In recent years, thyroid cancer has become increasingly prevalent. According to this year’s cancer data, its incidence ranks third, affecting both men and women at high rates.
Recently, we also released our annual claims report, which highlighted thyroid cancer as one of the top conditions for claims. Today, we’d like to share a real-life thyroid cancer insurance claim case to demonstrate how critical illness insurance provides compensation for such diagnoses. First, let’s review the claim summary: Now, let’s delve into the detailed claims process. 1. The Claims Process: A 500,000 Coverage Policy Resulted in a 900,000 Payout Ms. L (pseudonym) had followed our public account for years, read many of our articles, and developed an awareness of insurance. In 2021, with the assistance of our planner, she purchased a critical illness insurance policy from Xintai Life Insurance, specifically the “Super Mary 3 Max” plan. Just two years later, Ms. L was hospitalized for thyroid nodule surgery. Postoperative pathological tests confirmed a diagnosis of thyroid papillary carcinoma. The critical illness insurance she had purchased earlier proved invaluable at this time. The next day, Ms. L contacted our claims specialists. After an initial assessment, our experts determined that her condition met the critical illness claim criteria outlined in the Super Mary 3 Max policy. Our claims team promptly guided her through the process, advising her to prepare medical records, pathology reports, and other necessary documents to submit her claim. Within a month of submission, the insurer approved her claim, deeming it eligible for critical illness compensation. Ms. L received a lump-sum payout of 900,000 CNY. At this point, some may wonder: Didn’t Ms. L only purchase 500,000 in coverage? Why was the payout 900,000? This discrepancy is tied to the timing of her policy purchase and the specific product features. Ms. L’s policy was purchased before the new critical illness definitions took effect, when thyroid cancer was still fully covered under the critical illness clause at 100% of the sum insured. Additionally, the Super Mary 3 Max policy she selected offered robust critical illness coverage, including a 180% payout if diagnosed before age 60. As a result, Ms. L received the substantial 900,000 payout, which allowed her to focus on treatment and recovery without financial stress. We also remind our clients: If you’ve purchased insurance through us and encounter a claim situation, contact your planner immediately. For claim-related inquiries, disputes, or unjust denials, Deep Blue Insurance’s claims experts are available to assist and intervene.First, follow the official WeChat account ‘Shenlanbaozhuanxin Insurance Broker,’ then proceed with the following steps.
2. What lessons can be learned from this claims case? From Ms. L’s claims case, we can derive some insights: 1. Do not easily surrender previously purchased critical illness insurance. Ms. L received a critical illness payout of 900,000 yuan primarily because she had purchased an old-definition critical illness policy. Therefore, if you purchased an old-definition critical illness policy before February 2021, especially if you have been diagnosed with thyroid nodules, it is advisable not to surrender it lightly. If the coverage amount seems insufficient, consider supplementing it by purchasing additional coverage. After February 2021, the new definition of critical illness took effect, and all critical illness policies in the market now classify thyroid cancer for tiered payouts. Most cases, such as Stage I or milder thyroid cancer, are only eligible for minor condition payouts. For those who have not yet purchased critical illness insurance, it is recommended to choose a product that covers critical illness, minor conditions, and intermediate conditions to ensure comprehensive protection. Additionally, Ms. L had a single-payout critical illness policy without optional add-ons like additional cancer coverage. After this payout, the policy terminated, leaving her with no further coverage. This serves as a reminder for those who have not yet purchased health insurance: Prioritize higher coverage amounts for critical illness insurance, starting at least at 300,000 yuan. If budget allows, opt for multiple-payout critical illness policies for more comprehensive protection. For million-yuan medical insurance, choose products with long-term renewal options, such as ‘Blue Health Insurance,’ ‘Changxiang’an,’ or ‘Xin Health Insurance,’ which offer 20-year guaranteed renewal to avoid coverage gaps in case of future serious illnesses. To explore which product suits you best, click the card at the end of the article to schedule a free consultation with a professional planner. 2. What insurance options are available after a thyroid cancer claim? Many individuals who have filed thyroid cancer claims worry about recurrence or other serious illnesses in the future and seek insurance options for financial security. After researching the market, we found a limited number of products still available: For critical illness insurance, ‘Kangleyisheng Easy Underwriting Edition 2.0’ offers standard underwriting for cancer and other critical illnesses if cured for at least 5 years, though it includes mandatory death benefits and is relatively expensive. For million-yuan medical insurance, ‘Good Health Insurance Long-Term Medical (Flagship Edition)’ may provide coverage with exclusions for hyperthyroidism, hypothyroidism, and mild thyroid cancer, while covering other conditions. 3. Final Notes We have previously published extensive content on claims-related insights, case studies, and procedures.However, it was later discovered that people also wanted to learn about real claim cases and understand the claim services we can provide.
