Recently, a friend asked my senior China PICC about critical illness insurance. Let's analyze it for everyone.
Prior to this, Senior Sister has made a comprehensive and detailed analysis of PICC China, including product evaluation, so I will share these contents with you for free. Please click this link for details:
What is the strength of PICC in China? This amazing product is defective ... "
First, for example, is China PICC's critical illness insurance worth buying?
Recently, China People's Insurance Company has introduced two new critical illness insurance modes: mode B with health and mode I with carefree critical illness insurance 202 1.
Senior sister will analyze I worry-free critical illness insurance 202 1 in detail to see what highlights it has.
Let's take a look at the protection map of I worry-free critical illness insurance 202 1:
Advantage 1: the guarantee period is flexible
I worry-free critical illness insurance 202 1, both term protection and life-long protection.
We all know that life insurance is better than term insurance, but the price is also high. For some friends with insufficient budget, you can look at term insurance first, and then choose life insurance when the budget is enough.
If the budget is small, you want lifelong protection, and you don't want to miss good products, then you can consider buying drip insurance, but the insurance amount is too low, because the current average cost of serious illness treatment is 300,000.
Advantage 2: Extra compensation for serious illness
If the insured is diagnosed with serious illness for the first time before the age of 60, my worry-free serious illness insurance 202 1 will reach the basic guarantee amount of 150% for the insured.
This compensation ratio can only be called ok, not particularly high, but it is better than nothing, and the income loss of the insured and the daily living expenses of the family can also be made up.
In addition, at present, the highest proportion in payout ratio is 100% of the basic insurance coverage, and the proportion of extra compensation for some products is mostly 60%~80%, such as Versailles 1, Conway flagship version 2.0, Darwin version 5, etc.
Here, the seniors also summed up several products with extra compensation protection, and friends can compare them with each other. How to say, more comparison is good for them:
Inventory of Top Ten Cheap and Good Critical Illness Insurance
Finally, the school sister talked about dry goods as a welfare for everyone: what problems should I know when buying critical illness insurance?
Second, what pits do I need to avoid when buying critical illness insurance?
1, critical illness protection
(1) Except for the 28 kinds of serious diseases specified by the CIRC, the more kinds of serious diseases, the better. The situation of splitting diseases (i.e. grouping) has never been done.
(2) Compensation amount: In terms of claims, the compensation amount for serious illness can reach 100% of the basic insurance amount, and it is best to bring additional compensation. For example, before the age of 60, you can get 180% of the basic insurance amount for serious illness.
2. Protection of mild and moderate symptoms
(1) Disease types: 28 high-incidence, moderate and mild diseases should be covered. The more types of protection, the better for the insured. There is no grouping.
(2) Compensation amount: the proportion of compensation paid by CSI shall reach 50%, and the compensation shall be paid at least twice. Pay more than 30% for minor illness, and pay at least three times. If you don't meet this standard, you don't have to consider it.
3. Claim threshold
Some insurance companies make their products look good on the surface, but the threshold for claims is inhuman.
Let's take the protection of blindness as an example. The claim principle of product A is that the insured's eyeball must be completely removed to get the corresponding compensation. However, the claim condition of product B is that the insured's vision drops and blindness can be compensated.
It can be understood that the claim threshold of product B is obviously much looser. Therefore, when we buy critical illness insurance, we must carefully look at the claim conditions in the contract, which is very important!
4. Optional guarantee (secondary compensation for specific diseases)
This guarantee is a plus, because most people are not at ease at present, and always feel that some diseases will recur, such as cancer, stroke, cardiovascular and cerebrovascular diseases and so on.
According to the data, the incidence of these diseases is increasing every year, which is really important for some people.
These are common pits in critical illness insurance. Not only that, you should also pay attention to other pits. Because space is limited, I won't go on. You can go here to read the details:
"Take a look at the common pit of critical illness insurance! 》
Write it at the end
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