Friends who want to know the evaluation results in advance may wish to read this article first:
How about "Hong Zhong Jiankang Hongxing 2022 Critical Illness Insurance"? Look before you buy it! 》
1. Is Hong Zhong Jiankang Hongxing 2022 critical illness insurance worth buying?
If nothing else, let's take a look at the protection diagram of this product:
1, the waiting period is relatively short.
Hong Zhong Jiankang Hongxing 2022 critical illness insurance only has a waiting period of 90 days, which is remarkable among many critical illness insurance products.
For long-term critical illness insurance, generally speaking, the waiting period is 90 days, 180 days. And if the insured encounters an insurance accident due to illness during the waiting period, the insurance company will generally not compensate. In this way, from the perspective of the insured, the shorter the waiting period, the better.
The waiting period of Hong Zhong Jiankang Hongxing 2022 critical illness insurance is only 90 days, which is remarkable!
2. The interval of compensation for serious illness is short.
Hong Zhong Jiankang Hongxing 2022 critical illness insurance has been paid for many times. There are at most three payment opportunities, the first one is 100% of the basic insurance premium, the second one is 130% of the basic insurance premium, the third one is 150% of the basic insurance premium, and there is a short payment interval of only 180 days.
Remind everyone that if you are seriously ill again during the interval, then the insurance company will not pay the insurance premium, so the shorter the interval, the more cost-effective.
Compared with the same type of critical illness insurance products with the interval of 365 days on the market, Hong Zhong Jiankang Hongxing 2022 critical illness insurance is remarkable in this respect. However, it should be noted that the serious diseases of Hong Zhong Jiankang Hongxing 2022 are divided into five groups.
3. Bring your own death protection
Hong Zhong Jiankang Hongxing 2022 critical illness insurance comes with death protection, which can add more comprehensive protection for the insured.
For example, if the insured dies unexpectedly, Hong Zhong Jiankang Hongxing 2022 Critical Illness Insurance will also provide insurance money to him. For example, the insured's serious illness does not meet the requirements of Hong Zhong Jiankang Hongxing 2022 critical illness insurance, but the insured dies unfortunately, so the beneficiary also has the opportunity to get an insurance compensation, which is more generous.
Knowing so much, are some friends already planning to start this product? Calm down, it is best to read the next analysis of senior sister before making a decision!
2. Want to buy Hong Zhong Jiankang Hongxing 2022 critical illness insurance? Also look at these points!
1, with a narrow age range
Older people have the highest incidence of serious illness, and the probability of suffering from serious illness is higher after the age of 65, so more and more middle-aged and elderly people want to take out a serious illness insurance to get protection.
Hong Zhong Health Red Star 2022 critical illness insurance provides insurance opportunities for people aged 65,438+08-60. This age range excludes many older people who are ready to buy critical illness insurance.
2. China's disease is unprotected.
Hong Zhong Jiankang Hongxing 2022' s critical illness insurance mainly includes critical illness insurance, minor illness insurance, death insurance and terminal survival insurance, but does not cover middle illness insurance.
Moderate diseases belong to diseases with severity between mild and severe. It is very valuable to provide protection for China's diseases, that is, to increase the scope of protection, which not only lowers the threshold of claims, but also enables the insured to get the insurance money for treatment, so that the disease will not develop into a serious disease.
According to the average level of the current market, the proportion of compensation for chronic diseases should be more than 60% of the basic insurance coverage, and not less than 2 times the compensation. If it is lower than this standard, it must be considered again and again, which may not be particularly cost-effective.
If you don't know much about TCM, you can read this article:
What is Chinese medicine? What's the role? What should I pay attention to? An analysis! 》
Generally speaking, Hong Zhong Jiankang Hongxing 2022 critical illness insurance has both advantages and disadvantages. Its waiting period is short, and the payment interval for serious illness and death protection is short. However, its insurance age range is not very wide, and Chinese medicine is not covered. So, if you care about these aspects, you can look at other high-quality critical illness insurance. I don't know what quality critical illness insurance partners are available in the market. Let's take a look at this list:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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