Today, I want to give you a detailed introduction to health, welfare and critical illness insurance. Before we begin, let's take a look at the pit avoidance skills of critical illness insurance: which one is good for critical illness insurance, how to buy it is cost-effective, and teach you how to avoid these pits of insurance.
The protection map of health, welfare and critical illness insurance is as follows:
All people born between 28 days and 50 years old (inclusive) are covered by Health and Welfare critical illness insurance. This product can be guaranteed for life, and payment can be made in 20 or 30 years, with a waiting period of 90 days.
In addition to the protection of the most serious illness, the health welfare critical illness insurance also comes with the exemption of the insured's most serious illness, and sets up three optional guarantees: the second and third stage of malignant tumor critical illness protection, the specific critical illness protection and the death protection.
Regarding the critical illness insurance of health welfare, this article is more detailed: Is Guohua Life Insurance "health welfare" really good? I'm going to tell you the truth today.
The highlight of the health and welfare critical illness insurance lies in the comprehensive protection setting, complete basic protection, practical optional protection, additional compensation for critical illness and short waiting period.
However, there are also some shortcomings in health and welfare critical illness insurance. First, the upper age limit of this product is not high (the upper age limit of the same type of product is 55 years old). Secondly, the proportion of disease compensation based on this product is only 50% (the same type of products can lose 60% of the insurance for this disease), and there are few compensation methods (there are not many options for batch compensation and regular compensation).
In other words, friends who want to buy critical illness insurance suggest buying more high-quality products, such as these: the top ten most popular critical illness insurance stocks worth buying.
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