Family medical insurance not only provides serious illness protection, but also provides all-round and weekly health services, threatening to be "everyone's family doctor".
The critical illness insurance content of family medical insurance is very attractive. Let's see how sincere it is today!
Are you ready? The evaluation is coming ~
If you don't have enough time, I have prepared an elite evaluation:
How about family medical insurance? Is it reliable?
1. What are the advantages and disadvantages of critical illness insurance for family medical insurance?
What are family medical insurance and critical illness insurance? Let's see:
From this chart, we can know that critical illness+optional liability is the form of critical illness insurance of family medical insurance to provide protection for the insured, and the content of protection is really less.
Let's take a look at these advantages of home medical insurance for critical illness!
1, flexible payment period
The payment method of critical illness insurance for family medical insurance is relatively convenient, and there are two ways to choose from: wholesale payment and regular payment. The longest payment period is 30 years.
Compared with people with poor budgets, the payment cycle of critical illness insurance for family medical insurance is not bad.
If the payment period is longer, the annual premium sharing will be less, and the payment pressure of the insured can be greatly reduced.
In addition, if the exemption of the insured is added by the insured, it is assumed that the insured suffers from diseases within the agreed scope during the payment period, which also triggers the exemption of the insured.
There is no need to pay the follow-up premium, and the policy can still take effect, saving a lot of money.
In order to choose a more suitable payment period, you need to know some common sense in advance:
How to choose the payment period so as not to lose money?
2. Health services are intimate
The critical illness insurance of family medical insurance will provide the insured with three kinds of health services: health information, early screening of critical illness and critical illness medical treatment, and it will be provided not only to the insured, but also to his three immediate family members, which is very practical.
Early screening experience service deserves attention.
Many people don't agree to go to the hospital for physical examination. One of the most important reasons is the high cost of physical examination. Maybe a physical examination will cost you a month or two.
But it is wrong not to have a physical examination. After all, as long as you have regular physical examination, you can find problems in the early stage of the disease without delaying prevention and treatment.
Considering the physical examination needs of consumers, the critical illness insurance of family medical insurance provides different physical examination items for people of two different age groups: 18-45 and 46- 105.
Screening items such as thyroid nodules, prostate cancer, gastropathy and early cervical lesions have been included in the population aged 18-45. With this guarantee, people who buy this insurance product will feel very intimate and feel more secure.
Seeing this, I believe there are many partners who want to buy this product.
But calm down before choosing whether to start, because you should know the important risks of family medical insurance in time before making a choice.
Next, we will focus on the shortcomings of the family medical insurance critical illness insurance:
1, the waiting period setting is unreasonable.
My senior told me before that we should try our best to decide on products with short waiting period.
Because the insurance time is in the waiting period, the insurance company does not have to pay compensation, and some strict insurance companies even cancel the contract directly.
The waiting period of most critical illness insurance on the market is only 90 days. In contrast, the waiting period of critical illness insurance 180 days for family medical insurance is too long.
2. Lack of basic security
Among the three basic guarantees of mild illness, moderate illness and severe illness, the critical illness insurance of family medical insurance does not provide the relevant protection of mild illness and moderate illness, which can make many people cheated by him!
Let's start with science. Mild and moderate diseases correspond to the mild and moderate state of severe diseases. For mild and moderate diseases, consumers' claim threshold can be reduced a lot.
Moreover, the critical illness insurance of the family medical insurance only sets up the critical illness protection, which means that, for example, if the insured's condition fails to meet the standard of critical illness, the critical illness insurance of the family medical insurance will not be responsible and needs to pay for it by itself.
Most good critical illness insurance in the market not only provides consumers with complete basic protection, but also has a very high proportion of extra compensation at a specific age.
For example, this Versailles 1 product, if you compare the critical illness insurance of family medical insurance with it, it is a world of difference. ..
Second, is the family medical insurance critical illness insurance cost-effective? Is it worth buying?
It is no exaggeration to say that there is no product with lower leverage than home medical insurance for critical illness.
It will be more convincing to compare and analyze the products of the same company-A Mu Tong 1.
A Mu Tong 1 not only has comprehensive basic guarantee, but also provides multiple compensations for mild and moderate diseases. For serious diseases, the maximum additional compensation can reach 100%.
For a 30-year-old man, it's really not expensive to pay only 6900 yuan in 30 years.
Under the same conditions, compared with A Mu Tong 1, the basic protection of critical illness insurance of home medical insurance is insufficient and weak, but the premium is almost the same.
Compared with the "predecessor" A Mu Tong 1 product, the critical illness insurance of family medical insurance has many shortcomings.
Generally speaking, the health service guarantee of critical illness insurance of family medical insurance is commendable.
If it is because of this health service guarantee that I made a special trip to buy this product, my senior sister feels a little impulsive. Because there are still many defects in the protection of family doctor reinsurance, the price is expensive.
I believe that comprehensive protection is what everyone wants, so I suggest starting with these cost-effective products:
Top ten purchasing guides for critical illness insurance!
Write it at the end
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