If you don't fully understand the insurance company Guohua Life Insurance, you must read this article before you begin to introduce it:
How about Guohua Life Insurance? Is it reliable? Tell you in one article! 》
1. What are the critical illness insurances of Guohua Life Insurance?
This year, Guohua Life Insurance launched two new products, namely National Health Fu 202 1 and Huarui National True Love 202 1. Are these two types of critical illness insurance excellent? Let's do an analysis together, first look at the safety map:
From this comparison chart, we can see that the national health welfare of Guohua Life Insurance is 202 1 and the national true love of Huarui is obviously very different:
1, comparison of critical illness protection
Huarui National True Love 202 1 insured 10 of Guohua Life Insurance can pay 100% of the insured amount, while National Health Welfare 202 1 can only cover 180, which is more than/kloc-0.
However, National Health Insurance 202 1 can not only pay 100% of the insured amount. For example, the insured is diagnosed as seriously ill for the first time before 10 policy date (excluding), and can pay 130% of the insured amount. For example, if we buy 500,000 insurance coverage, we will get 650,000 yuan compensation in case of serious illness.
Guohua Life Insurance's National Health Insurance 202 1 pays an extra 30% of the basic coverage for serious illness, but there are many serious illness insurances in the market that can be diagnosed before the age of 60 and pay an extra 80% of the coverage.
2. Comparison of protection against mild and moderate diseases
These two types of critical illness insurance have the same mild and moderate diseases as Guohua Life Insurance. The difference is that the mild and moderate diseases of National Health Welfare 202 1 are mandatory, while the mild and moderate diseases of Huarui National True Love 202 1 are optional.
If Huarui National True Love 202 1 is set like this, there will be advantages. If you don't need the protection of moderate and mild diseases, or don't have enough premium budget, you can choose any one of Huarui National True Love 202 1 for the insured, which is more cost-effective and less expensive.
3. Comparison of death protection
Guohua Life Insurance National Health Welfare 202 1 has two options for death protection, and Huarui National True Love 202 1 also has two options. In this way, you can consider your actual situation before taking out insurance, so as to choose the appropriate death protection responsibility.
4. Other safety contents
Guohua Life Insurance National Health Welfare 202 1 not only provides the insured with two or three payments for malignant tumors, but also provides specific serious illness protection, and the proportion of each payment will be 1 times of the basic insurance amount.
Let's take multiple compensation for cancer as an example. Although the current medical technology is very good, there is still no way to clean up the cancer cells. According to statistics, three years after operation, cancer patients still have an 80% probability of recurrence. The cost of a cancer treatment can already make the whole family's economy fall into a trough. In the unfortunate case of cancer, it is not worse!
Therefore, it is really good to have 2 or 3 payments for the malignant tumor of Guojian Fu 202 1. Compared with Huarui National True Love 202 1, it has set up more comprehensive protection content!
2. Is the critical illness insurance of Guohua Life Insurance worth buying?
We can see the characteristics of two critical illness insurance products of Guohua Life Insurance, and the extra compensation is also included in the National Health Welfare 202 1 Critical illness. Huarui National True Love 202 1 provides a more flexible insurance method. Relatively speaking, the coverage of National Health Welfare 202 1 of Guohua Life Insurance is more complete.
If you want to buy the critical illness insurance products of Guohua Life Insurance, you may wish to consider this National Health Fu 202 1 Contrast Huarui National True Love 202 1.
However, compared with Huarui National True Love 202 1, this National Health Fu 202 1 still has some precautions. Be sure to check whether it is acceptable before applying for insurance:
"I heard that Guohua National Health Welfare 202 1 is particularly good? That's because you haven't found it yet 》
If the budget is tight, you can also consider this Huarui National True Love 202 1 of Guohua Life Insurance. Its optional liability includes mild and moderate diseases, so you can choose the best, and only insure the more important serious illness protection liability, which can save a premium.
Huarui National True Love 202 1 There are still some details that need your attention:
How about the critical illness insurance of Guohua "Huarui National True Love 202 1"? We should pay attention to these three points. "
Finally, senior sister wants to say that when we buy critical illness insurance, we should not only look for the products of one insurance company, but also transfer the disease risk as much as possible for the sake of good health. Therefore, it is necessary to take out the critical illness insurance products of several insurance companies at the same time, and it is possible to find products with more comprehensive protection and better cost performance.
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