Greater Bay Area, Guangdong Port, can be insured for many major diseases health insurance, and you will be beautiful immediately.
The point of this article is
Is Xinhua Guangdong-Hong Kong-Macao Greater Bay Area critical illness insurance worth buying?
How to judge whether the critical illness insurance in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area is reliable?
1. Is Xinhua Guangdong-Hong Kong-Macao Greater Bay Area critical illness insurance worth buying?
In order to let my friends know about the multiple critical illness insurance in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area, I made a detailed product evaluation chart, as shown below.
As can be seen from the above figure, Xinhua Guangdong-Hong Kong-Macao Greater Bay Area's multiple critical illness insurance has many protection responsibilities. Then, let's take a look at what is worthy of praise or spit in this critical illness insurance product.
Advantages of multiple critical illness insurance in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area;
1, comprehensive disease protection
Xinhua Guangdong-Hong Kong-Macao Greater Bay Area's multiple critical illness insurance covers mild, moderate and severe diseases, as well as complete disease types. What deserves our praise is that Xinhua Guangdong-Hong Kong-Macao Greater Bay Area can use multiple critical illness insurance to pay for malignant tumors up to three times, which is very powerful for people who are concerned about malignant tumors.
Some friends may find that most of the products that pay more for serious illness appear in the form of extra payment for cancer, which means that only by increasing the cost can such protection be obtained. It seems that the setting of multiple critical illness insurance in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area is really good.
Since we have talked about the topic of repeated compensation for cancer, I don't know whether it is important to compensate for cancer many times, so I really should read this article: "Is it necessary to add the second compensation for cancer?" This article tells you the answer! 》
2. Strong characteristic protection.
Xinhua Guangdong-Hong Kong-Macao Greater Bay Area's multiple critical illness insurance not only provides basic protection, but also includes special disease protection for children's specific critical illness, care fund for the previous 10 year and specific critical illness in the Bay Area. As long as the claim conditions are met, the insurance company will pay extra insurance money. Simply put, you can get 200% coverage. This proportion of compensation, Xinhua Guangdong-Hong Kong-Macao Greater Bay Area's multiple critical illness insurance is remarkable.
Disadvantages of multiple critical illness insurance in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area
1, and the proportion of minor illness compensation is low.
In China, the proportion of minor illness compensation in many critical illness insurance is 30%. Unfortunately, the proportion of compensation for minor illnesses in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area is only 20%, and the proportion of compensation is low. In contrast, beneficiaries receive less compensation.
Obviously, in the proportion of mild diseases, the multiple critical illness insurance of Xinhua Guangdong-Hong Kong-Macao Greater Bay Area is not sincere enough.
2. Short payment period and low leverage ratio.
The maximum payment period of critical illness insurance is generally 30 years. The longer consumers pay premiums, the more they can reduce our financial pressure. Coupled with the influence of inflation, the risk will be transferred to the insurance company, and the risk we bear will become smaller.
Unfortunately, Xinhua Guangdong-Hong Kong-Macao Greater Bay Area's multiple critical illness insurance can only support a maximum payment period of 20 years. Comparatively speaking, the leverage is still relatively low.
Second, how to judge whether the critical illness insurance in Xinhua Guangdong-Hong Kong-Macao Greater Bay Area is reliable?
I have prepared a detailed product map of reliable critical illness insurance for you. Senior teaches you how to buy critical illness insurance. Please refer to the figure below for details:
1, comprehensive disease protection
The disease protection of critical illness insurance is divided into mild, moderate and severe diseases. There are some excellent critical illness insurance in the market, which also includes pre-illness protection and more complete disease protection.
Different critical illness insurance products of different insurance companies contain different disease protection contents. If the provisions only provide protection for mild and severe diseases, but not for moderate diseases, such protection is not comprehensive.
2. The insurance coverage should be sufficient.
The coverage of critical illness insurance is very important, which is one of the bases for insurance companies to compensate you. On the premise of sufficient funds, buy as much insurance as possible, and try to be above 300,000.
If you don't know how much insurance you want to buy, you can read this article: "This is the reason to buy enough insurance."
In addition, there are some critical illness insurance that can provide additional protection, such as Xinhua Guangdong-Hong Kong-Macao Greater Bay Area multiple critical illness insurance. If a child is diagnosed with a serious illness before the age of 65,438+08, he can get 65,438+000% extra protection.
If you want to get more claims, senior sister suggests that you give priority to the extra critical illness insurance when buying insurance.
3. The underwriting conditions are relaxed
If you buy commercial critical illness insurance, you need to underwrite it. In this link, your health needs to be fed back to the insurance company. Don't lie about it, but tell the truth.
If there is intelligent underwriting, intelligent underwriting is preferred. Generally, if you can't pass the intelligent underwriting, you choose manual underwriting.
To sum up, Xinhua Guangdong-Hong Kong-Macao Greater Bay Area's multiple critical illness insurance has been quite perfect, but there are still some defects, which need to be improved gradually. If you want to pursue cost-effective critical illness insurance, this article is worth reading. There must be a critical illness insurance that suits you: "What is the new definition of critical illness insurance? These ten models should not be missed.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!