The following sister will give you an in-depth evaluation! This article can help you get familiar with exclusive health and critical illness insurance in advance. If you don't know, let's take a look:
How about "Fude Life enjoys health and critical illness insurance"? I won't buy it because of this defect? 》
1. What is the coverage for enjoying health and critical illness insurance? Is it suitable for insurance?
Senior, I won't go into details about other words, that's all:
I saw the protection content covered by the exclusive health critical illness insurance. Let's have a deeper understanding with my senior sister.
Advantages of enjoying health critical illness insurance:
1. Short waiting time
The waiting period for enjoying health critical illness insurance needs to wait for 90 days. Compared with those critical illness insurance with a waiting period of 180 days, the time is reduced by half, which is really good!
We should understand that the shorter the waiting period, the faster the insured can enjoy the protection, so the insured will lose less.
In addition, the insurance company will not pay for the insurance during the waiting period. If the insured is out of danger before the waiting period of the insurance contract expires, he will have to pay the medical expenses out of his own pocket. Isn't it meaningless to buy critical illness insurance?
However, it does not mean that 100% will not compensate everyone during the waiting period. Under what circumstances can the waiting period be paid? The answer is as follows:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. China has an excellent proportion of disease compensation.
Enjoy health critical illness insurance to provide 60% coverage for China's diseases. Senior sister can't help feeling that this is too generous. After all, most critical illness insurance products only pay 50% of the insured amount for moderate diseases.
Don't underestimate the extra 10%. If the insured buys 500,000 yuan, this 10% is 50,000 yuan. Let's do the math. Many people want to save 50,000 yuan, and they may not eat or drink for several months!
So from this point of view, it is better to enjoy health and critical illness insurance!
3. Critical care! Get on your guard.
As can be seen from the above figure, the protection of health and critical illness insurance is particularly strong, and a special care fund is also provided. In addition, you can enjoy 5 payments at the top!
/kloc-was insured before the age of 0/8. In case of an accident before 18 or after the age of 60, you can apply for an additional claim of 100%.
Suppose you 18 years old, and you will start as an adult. You can get an extra 100% if you are in danger after the age of 70.
Explain that Xiao Li bought exclusive health and critical illness insurance at the age of 18, and bought 500,000 insurance coverage, whether before 18 or after 60 or 70.
I enjoyed the compensation of1100,000 yuan, so I don't have to worry about the treatment cost!
Disadvantages of enjoying health critical illness insurance;
1. Single choice of guarantee period
You can only choose the option of whole life insurance for the guarantee period of health and critical illness insurance. But life insurance is not a loss for us, so that the insured can enjoy protection until his death.
However, life-long critical illness insurance is not very cheap, which will make some friends who are short of money feel pressure.
And most excellent critical illness insurance can be insured until the age of 70 or 80. Comparatively speaking, enjoying health critical illness insurance can't meet the needs of most friends.
And seniors must tell everyone that buying insurance should choose the one that suits them best!
2. the payment period is very difficult
Attention, senior, if you want to enjoy more than 300,000 health and critical illness insurance coverage, you can only pay 19 years at most, which can only be said to be unfriendly!
All-round evaluation of Fude Life Insurance's enjoyment of health and critical illness insurance -22 If the budget is not enough, 30 years of payment is most beneficial to us, which can help us reduce the pressure of annual payment.
In addition, exclusive health critical illness insurance only allows you to choose life insurance, and the premium is definitely more expensive than regular critical illness insurance.
Second, the senior sister suggested
On the whole, it is not cost-effective to enjoy health and critical illness insurance. Although the protection of middle-aged diseases and special care for serious diseases are in place, the protection period and payment period are insufficient and it 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!