It is said that the insurance conditions of this product are more reasonable and the protection is more comprehensive.
Many small partners came to the school sister and asked if this product could meet the insurance demand.
Today, Senior Sister arranged the first evaluation to see what features this product has!
If you want to look at the evaluation of seniors from another angle, you can look at:
"Everbright Yongming Yongbao Health (Jiahuibao) critical illness insurance has comprehensive health protection? Measure it and see how it looks. "
1. How about the critical illness insurance of Everbright Yongming Health (Jiahuibao)?
Not much to say, let's take a look at the protection form of Everbright Yongming Permanent Health (Jiahuibao) critical illness insurance:
1, insurance conditions
Everbright Yongming Yongbao Health (Jiahuibao) critical illness insurance supports lifelong protection. In fact, it is a lifelong critical illness insurance, and the guarantee can cover a lifetime.
Support babies who are discharged from hospital after 30 days of birth and those who are 65 years old have the opportunity to be insured. This insurance age range is still relatively wide.
In fact, some similar products on the market are only allowed to be insured by people aged 50 or 60.
In addition, it is outstanding that Everbright Yongming's critical illness insurance provides a variety of payment periods, with a maximum support of 30 years.
I have to say that this payment cycle is still excellent and can meet the insurance needs of different groups of people.
And the waiting period is only 90 days, which is also very beneficial.
After all, there are some life-long critical illness insurance in the market, and the waiting period is 180 days.
During the waiting period, if the insured is out of danger due to non-accidental injury, the insurance company will not bear the insurance liability.
Therefore, the shorter the waiting period of product provision, the better for the insured!
2, in terms of security content.
The critical illness insurance of Everbright Yongming Yongbao Health (Jiahuibao) provides a number of protections, such as light and severe illness protection, exemption of the insured from light and moderate illness, death/total disability protection, and terminal illness protection.
It can guarantee 125 kinds of serious diseases, 20 kinds of moderate diseases and 35 kinds of mild diseases, and only provide one payment for moderate and severe diseases and two claims for minor diseases.
At present, some serious illness insurance on the market can pay 2 times for moderate illness and 3 times for mild illness, or some serious illness insurance or even mild illness can enjoy 5 claims, which is relatively more flexible.
After comparison, Everbright Yongming Yongbao Health (Jiahuibao) seriously ill insurance claims for mild and moderate diseases are indeed inferior.
At the same time, Everbright Yongming Yongbao Health (Jiahuibao) critical illness insurance does not take into account the multiple payment protection of high incidence and serious illness.
Similar to the cancer with the highest incidence of serious diseases, it is likely to recur and metastasize within three years after operation.
However, Everbright Yongming Yongbao Health (Jiahuibao) critical illness insurance has not set up relevant protection content in this regard.
In order to provide better protection for the insured, some products on the market will provide multiple compensation for high incidence and serious diseases, such as Versailles plus, which not only provides comprehensive protection, but also can pay 180% of the insured amount for serious diseases, enjoy five-fold compensation for mild and moderate diseases, and have the protection of secondary compensation for cancer, which is very worthy of consideration. If you are interested, you can have a look:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Is the critical illness insurance of Everbright Yongming Yongbao Health (Jiahuibao) worth insuring?
To sum up, the critical illness insurance conditions of Everbright Yongming Yongbao Health (Jiahuibao) are not very strict, but also flexible and selective.
However, this kind of critical illness insurance pays less for mild and moderate diseases, and does not guarantee multiple payments for high-risk and serious diseases. Therefore, the senior feels that the cost performance is low and it is not worth buying.
Finally, the seniors sorted out several excellent critical illness insurance products on the market. If you are interested, you can have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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