But my senior did some research and found some loopholes in this product. I stepped on the pit if I was not careful. See what the seniors say! If you are in a hurry, you can read the following article first:
In order to protect people's health and happiness, is it worth buying critical illness insurance? You should guard against these fatal defects! 》
1. Is it reliable to buy insurance in Alipay? Is it a lie?
Alipay's strength background
Some friends think Alipay is unreliable, and many people don't know that Alipay's function can be insured online!
First of all, senior sister should tell you responsibly that it is very reliable to insure in Alipay.
Alipay was formally established in 2004, including Alipay and Alipay Wallet, two independent brands. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world, and its strength cannot be underestimated!
Is Alipay Insurance Reliable?
Although the background strength of Alipay is really strong, the key to buying critical illness insurance depends on the insurance content. Even if the platform is good, the insurance pit is useless!
So, is Alipay's insurance product casually put up?
Don't!
In fact, it is not casual to sell insurance on Alipay. A company's products can be put on it by bidding.
Under normal circumstances, Alipay will generally list the content and terms of protection it wants and hand them over to various insurance companies for everyone to quote together. Next, let each company bid. Among them, the company's products with the most perfect guarantee and reasonable price can be directly awarded the bid.
Therefore, the insurance products on Alipay insurance platform are listed after a life-and-death struggle and appear in front of everyone.
Second, the content of health and critical illness insurance protection is revealed!
After introducing this, I believe everyone can see that it is confident to insure on Alipay!
The purpose of buying insurance is to get better protection, not just to pay attention to the quality of the insurance platform. Everyone should pay more attention to the protection of products! Let's take a look at the contents of health insurance and critical illness insurance:
As can be seen from the table, health benefits provide basic protection for serious illness and light illness, exemption of the insured, optional death protection and return responsibility when due.
Is this product worth starting with? The seniors listed its advantages and disadvantages for everyone:
superiority
1. Flexible payment method.
Health benefits can be paid monthly or annually according to their actual situation. Compared with those products that can only be paid annually, health benefits are a more flexible choice and very friendly to consumers ~
However, the senior found something, which has no bright spots except the above, but has many shortcomings:
disadvantaged
1. Narrow insurable age range
Different product warranty periods will lead to different insurance ages.
If you choose to pay 30 years of insurance to 70 years old, then the insurable age is 28 days (excluding) -40 years old; In other cases, the insured age is 18 days -50 years old.
In short, no matter which coverage period is chosen, the insurable age range of health benefits is not wide.
In the market, there are not so many rules about the age of insurance, and some products can be insured until 65 or even 70 years old. Comparatively speaking, the setting of health benefits is really very backward. ......
2. The maximum insured amount is not high enough
According to the health benefits, the insured over 28 days -40 years old can only enjoy a maximum of 500,000 yuan, and friends aged 4 1-50 can only enjoy a maximum of 400,000 yuan.
Generally speaking, we suggest that the coverage of critical illness insurance should be at least 500,000, because the cost of treatment for a critical illness is about 300,000. In fact, the main purpose is to make greater use of critical illness insurance and transfer family risk crisis.
Even if you buy this product now, the insurance protection is not done well. Isn't this useless at all?
In terms of insurance protection, there are actually many problems that need attention. If you don't know, it's easy to suffer:
How much insurance is appropriate? Talk about the doorway inside.
3. Lack of TCM protection
The basic guarantee of health and well-being is only critical care and mild care, but China care is lacking!
You know, covering the heaviest and lightest diseases has become an excellent mainstream form of critical illness insurance. Moreover, the definition of serious illness is stricter than that of chronic disease, and the threshold for claims is actually very low. In fact, the protection of chronic diseases in critical illness insurance is more conducive to comprehensive protection, so the claim rate of insurance companies is larger than that without chronic diseases, and the protection enjoyed by the insured is more practical.
In short, this product is not fully guaranteed and has many restrictions, which limits us in terms of age and insurance coverage, and is not worth buying.
There are many excellent critical illness insurance products on the market. Might as well turn around and look at other products, there will be different surprises:
"The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》
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!