It is said that after the new upgrade, the number of cases of moderate and minor diseases has increased, and the coverage is more complete.
In order to let everyone see if this product is really as good as I heard, Sister Xue immediately began to evaluate this product.
Before the formal explanation, let's compare the health critical illness insurance with other popular critical illness insurance at present:
Comparison chart of health-related type B critical illness insurance and 136 domestic popular critical illness insurance.
What are the advantages and disadvantages of 1.B type critical illness insurance?
It's no use talking more, just look at the picture:
As can be seen from the figure, the insurance age of this health-related critical illness insurance product B is 0-65 years old, the guarantee period is life, and the waiting period is 90 days.
The payment method is annual payment, and you can choose one of the payment years when you are 50/55/60 years old.
Let's first understand the advantages and disadvantages of health-related critical illness insurance B:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
Health-related critical illness insurance type B The maximum insured age of this insurance is 65 years old, and the insured age is not limited.
The highest age of critical illness insurance products on the market is generally 55 years old. If you are over 55 years old, you can't be insured.
The maximum insured age of this health-related critical illness insurance product B is as high as 65, and people over 55 can still be insured.
Relatively speaking, health-related critical illness insurance type B can meet the insurance needs of more people, and this place is commendable.
② 18-28 years old has a high proportion of death compensation.
Under normal circumstances,10/00% is the proportion of death compensation for people with 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%.
Health-related critical illness insurance type B pays 50% more than other critical illness insurance for the insured who died at the age of 18-28, which is really satisfactory.
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 have the guarantee of extra compensation for critical illness insurance, and so does health-related critical illness insurance B, but the extra compensation for health-related critical illness insurance B is very inhuman!
Reflected in the health-related critical illness insurance B, the diagnosis of critical illness must be 10 years before the policy, and only 50% of the insured amount can be paid.
The original intention of paying extra compensation for serious illness is to make the family breadwinner get rich protection, and the identity of the insured may not be the family breadwinner before the policy 10 years.
For example, the B-type critical illness insurance accompanied by health was provided by Lao Li for his 12-year-old daughter. However, under the policy number 10, his daughter was only 22 years old, and she graduated from undergraduate course not long ago, so she didn't have to bear a heavy financial burden on her family, let alone be the pillar of her family.
In the later days, she has to bear the burden of the family, but the extra compensation for serious illness can't protect her, which is very irrational.
② The proportion of compensation for chronic diseases is low.
At present, the proportion of compensation for diseases in China in the critical illness insurance market is mostly 60%.
However, the health-related critical illness insurance type B can only pay 50% in the event of a middle illness, which is less than other critical illness insurance products 10%. From the perspective of the insured, this is not cost-effective.
For example, Xiao Li's health partner, Type B critical illness insurance, has a coverage of 500,000. Unfortunately, he was diagnosed with China's disease, and the insurance paid him 250,000 yuan. However, he can get a compensation of 300,000 yuan by replacing the critical illness insurance products that cover 60% of China's disease. From this point of view, if Xiao Li insured his healthy partner B, he would lose 50,000 yuan.
③ Mild symptoms have invisible grouping.
In terms of mild illness, health is accompanied by B-type critical illness insurance, and you can get three times the compensation without grouping.
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.
If yes, pituitary adenoma is diagnosed for the first time, and after paying for minor symptoms, the second onset has the same symptoms or other symptoms of the first brain tumor, and the minor symptoms are not paid.
Due to the limitation of the content of the article, I won't list the other shortcomings of Type B critical illness health insurance one by one. If a friend wants to know more, please see the following:
China People's Insurance Company's "Health Accompanied Type B" critical illness insurance actually hides a caution machine!
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
Generally speaking, the protection of this product, Health Partner B Critical Illness Insurance, is relatively general, with no outstanding points, but the existing problems will be more conspicuous.
Suppose a friend recently wants to buy this Kang Xiang B critical illness insurance. Senior sister suggested to compare more and shop around before making a judgment.
Senior sister also selected several better critical illness insurance products for everyone. Click on the link below to learn more:
Top ten popular critical illness insurance stocks with high cost performance!
Write it at the end
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