchen Academy is too greedy and is still thinking about raising prices.

On the contrary, I very much agree with it.

After all, times are changing.

The high incidence of human diseases is also changing with the advancement of lifestyle and technological level.

For example, the incidence rates of bladder cancer and thyroid cancer are increasing year by year among the top ten in the world.

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

Another example is non-Hodgkin lymphoma, which many people have never heard of. In the past two years, it has entered the top ten in the world in terms of incidence.

The rapid development and changes of human society require insurance to also develop and change rapidly.

But most insurance companies will not upgrade old products.

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

And some will upgrade old products.

But in fact, it has quietly reduced many of the protections that should have been there.

And Xingchen Critical Illness Insurance is undoubtedly the best.

If you want better protection, add money to upgrade.

If you don’t want to spend more money to cover that kind of disease, it doesn’t matter. You can continue to use the old one.

While providing better protection, it also fully gives everyone the right to choose.

In recognition.

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

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

"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 Hospital for medical treatment..."

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

"When the patient's condition is critical and the local medical level is unable to complete the required surgery, and the patient's physical condition cannot bear the transfer to another hospital, Star Critical Illness Insurance will provide the patient with compliant knife-throwing services..."

"Doctors for flying knife surgery will be provided by Xingchen Affiliated Hospital."

"All additional expenses required for flying knives will be included in the reimbursement scope of Xingchen Critical Illness Insurance."

"Note 1: Xingchen Affiliated Hospital has not yet opened, so this service is temporarily unavailable."

"However, Xingchen Critical Illness Insurance promises to open up cooperation channels and provide this service to all policyholders within one year of the opening of the affiliated hospital."

"If the service fails to be launched as scheduled."

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

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

"If the insured's disease status can be treated by local hospitals, Xingchen's exclusive medical channel service will not be provided."

"If the insured person's illness is not such that he cannot travel and be transferred to another hospital, the knife service will not be provided."

See this.

Netizens’ expressions of surprise could no longer be suppressed.

Xingchen critical illness insurance actually provides admission channels to Xingchen affiliated hospitals, and even provides knife throwing services?

This was definitely an unexpected surprise.

Although the Xingchen Affiliated Hospital has not yet opened.

But because of the performance of the Xingchen Campus Hospital and the various tasks performed by the medical students.

Netizens have great trust in the quality of Xingchen Affiliated Hospital.

My only worry is about Xingchen Affiliated Hospital.

I'm just afraid that I won't be able to get in line by then.

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

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

But it's also a guarantee.

After all, it’s so difficult to register for a good hospital and how difficult it is to be hospitalized.

Anyone who has been to Concorde knows this.

You really have to queue up a day in advance and at night to register.

But I want to be hospitalized in Xiehe Hospital for surgical treatment.

Then you have to wait for a bed.

There are people who can’t wait for a bed even after waiting for three months.

Waiting for so long can be fatal for patients.

And with the medical services provided by Xingchen Critical Illness Insurance.

For most ordinary people who have no connections or channels.

It can undoubtedly save lives at critical moments.

As for the Xingchen Affiliated Hospital, 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 go online as scheduled, it will refund the money plus liquidated damages.

Being so confident, there must be no problem.

…

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

simple.

But it conquered all netizens at once.

After reading it, those who were still hesitating immediately made a decisive decision.

Buy early and enjoy early.

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

After all, Star Critical Illness Insurance not only provides funds for treatment, but also provides effective life-saving medical services at critical moments.

This kind of insurance, 10,000 yuan a year is really a good idea.

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

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

So it was only at the moment when Xingchen Critical Illness Insurance came online.

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

Countless attention.

Full of praise, after all, this is the insurance in everyone’s imagination.

Rather than those insurances that only want to defraud your principal and don’t want to pay claims at all.

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

I found that I was beaten in all directions.

If you don’t pay for this, you won’t pay for that.

A disease can be divided into several states.

The dense insurance clauses are incomparable to the 3,000-word insurance clause of Xingchen Critical Illness Insurance.

As a result, many insurance companies have also been on the hot search list.

But it is different from Xingchen critical illness insurance.

They just came here to be scolded.

Such popularity has undoubtedly attracted more netizens who are interested in buying.

Xingchen critical illness insurance has two purchase methods, online and offline.

Just buy online directly on the website.

Offline, you have to go to Xingchen Insurance’s after-sales review points 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 people in Tianhai City to purchase.

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

Team formation in Beijing, Shanghai, Guangzhou and Shenzhen will begin next month.

After the first-tier cities are covered, the second-tier cities will be covered for a period of two years.

During this period, consumers in other regions purchased insurance.

Although Star Critical Illness Insurance will definitely provide services.

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

Therefore, it is recommended that policyholders establish local or surrounding service branches before purchasing.

Secondly, buy Xingchen critical illness insurance.

It is necessary to upload a physical examination form from a second-class or above hospital within three months, and there are requirements for the content of the physical examination.

Medical examination forms from private hospitals will not be recognized.

At the same time, patients are not allowed to conceal their past medical history.

After all, although Star Critical Illness Insurance is conscientious, it also has to make money.

If the insured becomes ill midway, the policy can be renewed.

But if the policy holder now has a similar disease and asks the other party to take out the insurance, it would really be pure charity.

This is naturally impossible.

On the purchase page, Xingchen Financial Company also specifically marked it in red letters.

If you forge medical examination forms, forge, and conceal past illnesses that do not meet the insurance requirements, you will purchase insurance.

If you are really sick, your claim will definitely be denied.

And once a similar situation is discovered.

Even the premium paid previously will not be refunded.

But netizens are not disgusted with this, and most of them agree with it.

After all, insurance is essentially paid out with the money of all policyholders.

If Xingchen Financial Company was conscientious in its insurance policies, it would allow people to take advantage of loopholes.

Then they have to hesitate whether to insure themselves.

After all, there are people taking advantage of loopholes everywhere, and the compensation money may be wiped out soon.

By then there will be a thunderstorm and it will be over.

In addition, online purchases also require real-name authentication.

A video interview is also required.

People from Xingchen Insurance Department will also make an appointment with the policy holder after the purchase is successful.

Confirm the other party's status.

…

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

Even people outside Tianhai City.

Many people insist on buying insurance now.

After all, they also feel that they are unlikely 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 Xingchen Financial Company will definitely take care of it.

That being the case, why not buy now?

Buy early and enjoy early.

In short, no one expected it.

The purchase conditions of Xingchen critical illness insurance are strictly reviewed.

On the contrary, everyone’s desire to buy has increased.

After all, most insurance companies make exaggerated claims when purchasing, as if everyone can buy them.

Anyway, you bought it first, and you will have to decide whether to pay for it in the future.

It looks like I just want to make money from you.

But Star Academy is not.

This is obviously the attitude that everyone imagines a regular insurance company should have.

I want to make money, but I also need you to comply with the rules.

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

Otherwise, more compensation will be paid in the future.

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

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

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

Such incidents are common in the country.

But in Star Academy, it never appeared.

This is also the reason why the subsidiary of Star Academy is trusted by the public.

…

That's it.

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

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

Citizens of Tianhai City who happened to have had a physical examination 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 grade hospitals for physical examination.

For a time, the entire physical examination department of Tianhai City Public Hospital was overcrowded.

Tianhai City citizens’ enthusiasm for purchasing.

Far beyond imagination.

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

happened together.

It was other insurance companies that found that the renewal rates of their own critical illness insurance products plummeted.

To know.

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

After all, there are sunk costs.

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

If I don't renew my insurance, won't the money I spent last year go down the drain?

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

And the longer it lasts, the higher the renewal rate.

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

Unless someone commits suicide or some 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 has been calling customers these days to discuss insurance renewal matters.

Eighty percent will be rejected by customers.

As for the reason for rejection?

All those insurance managers were numb.

I didn’t even bother to ask afterward.

The senior management of the insurance company knew the reason without reading the report.

All because Xingchen Critical Illness Insurance is online... (End of this chapter)