It is said that after the new upgrade, the number of cases of moderate and minor diseases has increased, and the coverage is more complete. In order to further confirm the advantages of the rumored product, the senior sister will test and evaluate the product.
Before the evaluation begins, we will compare the healthy critical illness insurance with other popular critical illness insurance at present:
Health Associated Type B and Popular Type 136 critical illness insurance Comparison Table
What are the advantages and disadvantages of 1.B type critical illness insurance?
Without further ado, just look at the picture:
As can be seen from the above figure, the insurance age of product B of health-related critical illness insurance is 0-65 years old, and it enjoys lifelong protection. The waiting period for claim settlement is 90 days, and the following payment years can be selected: annual payment and payment to 50/55/60 years old.
Let's discuss the characteristics and problems of this health-related critical illness insurance B:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
Health-Associated Type B Critical Illness Insurance: The insurance age of this insurance product is 0-65 years old, and the insurance age is very loose.
At present, the highest insured age for critical illness insurance products is 55 years old. If you are over 55 years old, you can't be insured.
However, the maximum insured age of this health-related critical illness insurance B is actually 65 years old, and people over 55 can still be insured.
In contrast, health-related critical illness insurance type B can protect more people, which is quite good.
② 18-28 years old has a high proportion of death compensation.
Under normal circumstances,10/00% is the proportion of death compensation for people with critical illness insurance over 8 years old.
The health-related critical illness insurance type B divides the death compensation above 18 into two stages. One is to pay 65,438+050% of the insured amount in the first 65,438+00 years; The other is 10 years later 100%.
If the insured dies at the age of 18-28, the coverage of health-related critical illness insurance type B will be 50% higher than other critical illness insurance, which is really satisfactory.
2. Disadvantages of Type B health-related critical illness insurance:
① The extra compensation for serious illness is unreasonable.
At present, the critical illness insurance products on the market all provide the extra compensation protection for critical illness, and the health-related critical illness insurance type B is also listed, but the extra compensation for critical illness insurance type B is not well set!
The B-type critical illness insurance states that health is accompanied. Only when a serious illness is diagnosed 10 years before the insurance policy, an additional 50% of the insured amount will be paid.
In fact, extra compensation for serious illness can provide more protection for family support, and the insured may not become family support for 10 years before the policy.
For example, type B critical illness insurance accompanied by health is provided by Lao Li for his 12-year-old daughter. On the first day of the policy 10, his daughter is 22 years old and has just graduated from undergraduate course. In terms of family economy, he doesn't have to bear too many responsibilities, so it can't be counted as family support.
But a few years later, when she is needed to support the whole family, but the extra compensation for serious illness can't protect her, it is very irrational.
② The proportion of compensation for chronic diseases is low.
At present, the proportion of China's disease compensation in the critical illness insurance market is mostly at the level of 60%, while the proportion of China's disease compensation in health-related critical illness insurance B is only 50%, which is 10% less than other critical illness insurance products, which is very inappropriate for the insured.
For example, Xiao Li took out 500,000 health-related Type B critical illness insurance. Unfortunately, he was diagnosed with China's disease, and the insurance paid him 250,000 yuan. However, if it is a critical illness insurance product with a compensation amount of 60%, {he can get a compensation of 300,000 yuan, plus the critical illness insurance of B-19, and Xiao Li loses 50,000 yuan}.
Therefore, when configuring critical illness insurance products, products with a high proportion of compensation when purchasing products are naturally more worth buying.
③ Mild symptoms have invisible grouping.
Although health is accompanied by mild illness of type B critical illness insurance, it can be compensated three times without grouping.
However, there is an invisible grouping, that is, there is only one payment for multiple diseases, which will affect the probability of multiple payments for mild diseases.
For example, pituitary adenoma, cerebral cyst, cerebral aneurysm and cerebral hemangioma are four different diseases, but in health-related critical illness insurance B, only one disease can be paid.
To put it another way, after being diagnosed with pituitary adenoma for the first time, if you are diagnosed with the same symptoms again, such as brain cyst, brain aneurysm and brain hemangioma, you will not get slight compensation.
The article is limited, so I won't repeat the shortcomings of this health-related critical illness insurance B. If you want to know more about Laotie, please click the following link:
Is it worth buying PICC's "Health Companion B" critical illness insurance? Expert in-depth evaluation!
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
At this point, I believe everyone has understood the health-related critical illness insurance type B.
To sum up, this health-related critical illness insurance B introduced by the insurance company has simple protection, few advantages and many defects. Senior sister suggested that insurance should be cautious.
Senior sister also prepared several excellent critical illness insurance products for you. Click on the link below to learn more:
Top ten popular critical illness insurance stocks worth buying!
Write it at the end
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