Anxious friends can also look at this concise evaluation article in advance:
How about Fuld's life and enjoying health? I won't buy it because of this defect? 》
1. What are the advantages and disadvantages of enjoying health?
As usual, let's take a look at the product evaluation chart of enjoying health first:
The advantages and disadvantages of enjoying health are obvious.
& gt& gt Enjoy the benefits of health.
1, comprehensive basic guarantee
At present, there are more and more critical illness insurance in the market, either lacking the protection of middle illness or incomplete protection of high incidence and mild illness, and it is necessary to continue to improve the basic protection.
For example, the pathological degree between serious illness and mild illness is moderate, the probability of getting compensation is higher than that of serious illness, and the intensity of compensation is greater than that of mild illness, which is enough for the insured to get more money to treat the disease in the middle of the disease and reduce the risk of turning it into serious illness.
The enjoyment of health covers the protection of serious illness, moderate illness and mild illness, and the basic protection is still relatively comprehensive.
2. Short waiting time
Less waiting time can make the insured enjoy insurance protection earlier.
The waiting period for enjoying health is only 90 days, which is the highest standard in the market and is really considerate to the insured.
Many people don't know what will happen if they get out of danger while waiting. After reading this article, you will know:
"Waiting period out of danger? If you don't understand, you will suffer a big loss! 》
In fact, the disadvantages of enjoying health cannot be ignored.
& gt& gt The disadvantages of enjoying health
1, the payment period is too short.
For the insured insurance, the longer the payment period, the better for the insured, which can effectively reduce the pressure on consumers to pay premiums every year.
Many excellent critical illness insurance in the industry have a payment period of 30 years, but the longest payment period for enjoying health is only 20 years, which cannot alleviate the premium pressure of consumers.
It can be seen that for groups with insufficient budget, it is still very bad to buy and enjoy health!
2. The setting of special care fund for serious illness is unreasonable.
Enjoy health, have the right to guarantee special care for serious illness, and pay up to five times.
It looks good, but in fact, the setting of the special care fund for serious illness to enjoy health is unreasonable.
The effective population of this guarantee is 18 years old, 60 years old and 70 years old.
Therefore, people aged 18-60 can only pay 100% of the insured amount if they are seriously ill.
To tell the truth, this is too unfriendly for people aged 18-60. In this case, it is better to replace it with extra compensation for serious illness.
So, how can critical illness insurance be called excellent? See below for the specific answer!
Second, what does high-quality critical illness insurance look like?
No matter what kind of critical illness insurance product, if you want to be excellent, you must meet the following requirements.
1, with sufficient coverage.
Because serious illness will produce high treatment costs, physical function rehabilitation costs, income loss costs and so on. It is best to cover these expenses in the insurance scope to provide more comprehensive protection for risks.
Considering that many small partners don't know how to choose the amount of insurance, you may wish to refer to what the experts said:
How much insurance is appropriate? Talk about the doorway inside.
2. Comprehensive guarantee
When choosing serious illness insurance, you should choose to buy first: serious illness should include multiple payments and the interval should be short, comprehensive, high-risk and mild illness should be covered, and multiple payments should not be made in groups.
In addition to improving the basic security, we should also improve the secondary compensation for high incidence and serious illness, serious illness allowance and other security.
3. underwriting should be relaxed
Old people will inevitably have some minor health problems. If they fail to pass the health notification, it will be difficult to buy critical illness insurance.
When we choose critical illness insurance products on the market, we try to choose products with loose underwriting.
On the one hand, it is easier to be informed by health, on the other hand, it will not miss high-quality critical illness insurance products because of underwriting failure.
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!