Is this product worth starting with? Senior immediately dig deep!
Before the evaluation begins, Senior Sister provides you with a comparative table of critical illness insurance and popular critical illness insurance in harmony, health and well-being:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
First, the content analysis of critical illness insurance for a harmonious, healthy and well-off society!
First of all, let's take a look at the content of harmonious health and welfare critical illness insurance:
After a rough understanding of the product atlas of harmonious health and welfare, I believe many friends are still confused about distinguishing between good and bad security responsibilities! Don't worry, start the evaluation quickly ~
1, critical illness support analysis
108 major diseases are included in the critical illness insurance of harmonious health and welfare. What we want to make clear is that the serious illness of this product is divided into 6 groups, that is to say, it can be paid up to 6 times, and each time it will be 20% more than the last time.
On the surface, not bad! Let's compare the first edition of explosion-proof Ruyi Golden Gourd. This product must be diagnosed with serious illness before the age of 60. If you want to get 80% extra compensation for the basic insurance, you can.
From this perspective, the critical illness insurance of a harmonious, healthy and happy family is still a bit general!
2, anti-cancer settings are intimate
Whether it is the secondary compensation for mild malignant tumor or the secondary compensation for severe malignant tumor, the cancer protection of the critical illness insurance of harmony, health, welfare and family insurance has been considered.
With the coming of 2 1 century, cancer will become the main cause of human death. If all countries in the world want to improve people's life expectancy, cancer will certainly become the most difficult stumbling block.
There is little difference in the incidence of malignant tumors in China. With the increase of population and aging, there are more than 4 million new cases every year.
According to the analysis of the annual critical illness insurance claims data of insurance companies, malignant tumors claim the most!
From this point of view, the critical illness insurance of harmonious and healthy Fujiabao is still very practical in cancer. The second payment for severe malignant tumor can pay 100% of the basic insurance amount, and the payment for mild malignant tumor can be 30% of the basic insurance amount.
If the insured amount is 500,000 yuan, the malignant tumor has been diagnosed and meets the claim conditions, the maximum amount of compensation that can be obtained is 6,543.8+0,000 yuan!
But don't get excited in advance. Senior sister has made a detailed study on the critical illness insurance of harmony, health and well-being, and found that there is a great difference!
If you are in a hurry, you can find more critical illness insurance protection about harmony, health and well-being here:
"After stripping off the harmonious and healthy" rich family treasure "clause, my patience has run out ..."
Second, harmony, health and welfare are tricky for critical illness insurance. Do you know that?/You know what? ...
Speaking of the loopholes in the critical illness insurance of harmonious and healthy Fu Jia, it's really people ~
1. The warranty period is only optional for life.
Only life-long selection is the critical illness insurance guarantee period of harmonious health and welfare, which is also a small defect of this product!
You know, the premium of lifelong critical illness insurance is much more expensive than regular critical illness insurance. If there is a lack of money, isn't there a large number of people who can't afford the critical illness insurance of a harmonious, healthy and well-off society?
It can be seen that harmony and health are not considered enough in this respect!
So, if a friend wants to buy a regular critical illness insurance, you can look at this list:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. The waiting time is too long
Insurance waiting period, also known as observation period in the industry, refers to the agreed period during which the beneficiary can't get insurance compensation even if an insurance accident suddenly occurs when the insurance contract comes into effect, which is called waiting period.
The purpose of setting the waiting period is to prevent the insured from applying for insurance immediately when they know that they will have an insurance accident.
The excellent critical illness insurance on the market only has a waiting period of 90 days, but this product has a waiting period of 180 days-harmonious and healthy Fujiabao critical illness insurance, which is half less than other products!
As we all know, if you have an accident while waiting, the insurance company will not pay for it.
For the waiting period of critical illness insurance, the less you buy, the better!
Third, the summary of the senior sister
To sum up, the critical illness insurance of harmonious and healthy family insurance is a well-regulated critical illness insurance, and its performance in cancer is still excellent, but it needs to be improved in other aspects.
Therefore, if you want to buy a harmonious, healthy and well-off critical illness insurance, you may wish to know more about the high-quality critical illness insurance on the market, and then it is not too late to start!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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