Such an excellent family medical insurance for critical illness insurance, then what is its real strength! Ok, let's start the evaluation ~
If you don't have enough time, I have prepared an elite evaluation: if you want to buy Fosun United critical illness medical insurance, read this article.
1. What are the advantages and disadvantages of critical illness insurance for family medical insurance?
What are the critical illness insurance clauses of home medical insurance that the public expects?
Combing the contents of the chart, we can find that critical illness+optional liability constitutes the basic form of critical illness insurance provided by family medical insurance for the insured, and the coverage content is not so rich.
Let's see where the excellent medical insurance critical illness insurance is!
1, flexible payment period
The payment method of critical illness insurance for family medical insurance is easy and flexible, and there are two ways to choose from: wholesale payment and regular payment. The longest payment period is 30 years.
Because the longer the payment period, the less the annual premium, and the payment pressure of the insured can be greatly alleviated.
In addition, if you carry the exemption clause of the insured with you when you apply for insurance, and if the insured who suffers from diseases within the scope of the contract unfortunately suffers losses during the payment period, you can touch the exemption clause of the insured.
This can avoid paying subsequent premiums, but the policy is still valid, saving a lot of money.
How to choose the payment period correctly, these common senses need to be understood before insurance: how to choose the payment period so as not to suffer losses?
2. Health services are intimate
The critical illness insurance of family medical insurance will provide the insured with three kinds of health services: health information, early screening of critical illness and medical treatment, and cover the insured and his three immediate family members, so some people think this insurance product is very practical.
Among them, people should pay more attention to the experience of early screening and physical examination services. Nowadays, many people refuse medical examination because it will produce expensive medical examination expenses, which is a very important reason. After the physical examination, it may take a month or two to get paid.
But it's impossible not to have a physical examination, because only through regular physical examination can problems be found in the early stage of the disease and prevented in time.
Considering the physical examination needs of consumers, the critical illness insurance of family medical insurance provides different physical examination services for 18-45 years old and 46- 105 years old respectively.
Screening items such as thyroid nodules, prostate cancer, stomach diseases and early cervical lesions have been included in the population aged 18-45, and a large number of screening items make the insured feel very intimate.
The above is the analysis of the basic guarantee responsibility of critical illness insurance of family medical insurance. Don't worry too much at the beginning! Before making a decision, it's not too late to look at the thorny issues of family medical insurance and critical illness insurance!
The defects of family medical insurance critical illness insurance are as follows:
1, the waiting period setting is unreasonable.
Senior sister has always stressed that we must give priority to critical illness insurance products with short waiting period. After all, the insurance company will not settle claims during the waiting period.
You can read this article for details:
The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!
At present, the waiting time for many critical illness insurance in the same industry is only 90 days. In contrast, the waiting period of critical illness insurance for family medical insurance needs 180 days, which is too long.
2. Lack of basic security
Among the three basic guarantees of mild illness, moderate illness and severe illness, the critical illness insurance of family medical insurance has no protection related to mild illness and moderate illness, which can make many people miserable!
It should be noted that mild and moderate diseases correspond to mild and moderate diseases among the 28 serious diseases that must be covered by critical illness insurance. The setting of mild and moderate diseases can lower the threshold for consumers to claim compensation.
However, the critical illness insurance of family medical insurance can only be used to claim for critical illness, which also shows that if the disease does not meet the standard of critical illness, family medical insurance will not be responsible for your critical illness, so you have to pay for it yourself.
There are many well-done critical illness insurance in the market. In addition to the complete basic guarantee, the proportion of extra compensation for specific age groups is also high.
Take the product of Versailles 1 as an example. In contrast, the critical illness insurance of family medical insurance is much worse. ..
Second, is the family medical insurance critical illness insurance cost-effective? Is it worth buying?
It is no exaggeration to say that the leverage of critical illness insurance for family medical insurance can be said to be extremely low.
It will be more convincing to compare and analyze the products of the same company-A Mu Tong 1.
A Mu Tong 1 not only provides excellent basic guarantee, but also provides multiple compensations for mild and moderate diseases, and the proportion of extra compensation for serious diseases can reach 100%.
One Mu Tong 1, with the insured amount of 500,000, and the payment is 30 years. For a 30-year-old man, it only needs 6900 yuan, which is really not expensive.
Under the same conditions, in terms of premium, there is little difference between the critical illness insurance of home medical insurance and A Mu Tong 1, but there are some shortcomings such as insufficient basic guarantee and weak guarantee.
Compared with "predecessor" A Mu Tong 1, the performance of critical illness insurance of family medical insurance can be said to be very poor.
On the whole, the content of critical illness insurance of family medical insurance in health service guarantee is quite good. However, if you buy this product specifically for this health service guarantee, Senior Sister thinks it is not appropriate. A large part of the reason is that the critical illness insurance of family medical insurance is not recognized by people, and the price is not affordable for ordinary people.
Write it at the end
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