Today, we will take the monthly income of 9000 as an example to see the precautions for purchasing multiple versions of critical illness insurance for health insurance.
Before the evaluation, teach you lightning protection:
Teach you to identify those pits in the insurance contract! 》
First, multiple versions of health insurance benefits are open, and the advantages and disadvantages are clear at a glance!
Cut to the chase, please take a look at this multi-version health insurance benefits protection map:
As can be seen from the figure, the multi-version protection of this health insurance is not bad, including the protection of serious illness and mild illness, and this product is still quite excellent:
1, the critical illness protection is good
In view of multiple versions of critical illness health insurance, 50% of the insured amount is paid out before 15, and the interval between the second payment and the first payment is 1 year, which can be paid out 120% of the insured amount. Determine the compensation ratio according to the level.
Therefore, with the insurance coverage of 500,000 yuan, you can get 750,000 yuan compensation in the first 15 years, which is really good!
2. Optional responsibilities are practical.
& gt& gt Exemption of the insured: It is a good choice for the insured to buy this protection. At least when the insured suffers from mild to severe illness, death, total disability or terminal illness, the remaining premium will not be paid, but the policy has not expired. It is very important for children to buy insurance and buy this exemption.
Of course, premium exemption is not only for the insured, but also for the insured. If you want to understand the above concepts of commission, you can look at the following:
Will the premium be exempted? Do I have to choose insurance? 》
& gt& gt malignant tumor-severe medical allowance:
This multiple version of health insurance introduced by insurance companies enables patients with malignant tumors to receive malignant tumor-severe medical allowance. If they continue to receive treatment after one year of diagnosis, this insurance will provide 40% of the basic guarantee amount every year, and the claim will only be paid for up to three years.
This kind of guarantee can reduce the economic loss and family pressure of the insured during diagnosis and treatment, and can ensure economic security.
3. The payment period can be flexibly selected.
The payment period of multi-version health insurance benefits can be paid in one lump sum, 10 year, 20 years and 30 years, and consumers can choose flexibly according to their own conditions.
The payment method of critical illness insurance is basically the same as the payment method of buying a house and handing it over: if you pay more for a few years, the money will be evenly distributed every year, and the pressure of payment will become smaller and smaller.
The setting of the payment period of multi-version health insurance universal insurance is still relatively good. People with insufficient budget can also pay less and choose a longer payment period, which will reduce the pressure.
But looking back, although the benefits of multi-version health insurance are obvious, there are also some defects!
Narrow age of insurance: Multi-version health insurance benefits have specific settings on the age of insurance, which can only be from 28 days of birth to 45 years old, which means that people aged 45 cannot be insured. However, the main income of a family depends on people of this age group, and the protection of critical illness insurance is more important for these people.
The multiple version of health insurance benefits does not allow people over 45 to insure at all, which is disgusting!
Regarding the analysis of the advantages and disadvantages of multi-version health insurance Pratt & Whitney, Xuejie will not go on now. If you want to know more about this product, the following articles have just been sorted out by senior sister:
How about Kunlun "multi-version health insurance"? Today I will tell you the truth! 》
Second, can you afford multiple versions of health insurance benefits with a monthly income of 9000 yuan?
Some people say that the price limit is a bit expensive, and the monthly salary is only 9000. How can I buy multiple versions of health insurance benefits? "
Senior sister will calculate the premium of this insurance for everyone now. 30-year-old male, if the insurance amount is 300,000, life-long guarantee, the payment period is 20 years, and the liability is exempted, the annual premium is only 53 10.05 yuan.
Generally speaking, this price is more cost-effective than the critical illness insurance on the market. After all, there are countless seriously ill products with premiums exceeding 10,000. Therefore, the multi-version health insurance benefits are aimed at people with a monthly income of 9000, and they are also fully capable of paying premiums.
However, there are some things that deserve your attention. When we take out insurance, we not only need to take out serious illness insurance, medical insurance, accident insurance, etc. You can also apply for insurance configuration, thus covering more risks and ensuring more comprehensive protection. So these expenses have to be prepared in advance to stay there.
Write it at the end
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