What are health benefits, critical illness insurance and minor illness insurance?

There are many products with "health blessing" in the name of critical illness insurance products on the market. I don't know which one the subject asked. Take life-long critical illness insurance 202 1 under Guohua Life Insurance as an example. This product can cover 50 kinds of mild diseases, such as mild stroke sequelae and cancer in situ, and can be paid for up to 3 times, and each time it can pay 30% of the basic insurance amount.

Before entering the relevant evaluation, please understand the precautions for purchasing critical illness insurance: which is good for critical illness insurance and how to buy it is cost-effective, and teach you to avoid these pits of insurance.

Let's take a look at the protection map of China Life Welfare Lifelong Critical Illness Insurance 202 1:

All people born between 28 days and 50 years old have the opportunity to apply for national health welfare lifelong critical illness insurance 202 1. This product can be guaranteed for life, and the waiting period is 90 days. Consumers can choose 20 or 30 years to pay when they are insured.

During the insurance period, the National Health Welfare Lifelong Critical Illness Insurance 202 1 can provide three basic guarantees, including the most serious illness exemption of the insured and the second/third serious cancer protection. Consumers can also choose additional death protection and specific serious illness protection.

You can come here to learn more about this product: I heard that Guohua National Health Welfare 202 1 is very good? Pay attention to this before you start!

The highlight of National Health Life Critical Illness Insurance 202 1 is the short waiting period (only 90 days). Compared with some similar products with a waiting period of 180 days, the insured can enjoy the full protection of the products earlier.

Moreover, the payment period of National Health and Welfare Lifelong Critical Illness Insurance 202 1 is also relatively long. You can choose to pay for 30 years, which can alleviate the payment pressure of consumers in each period to the greatest extent.

However, the deficiency of National Health Welfare Lifelong Critical Illness Insurance 202 1 is also obvious. The upper age limit of this product is not high, and it only supports people aged 50. Compared with most similar products with the upper age limit of 55 years on the market, the National Health and Welfare Life Critical Illness Insurance 202 1 is not friendly enough for the insured population aged 5 1-55 years.

Finally, attach a list of high-quality critical illness insurance products, which you can take away directly: ten popular critical illness insurance stocks worth buying.

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