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 see if this product is as good as rumored, Senior Sister helps you explore this product.
What are the advantages and disadvantages of 1.B type critical illness insurance?
Let's take it directly from the picture:
After reading the picture, we can know that the insurance age of health-related critical illness insurance type B is 0-65 years old, and it is guaranteed for life. The waiting period is 90 days, and the payment period is 50/55/60 years old year by year.
Let's understand the advantages and disadvantages of this product:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
Health-associated critical illness insurance B This insurance product is insured at the age of 0-65, and the age limit for insurance is not big.
At present, the maximum insured age of critical illness insurance products on the market is mostly 55 years old. Once you are over 55 years old, you will lose your eligibility for insurance.
However, the maximum insurance age of this health-related critical illness insurance product B is 65 years old, and people over 55 still have the opportunity to insure.
After comparison, there are more people who can insure health-related critical illness insurance type B, which is still relatively excellent.
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%.
The compensation for the death of 18-28 years old of type B critical illness insurance is 50% higher than that of other critical illness insurance products, which is commendable.
Speaking of death protection, some friends will feel that this protection seems unnecessary. Is this idea really correct? Let's listen to the expert's analysis:
No insurance against death? Don't you get it?
2. Disadvantages of Type B health-related critical illness insurance:
① The extra compensation for serious illness is unreasonable.
At present, all the critical illness insurance products on the market have the guarantee of extra compensation for critical illness, and health-related critical illness insurance type B also has it, but the setting of extra compensation for critical illness insurance type B does not meet the needs of consumers!
In the B-type critical illness insurance accompanied by health, only those who have been diagnosed with critical illness before the policy 10 are covered, and 50% of the eligible insurance amount is paid.
The essence of extra compensation for serious illness is to make the family breadwinner enjoy comprehensive protection, and the insured may not become the family breadwinner 10 years before the insurance policy.
Use this example to illustrate that this type B critical illness insurance accompanied by health was bought by Lao Li for his 12-year-old daughter. Policy 10, his daughter is 22 years old, and now she has just graduated from college, so she doesn't have to bear a heavy financial burden on her family, let alone be the pillar of her family.
But later, at that time, she was needed to bear the burden of the family, but he did not pay extra for a serious illness, which was particularly unreasonable.
② The proportion of compensation for chronic diseases is low.
At present, the payout ratio of most critical illness insurance products on the market has reached 60%, but in terms of compensation for chronic diseases, the payout ratio of health-related critical illness insurance type B is only 50%, which is less than other critical illness insurance products 10%. From the perspective of the insured, this is not a cost-effective choice.
For example, Xiao Li's health-related critical illness insurance type B has a coverage of 500,000. Unfortunately, he was diagnosed with China's disease and received 250,000 compensation. However, if this critical illness insurance product pays 60% of the insured amount, he can get 300,000 yuan. In contrast, Xiao Li lost 50,000 yuan.
Therefore, when it is necessary to insure critical illness insurance, products with high compensation ratio are definitely the first choice.
③ Mild symptoms have invisible grouping.
Even if the health is accompanied by B-type critical illness insurance, you can not pay for three minor illnesses in groups.
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.
This example shows that pituitary adenoma, cerebral cyst, cerebral aneurysm and cerebral hemangioma are four different diseases, but only one disease can be paid in health-related critical illness insurance B.
It needs to be clear that after being diagnosed with pituitary adenoma for the first time, being diagnosed with pituitary adenoma for the second time or being diagnosed with other brain problems for the first time, it is impossible to get small compensation.
Due to the limited space, I will omit other shortcomings of this health-related B-type critical illness insurance product. If you want to know, please poke the following:
I can't stand the disadvantages of "health belt B" critical illness insurance.
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
Having said that, you should have a general understanding of this health-related B-type critical illness insurance product.
To sum up, the protection of this health-related critical illness insurance type B is relatively simple, without the advantages of special attention, but there will be many loopholes that attract our attention. For example, there will be unreasonable extra compensation for serious illness and so on.
Senior sister suggested that friends who want to insure health-related B-type critical illness insurance must be cautious. It is best to shop around before deciding whether to start, so as not to make a choice that you regret.
For those who are not interested in health-related critical illness insurance type B and are interested in other high-cost critical illness insurance products, Senior Sister has also found several good critical illness insurance products for you. Let's take a look at the following link:
Top ten popular critical illness insurance stocks suitable for purchase!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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