The advantages and disadvantages of insurance products are mainly reflected in the content of protection, so take a look directly. First of all, let's take a look at the protection content of multiple versions of critical illness insurance of health insurance.
Understand the basic information. Look directly at its advantages and disadvantages.
Advantages:
1. Repeated payment for serious illness without grouping.
The critical illness insurance does not pay the second compensation for the group's critical illness, and the insurance coverage is gradually increased and the protection is gradually strengthened.
Serious illness is not paid in groups, that is, the insured has two serious illnesses, and claims are no longer plagued by grouping problems.
As long as you meet the claim conditions, you can get a claim.
2. Flexible insurance
The guarantee period of this critical illness insurance product can be selectively guaranteed to 70 years old or for life. It not only provides phased disease protection, but also provides lifelong stable disease protection.
We can reasonably choose the guarantee period according to our own needs.
3. Extra compensation for serious illness
Critical illness insurance, a multiple version of health insurance, not only pays for critical illness many times, but also guarantees to pay an additional 50% of the basic insurance amount after meeting certain conditions.
The insured can get 150% of the basic insurance amount as long as he suffers from the serious illness agreed in the contract for the first time before the policy.
Disadvantages:
1. The insurance age range is narrow.
The insurance age range of this product is from 28 days to 45 years old, which is narrower than similar products of 0-50/55 years old.
2. Don't bring your own death protection
Although this product provides the responsibility of death protection, it is an optional responsibility, and only consumers can get the corresponding protection by paying extra foreign money.