Under the new regulations, we have evaluated more than 1,000 critical illness insurance products, and finally selected these models. The economic applicable models are all here → "Heavy! The new definition of serious illness ranking is announced! The first place turned out to be it.
1, the product stability is not strong.
Long-term critical illness insurance can guarantee renewal. If you purchase critical illness insurance products for many times, even if the critical illness claims occur during the insurance period, the insurance contract will not be invalid and the protection will still be effective. However, one-year critical illness insurance usually cannot guarantee renewal. If the renewal conditions are not good, not only the claims will affect the renewal, but also the changes in the health status of the insured will affect the renewal. Product stability is not as good as long-term critical illness insurance.
2. The premium is not necessarily cheap.
One-year critical illness insurance usually adopts natural rate, which means that the premium will increase with age. Insurance is really cheap when you are young, but it is more expensive when you get older. Take Alipay's health and welfare critical illness insurance (covering 1 year) as an example. The man began to insure at the age of 30, with the insured amount of 500,000. In the first year, you only need 440 yuan. When you are 65 years old, you need 12750 yuan per year, which is much more expensive than long-term medical insurance.
3. The content of the guarantee is simple.
The coverage of most long-term medical insurance is usually relatively healthy, generally only for serious illness and minor illness, and most of them can only be paid at one time, which can not provide us with comprehensive protection.
To purchase critical illness insurance products, it is recommended to consult Minbaobao platform first. Civil Insurance is a technology-driven third-party insurance service platform, and YEATION is the top 1% high-quality sales consultant in the whole industry. Through the professional consultation and customized service of 1, the most suitable insurance scheme is tailored for users.