It is said that the product guarantee is quite comprehensive and the cost performance is super high. Sister Xue will take you to know if it is really so good today ~
Before this, friends may wish to take a look at the comparison table between this dual-use health insurance and the domestic popular critical illness insurance, and see how the product protection of Harmonious Fu Jia Guarding Critical Illness Insurance is:
Harmonious Fu Jia Guarding Critical Illness Insurance and National Prevalence 136 Critical Illness Insurance Comparison Table
First, the protection content of harmonious Fu Jia critical illness insurance
Not much to say, let's take a look at the content map of the protection of critical illness insurance in harmonious Fu Jia:
Harmonious Fu Jia Guarding Critical Illness Insurance
Let's look at the protection map together. The insurance protection set by the Harmonious Fu Jia Guarding Critical Illness Insurance is indeed more than the general critical illness insurance. Next, I will make a comprehensive analysis with you ~
Advantage 1: Excellent critical illness protection setting.
The setting of compensation for critical illness insurance in harmonious Fu Jia is quite strong, which is mainly reflected in:
① The proportion of compensation for serious illness increased in turn;
(2) Two claims for serious illness are only 180 days apart;
(3) optional additional compensation for the first serious illness, paying 100% of the insured amount.
Look at the current market. There are many critical illness insurance, and the proportion of each critical illness insurance is 100%. The interval between two serious illness payments is one year, and the first serious illness does not require additional compensation. In contrast, Harmonious Fu Jia has performed exceptionally well in guaranteeing critical illness insurance.
Maybe some friends still don't understand the gap between these guarantees. Sister Xue will give you a simple and clear explanation.
Suppose a person under the age of 60 is diagnosed with a serious illness, and after an interval of 200 days, another serious illness is diagnosed because of accidental injury, which is different from the previous serious illness.
Then, if he is insured with ordinary multiple payment critical illness insurance, he can only get 100% critical illness insurance premium for the first time.
If the products with additional critical illness compensation are selected for Harmonious Fu Jia's critical illness insurance, the insurance company will pay 200% of the first critical illness insurance premium and 120% of the second critical illness insurance premium, which is 220% more than the ordinary multiple critical illness insurance.
In this case, I believe everyone can see how big the gap is ~ so don't take these small differences seriously.
Of course, there are such excellent critical illness insurance settings, and critical illness insurance is not limited to this one. Xintai's first edition of Ruyi Hulu has a good performance. Interested parties can compare these products and see which one is better:
Can I buy the critical illness insurance for the first edition of Ruyi Golden Gourd? Look here! 》
Advantage 2: There are many optional guarantees.
Harmonious Fu Jia has set up optional protection for critical illness insurance. There are three projects. These three items include multiple compensation for specific cardiovascular and cerebrovascular diseases, multiple compensation for serious malignant tumors, special disease protection for children and additional compensation for the above-mentioned serious diseases.
More optional protection means that we can attach appropriate protection according to our own needs ~
For example, if you want to buy insurance for your children and want more comprehensive protection, you can choose special disease protection for children.
If some people work overtime all the year round and have great psychological pressure, they can choose to pay more for cardiovascular and cerebrovascular diseases according to their own needs when they are insured.
Insufficient: Long waiting time.
Although Harmonious Fu Jia's critical illness insurance has many outstanding advantages, its existing problems are also obvious.
The waiting period of critical illness insurance in harmonious Fu Jia is as long as 180 days, while the waiting period of critical illness insurance in the market is generally set at 90 days, which is twice as long.
It is necessary to know that the insurance company does not have to make any compensation for the waiting period, so for consumers, of course, I hope that the waiting period can be shorter.
In this respect, the performance of Harmonious Fu Jia in guarding critical illness insurance is really average.
Second, it is not worth buying the critical illness insurance of harmonious Fu Jia.
On the whole, the setting of critical illness insurance in harmonious Fu Jia is still excellent, and there are many protection options, which can meet the needs of many people, but this shortcoming of long waiting period is hard to ignore.
Senior personally thinks that if the insured only pays attention to the basic insurance, the critical illness insurance of harmonious Fu Jia can be considered, but if you want more comprehensive protection and cost-effective advantages, you still need to have a comprehensive understanding of other critical illness insurance products on the market.
But many small partners don't necessarily know what good products are on the market. The following are some critical illness insurance products for reference:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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