There are also many small partners asking, is the price-performance ratio of Guangdong-Hong Kong-Macao Greater Bay Area-Shenzhen exclusive one-year critical illness insurance really that high? Is it really worth buying?
Then senior sister will give you a good evaluation of this product here ~
Before starting the text, you can read this critical illness insurance policy. We should know what a good critical illness insurance should look like:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
1. The performance of Guangdong-Hong Kong-Macao Greater Bay Area SZSE's exclusive one-year critical illness insurance product is open!
Let's take a look at the essence of this critical illness insurance:
1. Single warranty responsibility
Compared with many protection responsibilities on a large protection map, Guangdong-Hong Kong-Macao Greater Bay Area-Shenzhen enjoys less protection responsibilities for one-year critical illness insurance, and only supports one critical illness insurance with claims 100% basic insurance protection.
However, there is an old saying that high-quality critical illness insurance also provides protection for mild/moderate diseases corresponding to high incidence and severe illness, and the proportion of mild/moderate diseases should reach 30% and 60% of the basic insurance coverage respectively. In addition, it is best to have the guarantee of malignant tumor-multiple compensation for serious illness and additional compensation for serious illness.
2. The insurance age range is wide.
However, this critical illness insurance is not a place that has not been done. Compared with the critical illness insurance with an upper age limit of 55 or 65, the exclusive one-year critical illness insurance in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen has an upper age limit of 69, which is very friendly to consumers.
In other words, if we only look at the age group, the exclusive one-year critical illness insurance in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen has the opportunity to cover most people.
However, I also want to tell you that only those who have applied for basic medical insurance in Shenzhen can become the insured or insured of this exclusive one-year critical illness insurance in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen. So in fact, the insurance conditions of this product are still relatively strict.
For more details about this critical illness insurance, you can go to this article to learn more:
"What is the performance of PICC Health Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive one-year critical illness insurance? Let's start with a paragraph! 》
2. What kind of critical illness insurance is worth buying?
1. Representative of consumer critical illness insurance products-Darwin 7
If your current economic situation is not very good, but you want to buy critical illness insurance, it is entirely possible to choose consumer critical illness insurance, but you don't have to start with the exclusive one-year critical illness insurance in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen. There are some cost-effective consumer critical illness insurance on the market for reference.
For example, Darwin No.7 critical illness insurance of Guolian Life Insurance (70-year-old version/life but no death insurance), you can look at the product details first:
This critical illness insurance covers 30% and 60% of the basic insured amount respectively, which stipulates the exemption clauses of the insured, and can also increase a number of optional responsibilities such as disease care, serious illness extension, malignant tumor or cancer in situ extension, specific cardiovascular and cerebrovascular diseases extension, ICU hospitalization insurance, and policyholder exemption.
In fact, as a consumer critical illness insurance, Darwin No.7 is quite cost-effective when it contains sufficient protection. Hundreds of dollars are allowed to start investment, but the specific premium is also affected by factors such as the age of the insured, the amount of insurance, and the choice of security responsibility.
2. Versailles plus, the representative of savings-type critical illness insurance products.
Although the premium of saving critical illness insurance may be higher than that of consumer critical illness insurance, saving critical illness insurance guarantees life and death, so the certainty of payment will be higher than that of consumer critical illness insurance.
Therefore, if everyone's budget is fine, senior sister suggests that you buy savings-based critical illness insurance, such as Versailles plus critical illness insurance of Tongfang Global Life. You can look at the protection map first:
This kind of compensation for mild/moderate diseases in critical illness insurance is very commendable. If the insured is diagnosed with a major disease agreed in the contract for the first time before the age of 60, he will get the basic coverage of 180%, that is, 80% of the extra compensation for serious illness will be set; For example, if the time for the first visit to a serious illness is 60 (inclusive) -65 (exclusive), the insured will be paid an additional 30% of the basic insured amount.
What is more striking about this product is that patients with mild and moderate diseases enjoy extra compensation, and the proportion of compensation is stipulated as the basic insurance amount 15%, provided that the insured is diagnosed with mild and moderate diseases for the first time before the age of 60.
Senior sister only recommended consumer critical illness insurance and savings critical illness insurance, but there is actually another critical illness insurance on the market, which belongs to return critical illness insurance. Returned critical illness insurance is also a combination of two all risks and critical illness insurance. Once you get out of danger during the guarantee period, you will get corresponding compensation. If you don't survive the expiration, you will pay back a sum of money.
But in fact, the insurance leverage of the returned critical illness insurance is relatively low, which may not include some necessary protection, so it is better for everyone to consider more consumer and savings critical illness insurance.
Generally speaking, senior sister thinks that PICC's healthy Guangdong-Hong Kong-Macao Greater Bay Area-Shenzhen exclusive one-year critical illness insurance is not very good. I suggest you browse other critical illness insurance products on the market and shop around before choosing the one that suits you best.
In order to save everyone's time, Senior Sister found the critical illness insurance products worth buying on the market at present, and everyone can get them for free:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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