In order to prevent everyone from stepping on the pit, come and have a look at the pit prevention guide compiled by Senior Sister:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
First uncover the tips for enjoying health and critical illness insurance!
Senior, I won't go into details. Let's first find out what protection health insurance and critical illness insurance provide:
As shown in the figure, it seems that the protection of enjoying health critical illness insurance is quite excellent, and serious, moderate and light diseases are all within the scope of protection. Not only that, but also the multiple compensation for the sequela of memory myocardial infarction and stroke, which is not bad.
However, after in-depth testing by my senior, I found that there is a hidden trap in enjoying health and critical illness insurance:
1, the critical illness protection is not strong and there are many restrictions.
Enjoy health and critical illness insurance. Even if the basic protection is not omitted, this piece is still very commendable. Only the protection is low, but only 100% of the basic insurance amount is paid.
Even if there is a special care fund for serious illness, it must meet certain requirements. Only if it meets the following two conditions, will it provide additional compensation for serious illness:
/kloc-insured before the age of 0/8,/kloc-seriously ill patients diagnosed before the age of 0/8 or after the age of 60 can really get 100% protection with confidence; Another situation is that when you buy insurance, you are over 18 years old, so you can enjoy extra 100% protection when you get sick after 70 years old.
There are not only restrictions on the age of insurance, but also requirements for the time of diagnosis of serious illness. If you have purchased exclusive health critical illness insurance before the age of 18, but you are diagnosed with a critical illness at the age of 40, you can only get the basic compensation coverage.
To tell the truth, it is impossible to get this kind of special allowance for serious illness easily.
There are many restrictions on the payment period.
On the surface, there are many options to enjoy the payment period of health critical illness insurance, but its payment period is relatively short, only 20 years, and the longest payment period in the current critical illness insurance market is as long as 30 years.
The disadvantage is that the premium will be paid more and more every year, and another problem is that it is not conducive to triggering the exemption clause.
Another surprise for seniors is that if they are insured with the critical illness insurance with a premium of more than 300,000, they can only choose the payment time of 19 instead of 20 years. This setting is very fixed.
You can only choose to keep it for life.
There is only one choice to enjoy health and critical illness insurance, that is, life insurance. If you only want to keep the critical illness insurance cost-effective for 30 years or until you are 60 or 70 years old, it is not suitable to buy health critical illness insurance.
Life insurance is more expensive than ordinary insurance. Therefore, for migrant workers with limited budget, it is not recommended to buy health and critical illness insurance.
In fact, the above points are just a few minor problems, so the following are the real shortcomings of enjoying health and critical illness insurance:
How about "Fude Life enjoys health and critical illness insurance"? I won't buy it because of this defect? 》
Second, what is an excellent critical illness insurance?
At first, the seniors all told us in the form of pictures. Generally speaking, what factors are needed for a very good critical illness insurance!
1, the basic guarantee should be comprehensive.
Generally speaking, serious illness+moderate illness+mild illness is an excellent standard for critical illness insurance. It is reasonable to say that intensive care will cover the following 28 high-risk serious diseases:
The first six of these 28 serious diseases are compulsory diseases, but more than 95% of these 28 serious diseases have been paid.
Of course, it would be great to provide additional compensation for intensive care!
Mild and moderate illness insurance refers to diseases whose severity and compensation ratio are lower than those of serious illness. Its existence can lower the standard of compensation for serious illness and increase the probability of compensation, which must also exist.
Of course, some serious diseases, that is, diseases that are lighter than mild diseases, may even provide pre-illness protection.
Friends who want to know more about premonitory care may wish to read this article:
"Pre-illness" protection was born? What is a hunch? Is it worth buying? 》
2. The insurance amount should be set reasonably.
According to statistics, the cost of treating major diseases is at least about 300,000 yuan. Not only that, but also the income loss, rehabilitation expenses and family basic expenses during the illness.
Therefore, it can be said that the coverage of critical illness insurance should be at least 500,000, and the coverage should be sufficient to play a fundamental role and reduce the worries in the later period.
3. Provide intelligent underwriting.
Intelligent underwriting is a set of standardized answers after replying to the insurance company online when the health notification is not in conformity, so that you can quickly know the results after underwriting.
In addition, intelligent underwriting has the advantages of being very convenient and quick, obtaining underwriting results immediately, and not affecting subsequent insurance, and also giving people with slight physical problems more insurance opportunities.
So, if you want to know whether a product is worth buying, you only need to do what I said, which is easy to understand. This is also a good way to avoid stepping on the pit.
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!