Today, Senior Sister will take a look at Cherish E Health Personal Critical Illness Insurance (Internet only) with everyone to see if it is really that good. Click on the link below to learn the true face of Zhenai E Health Personal Critical Illness Insurance (Internet exclusive):
Is it worth buying personal critical illness insurance for Bao Lizhen's love for E? I don't think so! 》
First, I love E-Health Personal Critical Illness Insurance (Internet exclusive) to ensure that the content is open!
Senior sister has compiled the protection map of Zhenai E's personal critical illness insurance (exclusive online). Let's see:
Cherish e-students' personal critical illness insurance (Internet-specific) covers a wide range of contents, including critical illness, moderate illness and minor illness protection, and also provides value-added services and medical allowances.
People born between 30 days and 60 years old are allowed to take out further insurance, and the protection period is only one year, which can be described as short-term critical illness insurance.
Senior sister can see that this product also has many advantages. Let's make a comprehensive analysis with you.
1, high flexibility
As can be seen from the protection map, the protection of moderate, mild and hospitalization medical allowance covered by Cherish E-student's personal critical illness insurance (Internet exclusive) is optional protection.
The flexibility of the product is particularly high. When insuring insurance products, you can flexibly choose these guarantees according to your own strength needs!
2. Short waiting time
At present, there are two waiting periods for critical illness insurance: 90 days or 180 days. Cherish electronic health personal critical illness insurance (Internet only) to provide a 90-day waiting period.
Why do seniors always emphasize the waiting period? That's because it has a great impact on the next compensation work!
During the waiting period, the insurance company will not pay the insurance compensation, so this period is also called the insurance observation period.
After comparison, it is definitely a 90-day waiting period, which is more beneficial to the insured because they can enjoy the protection earlier.
In this regard, cherishing E-student's personal critical illness insurance (Internet-specific) is really commendable.
For example, if you don't understand the insurance clauses such as waiting period, you will definitely suffer a big loss. Please collect this raiders quickly:
Before buying insurance, you must first understand these key knowledge points! 》
Second, is personal critical illness insurance (exclusive online) worth buying?
1, poor stability
The biggest disadvantage of one-year critical illness insurance is that the stability of follow-up protection is really poor.
When the coverage period ends, if the insured wants to continue to be covered, he needs to submit an application for renewal to the insurance company.
The insurance company will re-examine the health status and claims of the insured.
If the insured's risk is really high, then the insurance company can directly refuse the insured's application for renewal.
At the same time, if the product is removed from the shelf, it cannot be renewed.
If you want to continue to get protection, you can only choose a critical illness insurance product again, then you need to face a new waiting period, during which there is undoubtedly a certain risk gap.
Comparatively speaking, the stability of long-term critical illness insurance will be higher, and there is no need to go through the renewal review procedures again.
Even if the follow-up products are discontinued, it will not affect the effectiveness of the guarantee.
2. The insured amount is too low.
Cherish E-student's personal critical illness insurance (Internet only) to provide different coverage. At present, critical illness insurance only provides protection of 1.5 million, which is really too little.
Statistics show that the cost of treatment for serious diseases is usually more than 300 thousand, and there are also more than 700 thousand. Therefore, when insuring the critical illness insurance, the senior sister suggested that the insured amount should not be less than 300,000 as far as possible. If the budget is large, you can choose a higher insurance amount according to your own ability. This can further improve the security, and then can well transfer the economic risks brought by serious diseases, and the strength will be very good.
However, there are also some places that cannot be done. Cherish E-student's personal critical illness insurance (Internet exclusive) does not provide the function of self-selected insurance coverage, and the insurance coverage is not much.
Third, the summary of the senior sister
On the whole, the content of personal critical illness insurance (online exclusive) for Cherish E students is not comprehensive enough, and the cost performance is not high, so it is not worth buying by friends who pursue comprehensive protection!
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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