It is said that the new upgrade has increased the number of cases of moderate and minor diseases, and the guarantee content is excellent. In order to further confirm the rumored advantages of this product, Senior Sister immediately began to evaluate this product.
Before the evaluation begins, we will compare the healthy critical illness insurance with other popular critical illness insurance at present:
Comparison chart of health partner B and 136 critical illness insurance
What are the advantages and disadvantages of 1.B type critical illness insurance?
It's no use talking more, just look at the picture:
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 the insurance lasts for life, with a waiting period of three months. There are several payment years to choose from: annual payment and payment to 50/55/60 years old.
Then let's take a look at the advantages and disadvantages of B-type critical illness insurance products with health:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
This health-related critical illness insurance product B has a minimum age of 0 and a maximum age of 65, with little age limit.
The highest age of critical illness insurance products on the market is generally 55 years old. If you are over 55 years old, you can't be insured.
However, the maximum insurance age of this health-related critical illness insurance product B is 65 years old, and it will still accept the insurance requirements of people over 55 years old.
In contrast, health-related critical illness insurance can protect more people, which is still excellent.
② 18-28 years old has a high proportion of death compensation.
In most cases, 18-year-old critical illness insurance claims ratio is 100%.
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%.
Health-associated critical illness insurance B will pay the insured who died at the age of 0/8-28 at a premium 50% higher than other critical illness insurance, which is really excellent.
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 provide additional compensation protection for critical illness, and health-related critical illness insurance B is also listed, but the additional compensation for critical illness insurance B does not meet the needs of consumers!
Health-related critical illness insurance type B is given in the articles of association. The diagnosis of serious illness must be 10 years before the insurance policy, and only those who meet the conditions can pay 50% of the insured amount.
The essence of extra compensation for serious illness is to let family supporters enjoy comprehensive protection, and the identity of the insured may not be the family supporter 10 years before the policy.
For example, Lao Li provided his 12-year-old daughter with a health-related type B critical illness insurance. However, in the year of 10 of the insurance policy, his daughter was only 22 years old, not long after graduating from college. He doesn't need to bear too much family financial burden, let alone be the pillar of the family.
In the later days, at that time, she was required to shoulder the burden of the family, but there was no guarantee of extra compensation for serious illness, which was so unfounded.
② The proportion of compensation for chronic diseases is low.
At present, in the critical illness insurance market, the proportion of compensation for diseases in China is mostly at 60%. When the insured is diagnosed with China's disease, the payment 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 interests of the insured, this is very uneconomical.
For example, Xiao Li's health partner B-type critical illness insurance has a coverage of 500,000. Unfortunately, he was diagnosed with China's disease, and the insurance paid him 250,000 yuan. If the other compensation ratio is 60% of the critical illness insurance, {he can get compensation of 300,000 yuan, and Xiao Li will lose 50,000 yuan if he is accompanied by B-19.
Therefore, when configuring critical illness insurance products, we must choose products with high cost performance and high payout ratio.
③ Mild symptoms have invisible grouping.
Although it can be compensated 3 times without grouping, it is the setting of health-related critical illness insurance when it is mild.
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.
For example, pituitary adenoma, cerebral cyst, cerebral aneurysm and cerebral hemangioma are four different diseases, but in health-related critical illness insurance B, only one disease can be paid.
That is to say, after being diagnosed with pituitary adenoma for the first time and receiving light compensation, diseases with the same symptoms for the second time or other brain tumor symptoms for the first time will not receive light compensation.
The number of words is limited, and health comes with type B critical illness insurance. Another loophole in this product is not specifically developed here. If a friend wants to know more, please see the following:
The defect of PICC's "Health Accompanied Type B" critical illness insurance makes me suffocate. ...
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
After explaining this, I think my friends have a clearer understanding of health-related critical illness insurance B.
Generally speaking, the protection of health-related critical illness insurance type B is relatively simple, and it is difficult to find out the special highlights, but we will see many defects.
Senior sister suggested that friends who want to take health insurance for type B critical illness should pay attention and compare with others before buying. They should not regret their original decision in the future.
If you feel that you are not interested in health-related critical illness insurance, and those friends who find other critical illness insurance with high cost performance more attractive, these excellent critical illness insurance products are selected by your senior sister for you. Learn about the following links:
"Top ten popular critical illness insurance inventory suitable for purchase! 》
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