Before analyzing, you'd better study these contents:
"Super complete! Everything you want to know about insurance is here.
1. What is the speed of advocating harmonious health? Are you quick?
1. Is Harmony Health Insurance a powerful insurance company?
Established in 2006, Harmony Health is one of the national professional health insurance companies.
The company has a registered capital of 654.38+03.9 billion yuan and assets of 320 billion yuan, and is headquartered in Chengdu. At present, there are 654.38+05 provincial branches and 57 branches in China, basically forming a nationwide service network.
2. Is the speed of harmonious health claims fast?
According to the data of the 2020 annual claims report of Harmony Health Insurance, 4 194 claims were paid in the whole year, and the amount of compensation reached 280 million yuan.
The latest data shows that the average prescription of personal health insurance claims for harmonious health is 1.96 days, which has reached the average level.
You don't need to pay attention to the insurance company's delay in payment. The Insurance Law stipulates that the insurance company shall give a reply within 30 days after receiving the claim and determine the claim. Within ten days, the insurance premium must be paid to the insured.
With the protection of insurance law, it is impossible for insurance companies to delay claims, so you don't have to worry so much at all ~
As for a harmonious and healthy life, it doesn't meet our requirements. Let's tell you the evaluation results.
Second, is Fuman's life worth buying? What are the advantages and disadvantages?
As usual, let's take a look at the content map of Fuman Life Security:
After reading the pictures, we can all draw a conclusion: Fuman's life is not only a critical illness insurance, but also a whole life insurance. On the whole, its protection content is still very good, and then I will explain it to my friends!
The benefits of enriching life:
1, extra compensation for serious illness
Life-long critical illness insurance has extra compensation. It is stipulated that 70% of the insured amount can be paid for the first serious illness before 6 1 one year old, and 170% of the insured amount can be obtained when receiving * *.
For example, 30-year-old Wang Mai enjoys a life insurance policy of 500,000 pounds. Just when he was 50 years old, he suffered from diseases stipulated by insurance, and he could get a basic insurance coverage of 500,000+an extra compensation of 350,000 for serious illness = 850,000.
If there is no additional compensation for serious illness, Lao Wang can only get 500 thousand, and 350 thousand is really a lot worse. According to this, it can be seen that the lifelong payment for serious illness with additional compensation for serious illness is very exciting!
2. Optional responsibilities are sweet.
Data breakdown shows that malignant tumor accounts for a large proportion in critical illness insurance claims, reaching 60% to 80%, and more than half of malignant tumor patients will relapse after surgery.
Moreover, the rejuvenation of cardiovascular and cerebrovascular diseases cannot be taken lightly, and more than half of the patients are young and middle-aged people who are taking on family economic responsibilities.
Fuman provides two optional responsibilities: secondary compensation for malignant tumor (severe) and secondary compensation for specific cardiovascular and cerebrovascular diseases. The compensation ratio is 120%, which is very considerate.
This paper introduces the benefits of enriching life. Let's look at its shortcomings:
1, waiting time is too long.
The waiting period for a full life is 180 days, which means that the insured needs to wait for half a year to get protection. Until now, if the insured has an insurance accident, the insurance company will not compensate!
Compared with other excellent critical illness insurance, there is only a waiting period of 90 days, and the competitive advantage in this field is weak for life.
Because you won't accept unexpected compensation during the waiting period, don't buy insurance with a long waiting period, which is more beneficial to yourself.
For example, Versailles plus critical illness insurance, as long as the waiting period is 90 days, people under the age of 65 have extra payment for critical illness insurance, and malignant tumors have three opportunities to pay. If you want to master it more deeply, just look at the following article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Optional responsibility bundling sales
In fact, the secondary compensation for malignant tumor and the secondary compensation for specific cardiovascular and cerebrovascular diseases are bundled and sold, and both should be selected or not. You can only choose one of these two options.
For consumers who only want the second compensation for malignant tumors or specific cardiovascular and cerebrovascular diseases, it is indeed a bit hard to buy and sell. After all, when these two guarantees are added together, the premium will increase by nearly 1000 yuan, so some people will think that it is low in cost performance.
If the flexibility of this product can't satisfy you, you can look at these models compiled by Senior Sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Summary: the speed of harmonious health claims is still very satisfactory, and the Fuman lifelong critical illness insurance of his family is also excellent in terms of protection content and compensation. What needs to be explained here is that the waiting period of Fu Man's life is too long. You can't just choose one optional content, you should choose it together, and you should also pay attention when buying it ~
Write it at the end
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