Although it lacks a lot of protection contents, item A of the cooperative version of China Life Critical Illness Insurance still attracts many people's attention. Why?
Last night, the senior evaluated this product overnight and found many shortcomings. Do those friends who bought the cooperative version A of China Life's critical illness insurance really feel cheated?
After reading this article, I believe my friends will feel the same way as my seniors.
Anxious friends can directly collect the evaluation focus of China life critical illness insurance cooperative version A: Is China life critical illness insurance cooperative version A worth buying?
1. What is the A-type guarantee of China Life Critical Illness Insurance Cooperative Edition?
Senior sister first presents the product protection diagram of China Life Critical Illness Insurance Cooperation Edition A:
It can be clearly seen that this one-year critical illness insurance product without much content is really too simple, only including critical illness insurance! Is this cooperative version of China Life's critical illness insurance good or not? Senior sister will come over to evaluate you right away.
After repeated research, the biggest highlight of the cooperative version of China Life's critical illness insurance A should be the wide age of insurance, which ranges from 28 days to 75 years old.
Because the upper age limit of general critical illness insurance is mostly set below 55 years old, the insurance threshold set in Section A of China Life Insurance for Critical Illness is not too high.
In addition, the seniors didn't realize what attracted us to this insurance, but there were many flaws:
① The guarantee is seriously lacking.
China Life Insurance Co-version A only sets up critical illness insurance on the basic insurance, and only 30 major diseases are covered, and the compensation ratio is only 100% of the basic insurance amount!
We only pay attention to the basic guarantee, and there is no basic guarantee for moderate and mild diseases! We need to make it clear that no matter what kind of excellent critical illness insurance is essential in the market, it is roughly critical illness insurance+median illness insurance+mild illness insurance, and some of them also provide pre-illness protection, so as to provide more complete protection for the insured!
Take the critical illness insurance of Tongfang Global Versailles 1 as an example. Heavy, medium and light three aspects are all included in the basic guarantee, and a variety of high-risk diseases, heavy, medium and light are all included. It can be said that disease protection is really reliable and considerate to consumers!
The following is the coverage map of Versailles 1 high incidence of mild and moderate diseases:
What are the highlights of Versailles 1? Look at this evaluation article and you will know: I want to tell you these truths before buying Tongfang Universal Versailles 1!
② It can only be guaranteed for one year.
China Life's critical illness insurance is a critical illness insurance product, but it is a short-term insurance product with a guarantee period of one year.
Generally speaking, if the critical illness insurance product is only guaranteed for one year, it is really unstable, and the insured may face the problem of renewal and the risk of product suspension.
And as far as this product is concerned, there is still the idea of continuing to buy this product next year. Need to re-apply and pass the examination, once passed, the applicant can continue to apply for insurance. In other words, if the health indicators have declined, including those who have already made claims, they are likely to be refused insurance.
For example, a one-year critical illness insurance product is equivalent to renting a house signed once a year. In this year, this house can shelter you from the wind and rain. Whether the reservation can be renewed on a regular basis depends entirely on the wishes of the landlord, and the stability is extremely weak.
But critical illness insurance products have long-term protection, just like you can live in the house you bought for a long time. In the meantime, for example, if you buy a 70-year-old, you don't have to worry about renewing the lease, and you don't have to think about the next year. Can you continue to live?
Discontinuation of production means that the product can no longer be used. In this way, consumers have to find new products to replace critical illness insurance products. What should consumers do if they can't get the corresponding protection during this vacant period? The sense of security is indeed insufficient.
Therefore, seniors feel that it may be safer to configure long-term critical illness insurance products, so don't worry too much about the sudden stop of protection or the suspension of product sales.
Second, the price of item A of China Life Insurance Cooperative Edition is not worth starting with.
Having said that, can we start with this A-type cooperative version of China Life's critical illness insurance?
Simply put, you can buy this one-year critical illness insurance as a way to supplement the critical illness insurance amount, which is more suitable for the family's economic pillar. The critical illness insurance has one or more guarantees, but it is considered that the current guarantee amount is not enough. For those who long for deeper protection.
At the same time, those who have just started working and have average economic conditions can consider it. It is also possible to choose this insurance transition at present. If you have no money, it is better to buy one as a guarantee than nothing.
However, if the budget is sufficient, senior sister still suggests that you choose products with more comprehensive insurance. The list of high-quality critical illness insurance is here, and friends in need can take it themselves: Top Ten Excellent Critical Illness Insurance Rankings!
Write it at the end
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