It is said that after the new upgrade, there are more cases of moderate and minor diseases, and the guarantee content is impeccable.
In order to know whether this product is really as good as the legend, Senior Sister will make a wave of analysis on this product.
Before the analysis, let's take a look at the difference between health-related critical illness insurance B and other popular critical illness insurance on the market: the comparison table of health-related critical illness insurance B and domestic 136 good critical illness insurance.
What are the advantages and disadvantages of 1.B type critical illness insurance?
Not much to say, let's look at the picture together:
After reading the picture, we can draw a conclusion that the insurance age of this health-related critical illness insurance product B is 0-65 years old, and it is guaranteed for life. The waiting period is three months, and the payment period can be paid annually or at the age of 50/55/60.
Next, let's take a look at the advantages and disadvantages of health-related Type B critical illness insurance products:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
The insurance age range of this health-related critical illness insurance B is 0-65 years old, and the insurance age is relatively wide.
At present, the maximum insured age of critical illness insurance products on the market is mostly 55 years old. In this case, if the insured is over 55 years old, he cannot be insured.
However, the highest age of health-related critical illness insurance type B is 65 years old, which is the highest level that senior sister has ever seen.
After comparison, health with type B critical illness insurance is suitable for more people, and it is still excellent.
② 18-28 years old has a high proportion of death compensation.
As we all know, 100% is the proportion of death compensation for most critical illness insurance over 8 years old.
The health-related critical illness insurance type B divides the death compensation above 18 into two stages. One is to pay 65,438+050% of the insured amount in the first 65,438+00 years; The other is 10 years later 100%.
Compared with other critical illness insurance, health-related critical illness insurance type B will pay 50% more than the insured amount when it dies at the age of 18-28, which still needs to be boasted.
Speaking of death protection, some friends will feel that this protection seems unnecessary. Is this the right idea? Let's take a look at how experts analyze it: can you buy insurance and not die? That's great.
2. Disadvantages of Type B health-related critical illness insurance:
① The extra compensation for serious illness is unreasonable.
At present, all the critical illness insurance products on the market are equipped with the extra compensation guarantee for critical illness, and the health-related critical illness insurance type B is also equipped, but the extra compensation for critical illness insurance type B is not well set!
It is clearly stated in the B-type critical illness insurance accompanied by health that only when the critical illness is diagnosed 10 years before the policy, will you enjoy the extra compensation of 50% of the insured amount.
The essence of extra compensation for serious illness is to provide greater protection for family support, but the insured may not become a family supporter 10 years before the policy.
For example, Lao Li 12-year-old daughter, Lao Li bought her a health-related critical illness insurance. In the 10 policy, his daughter is only 22 years old, and now she just graduated from college, so she doesn't have to bear too many responsibilities in the family economy, let alone be the pillar of the family.
In the later days, when she has to bear the burden of the family, but the extra compensation for serious illness can't protect her, this setting is actually unreasonable.
② The proportion of compensation for chronic diseases is low.
At present, in most serious illness insurance on the market, 60% of the insured amount is the proportion of compensation for medium illness. However, when the insured is diagnosed with a moderate illness, the payment ratio of health-related critical illness insurance type B is only 50%, which is 65,438+00% less than other critical illness insurance products, so it is not cost-effective for the insured to buy this product.
For example, Xiao Li allocated 500,000 yuan in health-related critical illness insurance B, but unfortunately he was diagnosed with China's disease, and the insurance paid him 250,000 yuan. However, if it is a critical illness insurance product with a payment amount of 60%, he can get 300,000 yuan and Xiao Li can pay 50,000 yuan.
Therefore, when we need to insure critical illness insurance, we should choose products with high compensation ratio.
③ Mild symptoms have invisible grouping.
Although health is accompanied by B-type serious illness insurance, it can get three times compensation for minor illness.
However, there is an invisible grouping, that is, there is only one payment for multiple diseases, which will affect the probability of multiple payments for mild diseases.
For example, pituitary adenoma, cerebral cyst, cerebral aneurysm and cerebral hemangioma are four different diseases, but in health-related critical illness insurance B, only one disease can be paid.
That is to say, after being diagnosed with pituitary adenoma for the first time and getting mild compensation, all patients who are diagnosed with the same symptoms or brain cyst, brain aneurysm or brain hemangioma again will not get mild compensation.
Due to the limitation of the content of the article, I won't elaborate on the legacy of health-related critical illness insurance B. If a friend wants to know more, please see the following: health-related critical illness insurance B has some unexpected shortcomings.
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
At this point, you should have a general understanding of this health-related critical illness insurance product B.
In a word, this health-related critical illness insurance B has simple protection and few advantages, but there are many problems. The problems such as extra compensation for serious diseases and invisible grouping of mild diseases are more serious.
Therefore, senior sister suggested that friends who want to buy this product should think twice before making a decision by comparing other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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