The coverage of Wellcome critical illness insurance is as follows:
Sunshine Hui health critical illness insurance has three levels of critical illness insurance coverage: 654.38+10,000, 300,000 and 500,000, and minor illness protection can be added.
Major disease protection: guarantee 100 kinds of serious diseases, and pay 100% of the insured amount;
Mild illness protection (optional):? Guarantee 50 kinds of mild diseases and pay 20% of the insured amount;
Let's take a look at its mild illness protection. Are there any minor diseases with high incidence?
It can be seen that most of the relatively high incidence of mild diseases have been covered, and the protection is still good.
In addition, for the critical illness insurance of 1 year, we should pay more attention to its renewal conditions.
Conditions for renewal:? Shen Lanjun consulted the customer service. Do I need to inform my health condition again when renewing my insurance? Customer service replied that there is no need to reconfirm the health notice when renewing the insurance, and the premium will not be adjusted separately because of the personal situation of the insured.
Moreover, Huihealth Critical Illness Insurance can still be renewed after the claim is too light. However, if you have already paid for a serious illness, or if the product has stopped selling, you can't renew it.
Sunshine and health protection are still good. Let's take a look at its cost performance.
Shen Lanjun chose several popular critical illness insurances 1 year on the market and added a long-term critical illness insurance for comparison:
Draw a direct conclusion:
In contrast, sunshine health critical illness insurance is similar to other products in terms of coverage content, but it can only be extended to 65 years old, with no advantage in price and average cost performance.
If you pursue cost-effectiveness, you can consider Alipay's health and welfare, which not only guarantees enough, but also has an advantage in price. This is good for the temporary transition.
If you want to be stable, you can consider the periodic critical illness insurance such as Rui Tairui Ying, which not only ensures sufficient protection, but also does not affect the future renewal of insurance even if you get sick.
However, Shen Lanjun also wants to remind everyone that the price of one-year critical illness insurance is really cheap. If it is a temporary transition guarantee, or if you have already purchased long-term critical illness insurance, it is no problem to choose a one-year product as a supplement.
But in the long run, the one-year product update is unstable. If the product is discontinued or the health status changes, it cannot be purchased, and the premium will increase with age.
Therefore, Shen Lanjun still suggested giving priority to long-term critical illness insurance. Once the insurance is successful, the annual premium will remain unchanged, and it will be more stable and comprehensive without being affected by changes in health status and suspension of sales.
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