Today, senior sister will take a look at the health and critical illness insurance with everyone to see if it is really so excellent. Click on the link below to understand the true face of enjoying health and critical illness insurance:
How about "Fude Life enjoys health and critical illness insurance"? I won't buy it because of this defect? 》
First, enjoy the secret of health protection content!
If you want to know whether this product is reliable and suitable for us to buy, you must first know what guarantee content it has. Concise, go directly to the exclusive health protection map painstakingly compiled by Senior Sister:
The above table tells us that enjoying health critical illness insurance can be guaranteed for life, which is suitable for people born from 25 days to 60 years old. Its basic protection covers a wide range, including serious illness protection, moderate illness protection and minor illness protection, and also provides other protection.
So what are the highlights of this product that deserve our consideration? Senior has been counted, please see the following:
1. Short waiting time
For exclusive health care products, the waiting period is only 90 days. Compared with those products that need 180 days, the 90-day waiting period is an excellent level in the market.
In fact, many friends don't quite understand the meaning of waiting period, so they don't value it. But the shorter the waiting period, the faster it can be guaranteed and more friendly to consumers. Although you are in danger while waiting, it is not good. If you don't believe me, just read 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. Other safeguards are very practical.
Enjoy health and other comprehensive protection, such as multiple compensation for acute myocardial infarction, multiple compensation for stroke sequelae, multiple compensation for malignant tumor-severity, etc. , very practical.
How can senior sister say that? Take malignant tumor-severe multiple compensation guarantee as an example;
Malignant tumor, that is, cancer, is a disease with the highest incidence among serious diseases. Fortunately, the medical level is getting better and better now, because it also improves the probability of cancer cure. But then again, although the cure rate has improved, the point is that you must have money!
Cancer is quite easy to recur and metastasize, so it is very important to pay for cancer many times!
If it is the first time that a malignant tumor-severe-is diagnosed, it can be diagnosed again in three years, and it can be paid for the second time or the third time. Each payment is 100%, which is very considerate to the insured ~
Now, do you want to buy it quickly ~
However, senior sister still suggests that you choose carefully. In fact, this product also implies many small pits. If you don't believe me, please continue reading:
1. The payment period is limited.
If the insured is prepared to insure the health enjoyment of more than 300,000 yuan, he can only choose 19 years at most, which is very inflexible. However, many excellent critical illness insurance products on the market will not make this provision. ...
The premium of critical illness insurance is not a small sum. It would be better if it can be paid in 30 years, and the annual premium will be less, reducing the pressure of payment.
The reason is similar to buying a house. If you can repay it in 40 years, will you still choose the repayment method of 20 years?
2. You can only choose to save your life.
There is only one guarantee period for enjoying health, that is, lifelong guarantee.
There are still many options for some very good critical illness insurance in the market, such as 10 year, 20 years, 60 years, 70 years and so on. You can also choose a lifetime guarantee period.
In terms of stability, although lifetime guarantee is better, the price of lifetime guarantee is high! If people's budget is limited and the premium of life-long critical illness insurance is not within their acceptable range, then it will be a better choice to keep regular critical illness insurance.
If your budget is insufficient, it will be unfriendly to enjoy health. ......
Second, is it worthwhile to enjoy health?
Through the above introduction, you should know something about enjoying health and critical illness insurance ~
On the whole, enjoying health and critical illness insurance has low cost performance, insufficient protection and limited payment period. It can only be chosen for life and is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"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;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!