Recently, the People's Insurance Company of China launched the Guangdong-Hong Kong-Macao Greater Bay Area Yuehai Carefree Critical Illness Insurance. This name sounds very powerful, and it is said that it is well protected!
Many friends are curious about this product. They told their senior sisters in Zhihu and WeChat official accounts, wondering if this product is reliable?
To tell the truth, this product is not so excellent compared with other products, and there are many tricks hidden in many places. The answer you want to know is below! Anxious friends can read this article directly: What happened to PICC Life in Guangdong-Hong Kong-Macao Greater Bay Area and Guangdong?
1. Does Guangdong enjoy the content of worry-free critical illness insurance?
Analysis of this Guangdong worry-free critical illness insurance, first look at the protection form map:
Before the evaluation, let's take a look at the characteristics of an excellent 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.
The above table shows that Guangdong worry-free critical illness insurance includes critical illness insurance, minor illness insurance and other insurance, and it can be guaranteed for life, which looks quite eye-catching ~
Next, the senior analyzes the advantages and disadvantages of this product:
Guangdong enjoys the advantages of carefree critical illness insurance.
1. Excellent major illness protection
At present, many critical illness insurances in the market have relatively high additional compensation for critical illness. Guangdong worry-free critical illness insurance is naturally satisfied, and it is quite good in terms of additional compensation for critical illness: 10 years, you can get 150% basic protection, of which 50% is the income from additional compensation.
For example, the 30-year-old Lao Wang bought this product with an insured amount of 500,000 yuan, and at the age of 35, he unfortunately suffered from a serious illness stipulated in the contract. Then, in the end, Old Wang Neng got a compensation of 750,000 yuan, which could completely pay for the treatment, and solved many problems caused by a serious illness!
However, the seniors also picked this advantage, and other highlights are really hard to find. Instead, I found a lot of tricks, and the seniors were arranged below. If you don't watch, you lose:
Guangdong enjoys worry-free and serious illness insurance.
1. Lack of TCM protection
Guangdong enjoys the basic protection of worry-free, but it lacks the protection of traditional Chinese medicine.
Of course, an excellent critical illness insurance standard must have moderate and mild disease protection. The definition of diseases in China is loose, and the threshold for claims is very low. The advantages of including China's disease in critical illness insurance are that it can make the basic protection more comprehensive, and the insurance company has a high probability of claim settlement and get more comprehensive protection.
Guangdong enjoys peace of mind, and even the basic guarantee is not comprehensive. Can it be considered qualified?
2.？ Extra compensation for serious illness is limited.
Guangdong enjoys worry-free serious illness insurance. Even if there is an early extra payment responsibility for serious illness, it includes 50% extra payment, but it can only be obtained 10 years before the policy.
Take Lao Wang for example. If 30-year-old Wang Mai bought this product and was very healthy within the first 10 years of the insurance policy, then the extra benefits will not belong to the 40-year-old. But at this time, Lao Wang's family responsibilities are still very heavy. Once he gets sick, the whole family will fall into economic crisis.
Compared with some good critical illness insurance on the market, most of them can be guaranteed to be 60 years old, which is more beneficial for the insured to have a full guarantee in the golden age.
3. There are not many options for the guarantee period.
There is only one choice for Guangdong to enjoy worry-free, and the other choices are legends. Although it is a good practice to buy life-long critical illness insurance, the premium of life-long critical illness insurance may be very tight for ordinary people!
There are many critical illness insurance products on the market that can be selected regularly and for life, and the insured can make their own decisions according to the actual situation. In contrast, Guangdong's carefree enjoyment has shut out some small partners who are tight in the rear ~
Second, isn't it worthwhile to enjoy worry-free critical illness insurance in Guangdong?
As can be seen from the above, I believe that everyone has a certain understanding of the protection content of Guangdong carefree critical illness insurance ~
Generally speaking, the defects of Guangdong carefree critical illness insurance are too bad. Although there are many options for serious illness compensation, the coverage content is incomplete, and it does not provide mainstream protection like Chinese medicine, which is really unfriendly to customers. ......
In fact, there are many good serious diseases on the market, so we don't have to stick to the one evaluated today. The top ten list of critical illness insurance is immediately recommended by seniors and seniors, and there must be something you like: the new definition of critical illness insurance pk, and the good product is actually this 10!
Write it at the end
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