Many friends have come to consult their senior sister. Is this product really expensive? Is it worth insuring?
Let's follow in the footsteps of senior sister to decrypt this product! If you are interested in this product, take a good look ~
In order to prevent students from being pitted, this pit avoidance book can be said to be tailor-made for everyone:
Teach you to identify those pits in the insurance contract! 》
First, the coverage of critical illness insurance in Fu Jia is very deep!
As usual, let's look at the protection map first:
After reading the security map, Senior Sister found that Fujiabao's critical illness insurance is very comprehensive, covering not only the basic security, but also the secondary compensation for malignant tumors-heavy/light, and the compensation intensity can be said to be remarkable.
1, the compensation for serious illness increases in turn.
Fujiabao's critical illness insurance divides the critical illness into 6 groups, which can be paid in 6 times. The first payment is based on the basic insurance amount 100%.
The second to sixth compensation proportions are 120%, 140%, 160%, 180% and 200% of the insured amount respectively. Compared with products that only pay basic protection, Fujiabao's critical illness insurance is really sincere to consumers ~ ~
2, mild and moderate disease protection reached the average level.
This Fujiabao critical illness insurance covers 30% and 60% of mild and moderate diseases respectively, which is quite satisfactory.
Although there is a long way to go compared with the products that pay extra for mild and moderate diseases, it is much better than those products that only pay 20% and 50% insurance coverage for serious diseases respectively!
Of course, if you pay attention to friends with comprehensive basic protection, you can turn around and learn about this product:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, take a closer look! Fu Jia's critical illness insurance has many defects.
Although Fujiabao's critical illness insurance has a gorgeous appearance, it also has shortcomings:
1. Set chicken ribs while waiting.
When evaluating the waiting period of a seriously ill product, we need to pay attention to two points: the length of the waiting period and whether the terms in the waiting period are loose.
Of course, the shorter the waiting period, the better. At present, the market for serious illness is 90 days at the shortest, so that the insured can get protection faster. After all, if the insurance company is still in danger during the waiting period, the insurance company can refuse to pay compensation, so the insured can't get compensation.
Secondly, during the waiting period, the looser the terms, the better. For example, during the waiting period, the insured unfortunately suffered from mild illness, but this protection did not take effect, and other aspects of protection were still useful and recognized.
Fu Jiabao's critical illness insurance is very bad in this respect. The waiting period takes 180 days, much more than the shortest 1 times, and the probability of getting out of danger during the waiting period is higher.
And the treaty setting is very strict during the waiting period. If it is diagnosed as a serious illness/moderate illness/mild illness during the waiting period, or it has reached the end of illness/death, the contract will be directly terminated.
Therefore, the setting of the waiting period is related to the claims of friends, and everyone should pay attention to this aspect.
2, can only be guaranteed for life
At present, the excellent critical illness insurance coverage period on the market is optional, and regular coverage can be freely chosen.
But Fujiabao's critical illness insurance is not flexible enough, because there is only one choice. For people who have just entered the society and have limited budget, choosing lifelong critical illness insurance is definitely much more expensive than regular insurance, and the economic pressure will increase a lot!
Of course, this rich family's critical illness insurance still has many disadvantages. This article contains all hidden pits:
"After stripping off the harmonious and healthy" rich family treasure "clause, my patience has run out ..."
On the whole, Fujiabao's critical illness insurance is cost-effective and the basic protection is ok, but the insurance conditions are very general, which is not friendly enough for people with insufficient budget or older people.
Therefore, my sister's advice to everyone is to compare other products before making a decision. I believe you can always find a product that will satisfy you!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!