Before starting the evaluation, friends who don't know much about cancer insurance can read this popular science article:
What is cancer insurance, how to buy it, which is good, comprehensive analysis, comparative evaluation.
1. How about PICC Health E-help Internet malignant tumor (severe) disease insurance?
According to the old rules, senior sister has compiled the protection map of this product for everyone. You can have a look first:
1, insurance rules
Let's talk about the insurance conditions of this product first. People born more than 30 days -70 years old have the opportunity to successfully apply for health insurance and help Internet malignant (severe) disease insurance.
Secondly, unless otherwise agreed, the warranty period of this product is only one year. It should be emphasized that this product is not guaranteed to be renewed.
This means that when the insurance period expires, if you intend to continue to apply for insurance, then the insured needs to apply to the company again, get the approval of the company, and pay the insurance premium at the same time, and the insured can get a new insurance contract.
At the same time, if the insurance is stopped, the insurance company will refuse to insure.
For payment methods, this product has added a variety of options, including wholesale payment, monthly payment and semi-monthly payment. Batch payment means that the insured pays all the premiums at the time of insurance. The monthly remittance is actually the first remittance in January, which can appropriately release the economic pressure.
Of course, semi-monthly payment can also alleviate some economic pressures, but this payment method is a bit cumbersome for some small partners. Once the premium is not paid in time, the insurance contract will be invalid after a certain period of time, and it is impossible to continue to provide protection for the insured.
At the same time, the product has three exemption clauses and the waiting period is 90 days. Secondly, unless otherwise agreed, the insurance liability does not include the waiting period if the applicant re-adds for the insured within 15 days before or after the expiration of the insurance period of the previous insurance contract.
If the insured suffers from the disease agreed in the contract before the waiting period expires, the insurance company will not pay the insurance premium and return the paid insurance premium to the insured without interest, and the contract will be terminated.
For more information about the waiting period, Senior Sister has arranged it in this article. Interested friends can have a look:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Guarantee content
Let's talk about the content of protection. PICC Health E helps the Internet with malignant (serious) illness insurance, and provides the insured with malignant-serious illness insurance money.
If the waiting period of the insured expires, that is, 90 days after the contract comes into effect, the hospital specialist recognized by the company is diagnosed as "malignant tumor-severe" as agreed in the contract for the first time, and if it meets the conditions, the insurance company will pay the agreed insurance amount according to a certain proportion.
Although the coverage of this product is relatively simple, you must read the product terms carefully when you apply for insurance, pay close attention to which diseases are not within the scope of "malignant tumor-severe" and know which medical institutions are recognized by the company.
For more details about PICC Health E-Family's assistance to Internet malignant (severe) disease insurance, please go here for details:
"Look before you buy! How about China People's Insurance Company's Health E-help Internet malignant tumor (severe) disease insurance? "
Second, PICC Health E helps Internet malignant tumor (severe) disease insurance. Is it worth starting with?
On the whole, this product needs to pay attention to many things, such as refusing to pay compensation during the waiting period (unless otherwise agreed), and the warranty period is only 1 year and there is no guarantee for renewal.
If you are looking for long-term stability, then this product is not suitable. Therefore, senior sister suggests that you analyze the protection contents and precautions before taking out insurance, and it is not too late to shop around before making a decision.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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