Before the evaluation, Senior Sister suggested that you had better know about the market situation of critical illness insurance:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1. How does critical illness insurance protect harmonious, healthy and well-off families?
Not much to say, let's take a look at the product evaluation chart:
As can be seen from the above protection chart, Harmony and Health Fujiabao is a lifelong critical illness insurance product. In terms of insurance age, it is set to be 28 days to 60 years old, and the waiting period is 180 days, and the longest payment can be divided into 30 years.
Among them, the basic security includes serious illness security, moderate illness security and minor illness security. Through this safety responsibility, the senior did not find anything outstanding, but there are many bad places:
1, single warranty period
Friends who know about critical illness insurance should know that the protection period of critical illness insurance can be divided into lifelong protection and regular protection.
Guaranteed lifelong critical illness insurance products can avoid the guarantee gap, but the premium is expensive; The protection of regular critical illness insurance products will be insufficient, but the premium price can be slightly cheaper.
For people with sufficient budget, then you can choose life-long critical illness insurance products with relatively perfect protection;
Some people don't have enough budget, and they can also choose Baoding-type critical illness insurance products with cheaper premiums for transition.
The critical illness insurance of harmony, health, welfare and family insurance has no choice but to protect life, which makes friends with limited budget have to stop.
2. The waiting time is too long
As we all know, if the insurance accident occurs during the waiting period, then the insurance company does not support claims, and the protection of the insured begins after the waiting period ends.
In other words, the shorter the waiting period, the better for the insured.
We are familiar with the waiting period of critical illness insurance, which is usually 90 days and 180 days. The waiting period of harmonious health and welfare family insurance is the longest, which has surpassed most critical illness insurance in the market and is twice as long as theirs.
To put it simply, after supporting the harmonious and healthy Fujiabao critical illness insurance, within 180 days after the successful insurance, we must first ensure that we can't go out of danger, otherwise the insurance company will directly refund the premium and terminate the contract.
From this perspective, the waiting period of harmonious, healthy and happy family insurance for critical illness insurance is very unreasonable.
3. There is no additional compensation guarantee for serious illness.
For critical illness insurance, the standard configuration is the extra payment guarantee for critical illness. Under the current circumstances, most of the critical illness insurance products on the market are equipped with additional compensation protection for critical illness.
At present, Versailles 1 critical illness insurance with bursting purchasing power is equipped with two different stages of additional compensation for critical illness. In the first stage, the insured is diagnosed with a serious illness for the first time before the age of 60, and can get 80% coverage. In the second stage, when the insured is diagnosed with a serious illness for the first time between the ages of 60 and 64, he can get an additional compensation guarantee of 30% of the insured amount.
But the critical illness insurance of harmony, health and welfare is different. It is very inconsiderate not to give extra compensation for serious illness.
For those who want to know more about the protection of critical illness insurance for harmony, health and well-being, take a look at this article:
"After stripping off the harmonious and healthy" rich family treasure "clause, my patience has been exhausted."
Second, is it recommended to have a harmonious, healthy and well-off critical illness insurance?
At this point, I believe that everyone has a comprehensive understanding of the protection of critical illness insurance for harmonious health and welfare.
Generally speaking, the protection of critical illness insurance for harmony, health and well-being is not very good compared with other excellent critical illness insurance, and its cost performance is relatively low.
Therefore, senior sister suggested that you should think twice before buying critical illness insurance with harmonious health and welfare, and it is best to shop around before going out.
You can also refer to this list compiled by Senior Sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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