Today, Senior Sister takes the critical illness insurance of Xinhua Life Insurance as an example to analyze whether the critical illness insurance value of Xinhua Life Insurance is worth buying.
Before you begin, please accept this critical illness insurance trap avoidance guide:
"Take a look at the common pit of critical illness insurance! 》
It is more intuitive that senior students choose a popular critical illness insurance from Xinhua Life Insurance-Xinhua Health Worry-Free Exclusive Critical Illness Insurance, and then tell you its protection map:
New China Life Insurance Health Worry-Free Privileged Edition Critical Illness Insurance Protection Map
As can be seen from the above figure, the protection content of the exclusive version of health insurance is particularly strong, including the basic protection of mild, moderate and severe diseases, and also supports the protection of accidental injuries and common deaths and exemptions for adults.
Worry-free Health Edition is really full of protection, but unfortunately there are still some minor shortcomings:
1. Waiting time is too long.
The waiting period of the exclusive version of health care can reach 180 days, but many of them on the market are 90 days, which is twice as long as them.
What needs to be understood is that the shorter the waiting period, the better for our consumers, which means we can enjoy the protection earlier, so we don't have to be afraid of illness during the waiting period.
After all, many critical illness insurances have relevant regulations. If you are in danger during the waiting period, you may not be able to get the corresponding compensation, and there may even be a case of termination of the contract. Therefore, the faster the waiting period, the lower the possibility of the above situation.
Therefore, from the setting of the waiting period, the exclusive edition of health care is not so friendly to consumers.
Many people don't know what will happen during the waiting period. The answer is here: "The insurance company will not lose money during the waiting period, will it?" If you don't understand, you will suffer a big loss! 》
2. The critical illness protection is general.
The critical illness protection of the exclusive version of health insurance can only be paid once, and the maximum amount of compensation is 100% of the insured amount or cash value. This kind of critical illness insurance payment is really not an excellent level for the current critical illness insurance market.
Under normal circumstances, the current special critical illness insurance is to set additional compensation according to the needs of different age groups, such as Versailles 1. Those under the age of 60 can pay an additional 80% of the insured amount. And at the age of 60-64, you can get an additional 30% insurance coverage.
After all, many people still bear the main economic responsibility of their families before the age of 60, and the probability of suffering from serious illness at this stage of 60-64 is very high, so it is necessary to provide a higher proportion of compensation.
However, no matter what age, the exclusive version of health care only pays 100% of the insured amount or cash value, and the protection is still weak.
In addition, there are many evaluation contents about health and worry-free, please click and see the complete evaluation link below:
What is the price-performance ratio of Xinhua's "Healthy and Worry-Free Edition"? Let me tell you the answer! 》
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