It is said that after the new upgrade, the number of cases of moderate and minor diseases has increased, and the security content is better. In order to help you confirm whether this product is so excellent or not, Senior Sister immediately began to evaluate this product.
At the beginning of the evaluation, senior suggested that we consult and see what is the difference between health-related critical illness insurance B and other popular critical illness insurance on the market: health-related critical illness insurance B and 136 excellent critical illness insurance comparison table.
What are the advantages and disadvantages of 1.B type critical illness insurance?
Look at the picture directly and analyze:
As can be seen from the above figure, the insurance age of this health-related critical illness insurance product B is 0-65 years old, and it is guaranteed for life. The waiting period is 90 days, and the payment period is divided into annual payment and payment to 50/55/60 years old.
Let's understand the advantages and disadvantages of this product:
1 advantage, health-related critical illness insurance type B.
① The age range of insurance is wide.
The minimum age of insurance for this health-related type B critical illness insurance product is 0 years old and the maximum age is 65 years old. The insurance age is very loose.
Generally speaking, the maximum insured age of critical illness insurance products on the market is 55 years old. If you are over 55 years old, you can't be insured.
However, the maximum insured age of this health-related critical illness insurance B is actually 65 years old, and people over 55 can still be insured.
In contrast, it is quite good that health-related critical illness insurance type B can meet the insurance needs of more people.
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%.
B-type critical illness insurance 18-28 years old death compensation is 50% higher than other critical illness insurance products, which is commendable.
Speaking of death protection, some friends will feel that this protection seems unnecessary. Is this idea reasonable? Let's see what the experts say: there is no insurance against death? Don't you get it?
2, health is accompanied by the shortcomings of critical illness insurance type B.
① The extra compensation for serious illness is unreasonable.
At present, all the critical illness insurance products on the market have the extra payment guarantee for critical illness, and the health-related critical illness insurance type B is also listed, but the extra payment for critical illness insurance type B is set as garbage!
The critical illness insurance clause in Health Partner B states that only when a critical illness is diagnosed 10 years before the insurance policy, can you get an extra payment of 50% of the insured amount.
The essence of extra compensation for serious illness is to make the family economic pillar enjoy comprehensive protection, but the insured may not become the family economic pillar 10 years before the policy.
For example, Lao Li provided his 12-year-old daughter with a health-related type B critical illness insurance. In the 10 policy, his daughter is 22 years old and has just graduated from undergraduate course, so she doesn't need to bear too many family economic responsibilities, let alone be the pillar of the family.
In the future, she will shoulder the burden of the family, but there is no additional compensation for serious illness, which is very unreasonable.
② The proportion of compensation for chronic diseases is low.
At present, most of the critical illness insurance products on the market have reached 60%, but the critical illness insurance of Health B accounts for 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.
③ Mild symptoms have invisible grouping.
Even if the health-related critical illness insurance type B can't pay for minor illness in three times, there is an invisible grouping, that is, only paying for one disease will affect the probability of paying for minor illness multiple times.
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 can also be said that after the pituitary adenoma is diagnosed for the first time and received mild compensation, the pituitary adenoma and related brain tumors can no longer be paid.
Due to the limited content, I won't elaborate on other loopholes in this product, senior. If you have any friends who want to know more, please see the following: "Health with B" critical illness insurance has been newly launched, and these defects are unacceptable to me.
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
At this point, everyone should know something about this health-related critical illness insurance B.
Generally speaking, the protection of this health-related critical illness insurance product B is relatively simple, and it can't find a very good point, but it will see many defects. It's like setting up extra compensation for serious illness, hiding minor illness and so on.
Senior sister suggested that friends who want to insure B-type critical illness insurance with health should not believe it casually, and make a comparison with others before deciding to buy, so as not to choose to regret it in the future.
Write it at the end
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