However, if you want to consult whether China Life's advanced critical illness insurance is worth buying, you need to buy it carefully:
How about China Life Insurance? What products are there? What are the good ones? What are the pitfalls? In-depth analysis.
First, China Life's signboard critical illness insurance sells well. Did the guarantee really pass?
China people's critical illness insurance is also the most famous of several national life insurance products. Although people didn't like his incomplete basic guarantee before, it didn't affect that it became a best-selling item of China Life.
Even the seniors have repeatedly emphasized this situation. Basically, the strength of this company will not have any impact on health insurance such as critical illness insurance. The selection time will still depend on the price/performance ratio of the product itself, or it will not stop some people from loving China Life. Therefore, the senior will explain to you whether the product guarantee of China Life Insurance is reasonable. Direct guarantee evaluation chart:
About China Life Insurance 202 1 Edition, it is divided into two versions, A and B. The basic protection is very complete, including serious illness, mild illness and moderate illness. It also implements additional compensation for specific diseases and guarantees a number of additional responsibilities, such as additional compensation for serious diseases and multiple compensations for malignant tumors. It seems that I feel sincere, but there are still many gaps compared with the really excellent critical illness insurance:
1, the insurance rules are unfriendly.
The long waiting time is an obvious deficiency of China Life Insurance Company Limited (202 1). At present, the longest waiting period is 90 days, while China Life Insurance Co., Ltd. (202 1) is as high as 180 days. The longer the waiting time, the worse it will be for consumers. If you are in danger during the waiting period, you will hardly lose!
Moreover, although Guo's richest man 202 1 has set up two protection plans, there is actually little room for free choice. It's really mechanical to only set up lifelong protection, and the performance of Guo's richest man 202 1 really backfired.
2. The basic guarantee payment is low.
After the upgrade of China Life Insurance 202 1, there is no shortage of basic protection, but the protection strength is not enough to provide additional compensation for serious illness, and the proportion of compensation provided by mild and moderate illness protection is not very attractive.
In the development of critical illness insurance products. The design of major insurance companies in terms of extra compensation is simply full of tricks. For example, Versailles plus of Tongfang Global can not only pay 180% of the insured amount in the critical illness protection, but also set an extra payment of 15% in the lifetime edition. In contrast, the compensation ratio of China Life Insurance 202 1 is still 20%, which shows that it is not sincere.
From this analysis, even the critical illness insurance products at home can't stand the test. I believe everyone already knows. We don't care whether the insurance company is big or not, or whether the product is worth buying. Is it better for us to buy better protection with the same money? It is no longer the time for big companies to monopolize the critical illness insurance market.
Second, the real cost-effective critical illness insurance is like this!
The times are constantly changing, so a good critical illness insurance standard will also change with the market demand. It is not easy for critical illness insurance products to achieve high cost performance at this moment:
The high cost performance mentioned here is not only the low premium, but also the same premium can buy more protection, such as high insurance coverage and full protection.
Not counting the above-mentioned loose insurance, complete basic protection and rich compensation, it is also very important to include practical special protection. For example, for cancer with extremely high incidence, it can bring multiple guarantees.
Moreover, senior sister believes that the purpose of buying critical illness insurance should not only hope that once the disease occurs, we can use the money compensated by the insurance company to treat the disease, but also hope that we can be cured. But now that medical resources are in short supply, how can ordinary people get medical resources? Even if you have money, it is useful. There are many people with more money. ...
Therefore, when choosing critical illness insurance, we should not only look at whether the products are well protected, but also look at whether the insurance company has value-added services and whether the surgery and hospitalization are properly arranged.
To put it bluntly, value-added services are in addition to insurance products, which are free medical services provided to consumers. Some friends may not know what value-added services are, so let's take a look at the following article:
What is "value-added service"? The more value-added services the better? 》
In the event of danger, high-quality critical illness insurance can not only help us resist economic risks, but also provide us with humanized services. Of course, it is impossible to ask for a perfect critical illness insurance. Everyone should choose according to their own situation, and what suits them is the best.
This time, the seniors also selected some excellent products that are popular in the market, and the cost performance is absolutely high. If you miss them, it's too worthless;
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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