Then look at the cost performance of this product, and whether it is worthwhile after starting.
Before the evaluation, I will give you a comparison chart of welfare selling critical illness insurance:
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First of all, let's take a look at the product diagram of the exclusive health celebration edition and briefly understand the product information:
As can be seen from the above picture, the protection content of the exclusive health celebration edition is really quite a lot. After carefully reviewing and comparing the contracts, Senior Sister found that the exclusive health celebration edition is really excellent in several places, such as:
1, and the grouping of serious diseases is reasonable.
Enjoy the Health Celebration Edition is a great critical illness insurance, a group with many claims. For this kind of critical illness insurance products, the most important thing is to see whether their grouping is reasonable.
According to the characteristics of diseases, the premium health celebration edition divides the major diseases insured by 12 1 into six groups: malignant tumor group, major organ disease group, cardiovascular disease group, nervous system disease group, respiratory system disease group and other comprehensive diseases group, and each group contains a chance to pay compensation.
Among them, the "malignant tumor group" includes "malignant tumor-severe" and "invasive mole" with similar diseases. Compared with the grouping setting of similar products, the exclusive health celebration edition is more excellent and detailed, which can avoid other protection contents from being affected by the high-incidence disease of "malignant tumor", thus greatly improving the protection for different kinds of diseases.
When it comes to multiple payments of group critical illness insurance, many people have a misunderstanding that single-payment critical illness insurance lags behind multiple-payment critical illness insurance. If you think so, don't miss this article:
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2, including high recurrence of serious illness two to three times the compensation.
Enjoy Health Celebration Edition also includes the second and third payments for three high recurrence diseases, namely, malignant tumor-severe, severe stroke sequelae and severe acute myocardial infarction, which means that these three diseases have at most three chances to get paid respectively.
Moreover, if the insured is under the age of 18, and three diseases are unfortunately diagnosed before 18 and after 60, you can get 100% basic health care for special diseases.
If the insured buys insurance after reaching the age of 18, the special allowance for these three diseases will be guaranteed until after the age of 70.
However, one thing must not be ignored. The interval between two consecutive payments needs at least three years.
3, including terminal illness protection
Although critical illness insurance belongs to payment insurance, it is indeed "diagnosis first and then compensation" in claims settlement. However, the so-called "diagnosis" of critical illness insurance is different from the "diagnosis" we understand in our daily life.
Critical illness insurance products have strict disease definitions for each insured disease. Only when the disease meets the definition of disease in the contract can it be called "confirmed diagnosis".
For example, the disease of "systemic myasthenia gravis" needs to meet all the following conditions at the same time before it can be judged as "diagnosed":
1. 1 year or more can not control the disease after drug treatment or thymus surgery; 2. People who have no ability to live independently cannot independently complete three or more of the six basic activities of daily life.
Some insured people may be in the late stage of the disease when they are diagnosed, and the disease develops more rapidly. They have died unfortunately before receiving treatment and meeting the treatment time requirements in the definition of disease, or they don't want to spend their last days in the hospital, just want to live the rest of their lives well. At this time, the patient's condition often does not meet the relevant content of the disease definition, which makes it impossible for him to obtain critical illness insurance money.
If the self-insured critical illness insurance, like the exclusive version of the health celebration, can protect the terminally ill, if the insured is diagnosed with a disease and is terminally ill, then in this case, you can choose to apply for compensation from the insurance company and take out the insurance money to treat the disease or live the rest of your life well.
In a word, the Health Celebration Edition has many advantages. In terms of critical illness protection, grouping conforms to common sense and provides multiple compensation, covering all three high and critical diseases within the scope of multiple compensation protection, as well as the terminal protection of diseases.
However, senior sister has also compiled some information. Enjoy Health Celebration Edition has some disadvantages in terms of insurance conditions, multiple compensation for high recurrence diseases and extra compensation for serious diseases. Limited by space, the shortcomings of the health celebration edition are all put in the following article by senior sister:
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Generally speaking, the protection content stipulated in many critical illness insurance products seems to be very substantial, but I don't know that this may just be a smoke bomb that confuses consumers. It is not a simple matter to buy good insurance products with good quality and low price.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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