Today, Senior Sister will take a look at the Healthy and Worry-Free Edition with everyone to see if it is really so excellent.
Before starting the analysis, you may want to know the role of critical illness insurance:
"Do you want to buy critical illness insurance? If we don't get out of danger, won't the money be wasted? 》
First, analyze the protection content of Xinhua Health Worry-Free Edition, and the shortcomings are obvious!
If you want to know whether the price-performance ratio of Xinhua Health Worry-Free Premium Edition is excellent, let's take a look at its product map first:
As shown above, Xinhua Health Worry-Free Edition has obvious advantages and disadvantages. Let's analyze and judge one by one.
& gt& gt Advantages of Xinhua Health Worry-Free Premium Edition:
1, including special disease protection for accidental injuries of adults.
Different from other critical illness insurance products, the main highlight of Xinhua Health Worry-Free Premium Edition is that 18-60 years old dies due to 15 specific serious illnesses or accidents, and extra compensation is paid 100% of the insured amount.
If you start with a coverage of 500,000 yuan, the extra compensation you can get will reach 500,000 yuan, which improves the overall protection of the insured after adulthood, which is very cost-effective!
I would like to know the terms of the corresponding protection of Xinhua Health Worry-Free Edition, as shown in the following figure:
2. The premium will not be upside down.
As we all know, the older you are, the higher the risk of purchasing critical illness insurance, and it is easy to have the premium upside down, that is, the premium paid is more than the insured amount.
However, the above-mentioned risks are unlikely to occur in this critical illness insurance of Xinhua Health Worry-Free Edition, because no matter from the perspective of critical illness protection or death protection, it is paid according to the larger of the basic insurance amount 100% and cash value. This advantage is that the insured can get more compensation than the money he paid.
Through analysis, it is found that Xinhua Health Worry-Free Edition is good? This article will immediately explain:
What is the price-performance ratio of Xinhua's "Healthy and Worry-Free Edition"? Let me tell you the answer! 》
{Xinhua Health Worry-Free Edition -34 coins have two sides.} Besides, is it used as an insurance product? What are the shortcomings of Xinhua Health Worry-Free Edition? Let me introduce you one by one!
& gt& gt Disadvantages of Xinhua Health Worry-Free Premium Edition:
1, and the longest payment period is only 20 years.
A kind of critical illness insurance worth buying, and the longest period for paying the insurance premium is allowed to be paid within 30 years. For this kind of long-term critical illness insurance, the longer the payment period, the cheaper the annual premium sharing, and the more opportunities to obtain insurance exemption clauses.
If you choose a 30-year payment period, you will be out of danger in the year after paying 10, so you don't have to pay the remaining 20 years of premium. If the annual premium is 3,000 yuan, you can directly save 60,000 yuan, which is very considerate for friends with insufficient budget!
However, the longest term of Xinhua Health Worry-Free Edition is only 20 years. In contrast, it is obviously slightly inferior.
If you want to choose a flexible payment period with a payment period of 30 years, please browse this latest list of critical illness insurance:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. The proportion of compensation for minor diseases is low.
I used to think that Xinhua Health Worry-Free Edition can get 6 payments for mild illness, which is still quite ok, but its initial diagnosis of mild illness can only get 20% of the insured amount, which is too low!
Compared with the mild compensation ratio of 30% of the same type of products, Xinhua Health Worry-Free Premium Edition is not very cost-effective!
Imagine, with the same insurance coverage of 500,000 yuan, other people's minor illnesses really paid 6.5438+0.5 million yuan, while Xinhua Health Worry-Free Edition only paid 6.5438+0 million yuan. Will the difference of 50 thousand yuan be easily accepted by everyone?
The evaluation content of Xinhua Health Worry-Free Edition has been analyzed here, so is this product worth buying? Insurance advice is as follows!
Second, is the Xinhua Healthy and Worry-Free Edition worth buying? Look at this first!
On the whole, the Health and Worry-Free Premium Edition is not worth buying because of its low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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