Senior students who like to read private letters probably mean that the value of critical illness insurance under CITIC Prudential is not worth buying, so I would like to take this opportunity to talk to you about this problem.
Before the formal explanation, let's learn about the background and strength of Prudential:
"Prudential company's critical illness insurance which is good, Bao Hui? 》
First of all, analyze the guarantee content of Bao Hui Critical Illness Insurance!
Let's take a look at the specific protection content of Bao Hui:
CITIC Prudential Bao Hui critical illness insurance is a single payment type of critical illness insurance. Simply put, it is a serious illness 1 times, and it is not a mild one. Let's analyze it in detail!
1, and the waiting period is set reasonably.
Prudential Bao Hui critical illness insurance has a waiting period of 90 days, which is quite reasonable.
After all, the waiting period of critical illness insurance at present is not less than 90 days.
If during the waiting period, the insurance company suffers from serious illness, death or total disability due to non-accidental reasons, the insurance company will not bear the insurance responsibility.
But if it is an accident, the insurance company will compensate according to the contract.
For more information about the waiting period, you can learn from this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Major disease support analysis
Prudential Bao Hui critical illness insurance covers 120 kinds of diseases. The biggest advantage of this product is that it can provide twice the coverage for serious illness before the age of 56 or ten years before the policy (whichever is later)! In other words, 300,000 insurance will be invested and 600,000 will be paid for serious illness.
But there is a premise that the insured must be in good health. Simply put, the physical examination results require everything to be normal.
Therefore, for friends with normal physical examination results, you can choose Scheme B, and you can enjoy the benefits of double payment of insurance money under 56 years old or seriously ill for ten years before the policy.
If you do not meet the above criteria, you can only choose Plan A, and you will not be able to enjoy double claims.
Of course, comparing Scheme B with Scheme A, Scheme B is a little more expensive, and the price is set at about 20% higher.
Second, is prudential Bao Hui's critical illness insurance worth starting with?
After the above analysis, I believe everyone has a certain understanding of the critical illness insurance of Xincheng Bao Hui. This product still has some bright spots, but everyone's needs are different, so everyone should decide whether to insure according to their own needs.
Of course, if you think this product is not suitable for you, you can also look for other products, starting with the best.
Finally, senior sister compiled a list of the most popular critical illness insurance in the market, hoping to help everyone:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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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