The following seniors will take you to analyze, and anxious friends can directly look at the following product evaluations:
Everyone said, "E Life Critical Illness Insurance 202 1", okay? Hehe, don't blame me for throwing cold water on it! 》
Time is really pressing, senior sister will start the evaluation of this electronic health critical illness insurance 202 1 immediately!
First, it is very difficult to uncover the protection of E-health and critical illness insurance 202 1!
Without further ado, I'll submit the product drawings of E Shengping Critical Illness Insurance 202 1:
As can be seen from the above figure, E Shengping's critical illness insurance 2021* * has set up four protection plans, and the coverage age range and critical illness protection corresponding to each plan are different to some extent. You can sit in the right position according to your main needs.
After reading the coverage of E-Health Critical Illness Insurance 202 1, I thought it was excellent, but I found the following problems:
1, lack of protection for moderate and mild diseases.
At present, there are many mainstream critical illness insurance in the market, and the basic protection content will include the protection of serious illness, moderate illness and mild illness.
What needs to be clear is that the compensation threshold for mild illness is looser than that for mild illness, and the occurrence probability of many mild illnesses is very high, and the corresponding medical expenses also need a lot. It can be found that the protection of moderate and mild diseases is very important to us!
However, E Shengping's critical illness insurance 202 1 does not add the protection of moderate and mild diseases, so it is really difficult to provide consumers with more comprehensive protection!
Therefore, friends who have requirements for the protection of critical illness insurance can refer to this list:
"The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》
2. No cancer has been paid many times.
According to a lot of clinical experience, the recurrence rate of cancer patients after the first operation 1 year is 60%, and at least 80% patients die of recurrence and metastasis within 5 years.
In addition, the best technology to treat cancer now is proton heavy ion, but because there are few hospitals providing this technology, the treatment cost of proton heavy ion is particularly high, so it can be seen that many payment guarantees for cancer are of great significance!
However, e's life critical illness insurance (202 1) can't enjoy the multiple payment protection of cancer, which is very heartbreaking!
3. The guarantee period is only 1 year.
E Shengping's critical illness insurance 202 1 is classified as one-year critical illness insurance. If you want to renew your insurance in the future, it is very likely that the insured has not made a claim or stopped selling products because of his own health reasons. In this case, the insurance company has refused to pay compensation, which is not worth the loss!
Therefore, senior sister has been telling you that buying critical illness insurance gives priority to buying long-term or lifelong critical illness insurance.
The reason is that with the development of medical level, the cure rate of many major diseases has increased year by year, and the elderly have died. In order to avoid the huge economic losses caused by the disease to yourself and your family, it is recommended to buy lifelong critical illness insurance!
Of course, how to choose the protection period when buying critical illness insurance, and how long is the appropriate protection period? Here is an article that can help you answer:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
Browsing here, I don't want to talk about the thorny protection of e-Shengping critical illness insurance 202 1, so do you want to buy this critical illness insurance? The following senior will tell you the answer right away!
2. Is the value of Ping An E health and critical illness insurance 202 1 worth buying?
To sum up, Ping An E Health and Critical Illness Insurance 202 1, although the protection plan is very adequate, can meet the different needs of customers.
However, there are many shortcomings in the protection of the product itself, a few of which are lack of moderate/mild disease protection, no cancer payment for many times, and the protection period is only 1 year, so senior sister thinks this product is not worth starting with.
Write it at the end
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