Recently, however, the seniors' eyes were attracted by this product named "Huarui National True Love Regular Critical Illness Insurance 202 1". It is said that the premium of this product is as low as 3.82 yuan per month.
It still sounds very cost-effective, but everyone will also wonder: Is there any routine for such a cheap premium?
Look down and you will understand!
1. Will Guohua Huarui National True Love be guaranteed by critical illness insurance 202 1?
As usual, let's take a look at the guarantee content of this product:
Looking around, the disadvantages of Huarui National True Love Regular Critical Illness Insurance 202 1 are still obvious:
1, with a narrow age range
Huarui National True Love Regular Critical Illness Insurance 202 1 is insured for 28 days to 50 years old.
This means that anyone over 50 can only say goodbye to this product.
You know, the maximum age of most critical illness insurance on the market can reach 65 years old, and the insurance threshold is much looser than Huarui National True Love Regular Critical Illness Insurance 202 1.
To tell the truth, the setting of this Huarui National True Love Regular Critical Illness Insurance 202 1 in this respect is really not in place.
If you or your family can't buy this Huarui National True Love Term Critical Illness Insurance 202 1, you can take a look at these critical illness insurances with a wider age range: the top ten most popular critical illness insurances worth buying!
2. Lack of additional compensation for serious diseases
If a serious illness is found during the guarantee period, this Huarui National True Love can only be insured at 202 1 regular claim 100% of the critical illness insurance, and the guarantee strength is really average.
At present, most products include extra compensation for critical illness insurance, such as Versailles 1. Only when you are diagnosed with a serious illness at the age of 60 can you get an extra 80% of the insured amount!
Buy 500,000 insured, 80% insured 400,000!
The difference in other compensation ratios is still difficult to ignore.
If you are interested in the serious illness in payout ratio, this article will take you to learn more about Versailles 1: Tongfang Universal Versailles 1 How much do you know?
The two shortcomings mentioned above are disappointing enough, but after studying the terms of Huarui National True Love Periodic Critical Illness Insurance 202 1, Senior Sister found that this product still hides a bigger trap!
Second, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 Is it worth starting with?
After in-depth study, I found that Guohua Huarui National True Love Periodic Critical Illness Insurance 202 1 still has many shortcomings in these aspects:
1, the waiting period is harsh.
Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 has already said that if you are in danger during the waiting period, you will only refund the premium paid and terminate the contract.
However, there are many products on the market that are not very strict about the waiting period.
Suffering from mild illness during the waiting period, many products have set such a rule: if suffering from mild illness during the waiting period, only mild illness is not included, and the rest of the protection is still valid.
In contrast, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 is really not competitive!
2. Malignant tumor has no secondary compensation.
It must be said that cancer is a major disease that seriously threatens human health at present.
Cancer is a disease with high incidence and recurrence rate.
Although many cancer patients have completed radical surgery, they still need to fight cancer for life.
Therefore, the senior sister has repeatedly stressed to everyone that we must buy critical illness insurance including the second payment for malignant tumors.
This Guohua Huarui National True Love Term Critical Illness Insurance 202 1 insurance product does not include this protection, and the protection is very inadequate!
3. The premium is not cheap.
Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 seems very cheap, but don't forget that it is a kind of regular critical illness insurance. Simply put, you can only enjoy compensation within 70 years old, and you can't get claims after 70 years old.
Moreover, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 is optional, so if you don't choose these two guarantees, the premium will naturally be lower than that of the products with these two guarantees as compulsory liability.
But it also means that we are missing two guarantees.
When you place an order for Guohua Huarui National True Love Regular Critical Illness Insurance 202 1, if you only choose mild illness insurance and middle illness insurance, the premium is actually not cheap, even higher than other critical illness products!
To sum up, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 is not comprehensive.
When choosing critical illness insurance, we should pay attention to the quality of products and don't buy those products with poor protection.
Write it at the end
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