1, multiple guarantee periods
When taking out health, welfare and critical illness insurance, everyone is free to choose the protection period. At present, the insured can choose to protect for 20 years, 30 years or regularly to 70 years old, which can meet everyone's needs.
2, the premium is low. The premium of this product is low, and the insured can also enjoy the premium refund after his death.
If men buy health welfare critical illness insurance, the annual premium is only 3650 yuan, while women buy health welfare critical illness insurance, the annual premium is only 2850 yuan, which is very cost-effective in the same type of critical illness insurance.
3. Wide protection range
Health welfare critical illness insurance provides 100 protection for 50 kinds of serious illness and minor illness, covering high-incidence diseases at different stages of life.
Disadvantages of China People's Insurance Company's health and welfare type of critical illness insurance
1, strict waiting period
China People's Insurance Company has a strict waiting period for health and critical illness insurance. If a minor illness, serious illness or death occurs during the waiting period, it is usually impossible to get compensation.
2. Health information is very strict
The health notification of this critical illness insurance product is strict. If the insured has hepatitis B or abnormal liver function, it is generally impossible to buy this product.
In addition, if the insured has refused, postponed, increased the cost or attached relevant conditions in the previous two years, he cannot buy it.
3. Additional medical insurance is not allowed.
The same type of critical illness insurance products can be attached with medical insurance after purchase, but the health and welfare critical illness insurance does not have this advantage.
If the insured has medical insurance, it needs to be insured separately.
However, if the insured has bought medical insurance before buying this insurance, this can be ignored.