Before preparing to read the article, Senior Sister presented a list of popular critical illness insurance to her friends, which you can compare:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
1. China Life Insurance 202 1A Security Content Analysis!
As usual, Senior Sister presented the essence of China Life Insurance 202 1A:
Senior immediately showed you the evaluation conclusion:
1, long waiting period
The waiting period in the insurance contract also belongs to the observation period, which means that the insurance company can not pay compensation if the insured has risks in the clauses within the specified time period after the insurance contract comes into effect.
Insurance companies set the waiting period in order to better observe the physical condition of the insured and avoid the phenomenon of vicious insurance and sickness insurance.
However, if this happens during the waiting period, the insurance company must pay:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
At present, the waiting period of high-quality critical illness insurance in the market is only 90 days, but the waiting period of China Life Insurance 202 1A is as long as 180 days, which is more than half.
This is not good for the insured!
2. Lack of basic guarantee.
As we all know, the basic guarantee of an excellent critical illness insurance product must be "mild illness+moderate illness+serious illness".
While China Life Kangningbao (202 1A) lacks mild to moderate symptoms, so I'm afraid it can't reach the passing line!
After all, the degree of mild illness is not as good as that of middle illness; The severity of chronic diseases is not higher than that of diseases, and the threshold for claims is relatively low.
Therefore, the probability of the insured's claim settlement is improved to a certain extent.
Compared with the basic guarantee of 30% mild illness and 60% moderate illness for similar products on the market, China Life Insurance 202 1A without mild illness and mild illness protection is not so good!
To this end, senior sister shared this popular critical illness insurance-Versailles plus for your reference:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
3. The guarantee period is short.
With regard to critical illness insurance, China Life Kangning Insurance 202 1A is short-term, and the longest guarantee period is only 30 years.
For example, when 18 years old buys China Life Insurance 202 1A, it can only provide protection until 48 years old.
It can be understood that the warranty period of this product does not fully cover the age group with high incidence and serious illness. If you want to supplement critical illness insurance after the end of the protection period, you may not meet the requirements of health notification, and the premium you have to face is also very expensive.
Therefore, it is better to buy critical illness insurance if it can last for life or until 70 years old.
But there are still problems! China Life Insurance 202 1A has many shortcomings. Is it worth buying?
2. Is China Life Kangningbao 202 1A worth buying?
On the whole, China Life Kangningbao 202 1A is a very common return-type critical illness insurance, with general protection and relatively low comprehensive price.
Friends may wish to compare other excellent critical illness insurance and choose the right one.
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!