What about Alipay's critical illness insurance and health benefits?
The health benefits of Alipay's critical illness insurance vary from person to person, depending on individual affordability. On the one hand, PICC China's insurance, while PICC China is one of the top 500 companies in the world, with strong overall strength. On the other hand, the payment method of this kind of insurance is very flexible, that is, health, welfare and critical illness insurance can be divided into 20 or 30 years, and you can choose to pay annually or monthly, so that the premium will be spread equally to each month, which actually puts little pressure on us.
Of course, Alipay's overall critical illness insurance and health and welfare protection are relatively perfect, which can meet the basic protection needs. We can also choose according to our own budget and needs, and return the optional amount of insurance or premium after death; When it expires, you can choose not to return it, or you can choose to return 120% premium, including high disability care compensation.
Are there any shortcomings? Of course.
Alipay's critical illness insurance and health benefits have several specifications. If you choose short-term insurance, then you should consider the continuity of insurance. For example, at the age of 20, we have been insured for 30 years. After the expiration of peace, we will be 50 years old, just between 40 and 70 years old. What shall we do in the future?
Moreover, Alipay health benefits are online critical illness insurance, and medical insurance cannot be directly attached as traditional offline critical illness insurance, which may easily lead to an unsafe gap in medical expense reimbursement.
To sum up, this is Alipay's critical illness insurance.