This insurance product not only covers critical illness protection, but also provides comprehensive health services, claiming to be "everyone's family doctor".
It can be seen that family medical insurance is full of confidence in critical illness insurance, but how sincere it is, let's study it together!
Let's evaluate it together ~
If you are in a hurry, you can take a look at this elite evaluation first:
The critical illness insurance of Fosun United Medical Insurance is unusual, so there is such a double guarantee!
1. What are the advantages and disadvantages of critical illness insurance for family medical insurance?
Let's take a look at the contents of critical illness insurance of family medical insurance, as shown below:
What this chart expresses is that critical illness+optional liability can be said to be the form of critical illness insurance of family medical insurance to provide protection for the insured, and the protection content is not so rich.
Let's analyze the advantages of family medical insurance for serious illness!
1, flexible payment period
The payment method of critical illness insurance of family medical insurance is flexible, which is divided into wholesale payment and regular payment, and the payment period is up to 30 years.
With regard to friends' insufficient budget and payment period, the critical illness insurance of family medical insurance is not bad.
Because the longer the payment period, the less the annual premium, and the payment pressure of the insured can be greatly alleviated.
Secondly, assuming that the insured is exempt from insurance, assuming that the insured suffers from illness during the payment period, it also triggers the exemption of the insured.
After that, you don't have to pay the premium, but the validity of the policy has not changed, saving a lot of money.
How to choose the payment period, the following knowledge needs to be understood in advance:
What kind of payment period is more appropriate?
2. Health services are intimate
After purchasing critical illness insurance, you can enjoy three kinds of health services: health information, early screening of critical illness and medical treatment. The insured and his three immediate family members can enjoy these health services, which is very practical.
People should experience early screening services more.
A very important reason why many people don't want to go to the physical examination is the high cost of physical examination. After the physical examination, it may take a month or two to get paid.
But not without a medical examination. After all, as long as we have regular physical examination, we will find diseases earlier, so as to prevent and treat diseases in time.
Seriously considered the physical examination needs of consumers. At present, the critical illness insurance of family medical insurance provides different physical examination items for different age groups, mainly including 18-45 years old and 46- 105 years old.
In addition, for 18-45-year-old population, screening items such as thyroid nodules, prostate cancer, stomach diseases and early cervical lesions are also provided. Because of the variety of screening items, the insured feels very intimate.
From the beginning to the present, I believe many friends have been looking forward to this product.
But don't worry too much at first. We have enough time to look at the shortage of critical illness insurance in family medical insurance before making a decision.
Next, we focus on the defects of critical illness insurance of family medical insurance:
1, the waiting period setting is unreasonable.
Previously, senior schoolmates specially asked everyone to pay attention to products with shorter waiting period.
Because the insurance company is in the waiting period when it is out of danger, the insurance company will not give any tips and even terminate the contract strictly.
In most cases, the waiting period of critical illness insurance we know in the market is only 90 days. In contrast, the waiting period of critical illness insurance 180 days for home medical insurance is really too long.
2. Lack of basic security
Among the three basic guarantees of mild illness, moderate illness and severe illness, the critical illness insurance of family medical insurance does not have the relevant protection of mild illness and moderate illness, which can make many people stumble here!
It should be noted that mild and moderate diseases correspond to the mild and moderate conditions of 28 serious diseases that must be covered by critical illness insurance. For mild and moderate diseases, consumers' claim threshold can be reduced a lot.
However, the critical illness insurance of family medical insurance can only be reimbursed for serious illness, which also shows that, for example, the insured with only mild and moderate illness will not pay the claim and need to pay the expenses themselves.
There are many good critical illness insurance in the market, which not only has comprehensive basic protection, but also has a good proportion of extra compensation at a specific age.
Just like Versailles 1 this product, the critical illness insurance of home medical insurance is much worse than it. ..
Second, is the family medical insurance critical illness insurance cost-effective? Is it worth buying?
It is no exaggeration to say that the leverage of critical illness insurance for family medical insurance can be said to be extremely low.
It will be more convincing to compare and analyze the products of the same company-A Mu Tong 1.
A Mu Tong 1 not only has a very comprehensive basic guarantee, but also can provide more compensation times for mild and moderate diseases. Regarding the proportion of additional compensation for serious illness, its maximum value is 100%.
If a 30-year-old man buys Astro Boy Mu 1 with a coverage of 500,000 yuan and a 30-year payment, he only needs to pay a premium of 6,900 yuan per year, which is really not expensive.
Under the same conditions, the critical illness insurance premium of family medical insurance is almost the same as A Mu Tong 1, but there are some problems such as insufficient basic guarantee and weak guarantee.
Compared with the "predecessor" A Mu Tong 1 product, there are many shortcomings in the partial protection of critical illness insurance in family medical insurance.
Generally speaking, the health service guarantee of critical illness insurance of family medical insurance is commendable.
However, if you buy this product simply for this health service guarantee, Senior Sister does not recommend it. A large part of the reason is that the critical illness insurance protection of family medical insurance is not recognized by people and the price is not recognized by the masses.
If you want to have a better guarantee, it is recommended to start with these cost-effective products:
Ten critical illness insurance worthy of recommendation and purchase!
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