Today, Senior Sister will take a look at Hong Zhong Health Red Star Sublimation Insurance Product Scheme with everyone to see if it is really so excellent.
If a small partner is interested in Hong Zhong Life Insurance, please click below for details:
How about Hong Zhong Life Insurance? What products are there and which one is good? In-depth analysis.
1. What does Hong Zhong Health Red Star Sublimation Insurance Product Plan cover?
Let's not talk about anything else. Here's a safeguard map of Hong Zhong Health Red Star Sublimation Insurance Product Plan:
As can be seen from the figure, Hong Zhong Jiankang Hongxing Sublimation Insurance Product Plan is an insurance product plan consisting of serious illness protection+minor illness protection+death protection+minor illness exemption protection of the insured+final insurance premium as the main insurance and two different additional risks.
1. Main risk analysis
If we only look at the protection of the main insurance, there is still a gap between Hong Zhong Health Red Star Sublimation Insurance Product Plan and a fully guaranteed critical illness insurance. It often provides complete protection for mild, moderate and severe diseases, which is a good critical illness insurance; It is only because this product needs to increase the premium to increase the additional risk of 1 that it can get the protection of middle disease.
From the protection of traditional Chinese medicine, it can be concluded that the insurance product scheme of Hong Zhong Jiankang Hongxing Sublimation Edition is not very specific.
On the other hand, Hong Zhong Jiankang Hongxing Shenghua Insurance Product Plan is composed of multiple installments. This product sets 125 major diseases into 5 groups, but only pays for 3 times; That's not good.
We should know that common groups pay more critical illness insurance, which is basically paid several times in several groups, just like paying six times in six groups; Looking at the product plan of Huahong Health Red Star Sublimation Insurance, it was actually divided into 5 groups and lost 3 times.
It is worth mentioning that the interval between multiple payments for serious illness of this product is only 180 days. Hong Zhong Jiankang Hongxing Sublimation Insurance Product Plan is better than the critical illness insurance with multiple payment intervals of 1 year.
2. Additional risk analysis
Hong Zhong Health Red Star Sublimation Insurance Product Plan provides two different additional risks for you to choose according to your actual situation.
The insurance liability of the additional insurance 1 includes the insurance premium for moderate diseases and the exemption guarantee for mild diseases, and the additional insurance 2 includes the insurance premium for malignant tumors (serious diseases).
These two additional risks have their own advantages. If you want to get thoughtful basic protection, it is more appropriate to choose additional insurance 1. Assuming that more attention is paid to the protection of cancer, it is obviously more appropriate to choose additional insurance 2.
To sum up, friends can choose according to their own insurance needs.
Seeing this, if your friends want to know more about the evaluation of Hong Zhong Health Red Star Sublimation Insurance Product Plan, this article must not be missed:
Is Hong Zhong Health Red Star Sublimation Insurance Product Plan Really Worth Buying? Senior sister advises you to think twice! 》
2. Is Hong Zhong Health Red Star Sublimation Insurance Product Plan Worth Buying?
It's almost time to analyze the guarantee content of Hong Zhong Jiankang Hongxing Sublimation Insurance Product Plan. As for whether it is worth configuring, it is not too late to make a decision after reading the following!
1. The waiting period is very short, 90 days.
The waiting period 1 * * * of Hong Zhong Health Red Star Sublimation Insurance Product Plan is 90 days. In fact, the waiting period of 90 days is really not long, because the waiting period of most critical illness insurance products on the market is mainly 180 days.
From the perspective of the insured, the shorter the waiting period, the better. After all, if the insured goes out of danger for the first time during the waiting period, the chances of the insurance company's claim are slim.
2. Lack of additional compensation for the first diagnosis of serious illness
It is estimated that many friends don't know much about this guarantee when it comes to the extra compensation for the first visit of lifting diseases. The truth is that most excellent critical illness insurance products now provide consumers with additional compensation for the first diagnosis of critical illness.
Assuming that the critical illness insurance provides additional compensation for the critical illness diagnosed for the first time, once the insured suffers from the critical illness for the first time and meets the claim conditions, the insurance company will pay more insurance money, and its ability to resist risks will undoubtedly be strengthened.
To sum up, the performance of Hong Zhong Health Red Star Sublimation Insurance Plan is average. This insurance scheme is better than short waiting period and rich coverage, but it also has some shortcomings such as no extra compensation for the first diagnosis of serious illness. Low cost performance, insufficient protection, not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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