But in fact, does this product really perform well? Next, the senior sister went to explore its bottom.
Before the evaluation, the following article can help you deepen your understanding of Guohua Life Insurance Company:
Is Guohua Life Insurance an excellent enterprise? Is it reliable? What pits and routines do we need to avoid? 》
1. What is the life-long critical illness insurance of Guohua National Health Welfare (202 1)?
As usual, let's take a look at the product form diagram first:
Intuitively, it can be seen that the basic protection of Guohua National Health Insurance (202 1) includes serious illness, moderate illness and mild illness, and it also has the function of multiple compensation for malignant tumors-serious illness and insurance coverage exemption; Specific serious illness and death are optional responsibilities, which seems to be comprehensive and flexible! Why can you be liked? Look at its highlights:
① Provide secondary and tertiary compensation for malignant tumor.
As the first killer of high incidence, cancer has a relatively high recurrence rate. According to clinical observation and statistics, 80% of cancer patients relapse and metastasize about three years after cleaning up.
In other words, if a malignant tumor is diagnosed, you can get a claim for treatment, which is quite good. But if there is still a sum of money to prevent cancer recurrence and metastasis with a high probability, it will definitely be better!
Therefore, providing secondary compensation protection for malignant tumors is set by many high-quality critical illness insurance associations, which not only improves the claim rate, but also makes the insured feel that the protection provided is more comprehensive and more secure!
In addition, Guohua National Health Insurance (202 1) not only provides two compensations, but also malignant tumor-severe three compensations!
In other words, this adds a guarantee to the critical illness insurance that only provides secondary compensation for malignant tumors!
For example, the 30-year-old Lao Wang has taken out a national health lifelong critical illness insurance (202 1) and bought 500,000 yuan. In this case, if his situation is the same as that described in the next paragraph, he can get some compensation:
(1) If Lao Wang is diagnosed with severe malignant tumor for the first time at the age of 50, he still meets the claim standard. In addition to the basic insurance of 500,000×100% equal to 500,000, he will also receive free critical illness insurance premium. After receiving this claim, Wang Can Sr. actively treated and reviewed it regularly! (2) If Lao Wang is diagnosed as a malignant tumor-a serious illness three years later, then he can get 500,000 yuan of "malignant tumor-a serious illness" insurance money at this time. ③ Push it back for three years in turn. If Lao Wang is diagnosed as "malignant tumor-severe" again, he can get 500,000 "malignant tumor-severe" insurance money. So this is the third time. Of course, the above is just an example. No one wants to have so many misfortunes, but this guarantee is still beneficial, just in case.
(2) Selective responsibility to provide protection for children/men/women with specific serious diseases.
Guohua National Health Welfare Life-long Critical Illness Insurance (202 1) not only has comprehensive basic protection, but also has great responsibility! And can provide death protection and specific serious illness protection.
This specific critical illness guarantee has an advantage. It can provide 12 kinds of children's specific critical illness,1/kloc-0 kinds of men's specific critical illness and 9 kinds of women's specific critical illness protection.
According to the relevant contract terms, we can know that if the insured is unfortunately diagnosed as a child/male/female with a specific serious illness for the first time, as long as it meets the claim standard within the relevant age group, it can get 100% additional basic protection!
It's a bit awkward to say this, senior. Give an example directly!
At the age of 30, Lao Wang (male) took out a life-long critical illness insurance of Guohua National Health Welfare (202 1) and bought 500,000-insured specific critical illness insurance! If Lao Wang is unfortunately diagnosed with a severe acute myocardial infarction at the age of 50, he can get 500,000 compensation from the insurance company for serious illness insurance, and he can also enjoy an additional 500,000 specific serious illness insurance, that is, 65.438+00,000, and he can also enjoy the exemption of major illness insurance premiums. Simply put, it is a double guarantee. Such a strong guarantee is very good for the insured, and there is no need to worry about the lack of money to treat the disease.
The amount of protection is not fixed, and the insured can choose according to their own needs!
From this point of view, this national health life critical illness insurance (202 1) is really eye-catching, but in order to fully understand it, we have to pay attention to the imperfections of this insurance:
& gt& gt& gt The guarantee period is relatively simple.
We know that in most cases, life-long critical illness insurance can satisfy consumers' sense of security in life.
The life-long critical illness insurance premium is a little higher than the regular critical illness insurance premium. Many consumers want to configure comprehensive critical illness insurance, but because the budget is not enough, they choose the regular version. We assume that the insurance will be at the age of 70, so the premium is not very high, and they can be well protected within the controllable range.
However, the national health welfare life-long critical illness insurance (202 1) only gives us a life-long choice. Some critical illness insurances have regular and life-long versions, which are simpler than them.
Some partners will ask, how to choose? Friends who want to know the answer, take a look at the following article:
"Critical illness insurance is to choose regular or life insurance? 》
2. What is Guohua National Health Welfare Life-long Critical Illness Insurance (202 1)? Is it worth buying?
Generally speaking, the National Health and Welfare Lifelong Critical Illness Insurance (202 1) issued by Guohua Life Insurance has a comprehensive coverage and good protection.
If you want to buy a friend who has comprehensive protection and pays more attention to multiple compensation for malignant tumors, you can carefully consider whether the National Health Insurance (202 1) meets your own needs.
If you feel that it is not suitable for you, you can also learn about other products, starting with the best.
Finally, Senior Sister has compiled a cost-effective list of critical illness insurance products for everyone, and friends in need can refer to it:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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