Friends who don't have time to understand directly look at the following, and I summarized the key points:
"Barnard's critical illness insurance enjoys a healthy version of the new attack? Must prevent these tricks ... "
1. What is the guarantee for Barnard's critical illness insurance to enjoy the healthy version?
As usual, let's take a look at the protection form of Barnard's critical illness insurance exclusive health edition:
When I first saw this protection map, I was inevitably a little confused. Next, senior sister will give you a detailed analysis ~
1, comprehensive protection
Compared with the previous exclusive edition, it mainly increases the additional compensation guarantee and health management services for mild and severe diseases, and partially reduces the premium for special diseases of children.
Today, Barnard's critical illness insurance premium health edition provides 3 basic guarantees, 8 other guarantees, 1 health management service and 2 optional guarantees.
It can be seen from the safety map that its safety content is comprehensive, which is undeniable ~
2. Provide health management services.
Barnard's critical illness insurance enjoys a healthy version. Another highlight is the newly launched health management service.
Including these parts: health indicators and monitoring, health exercise management, health and disease risk assessment and other services, cardiovascular through train, online follow-up management of famous doctors and other services.
In this way, the health status of the insured can be detected at any time, and once problems are found, they can seek medical treatment in time to avoid the deterioration of the condition.
Providing this service is undoubtedly an additional guarantee for the health of the insured!
After all, it is good to be healthy. Surely everyone doesn't want to get seriously ill?
3. The setting of extra compensation is unreasonable.
Compared with the previous version, this Barnard critical illness insurance premium health edition has lighter and heavier additional compensation protection.
Many friends will be very excited after listening: Is there any extra payment guarantee? Great!
But to tell you the truth, seniors feel that the extra compensation for this product is not very humane.
First of all, the guarantee obtained by the extra compensation part needs to be obtained through long-term exercise.
Senior, here is a sports standard for extra compensation for serious illness. Interested friends can have a look:
Although senior sister understands that the original intention of this requirement is to promote everyone to exercise more and have a healthy body.
But seriously, why should consumers pay for the protection that should be covered?
So far, most excellent critical illness insurance on the market can meet the age requirements and will give consumers extra compensation!
Secondly, only cardiovascular and cerebrovascular diseases can enjoy the extra compensation for mild and severe diseases.
However, most other excellent critical illness insurances provide the same additional coverage as their corresponding minor, moderate and severe illness insurances.
Given only one kind of disease protection, the sincerity is much less. ...
And even if the exercise reaches the standard, the extra compensation is less.
The maximum amount of extra compensation that the insured with mild illness can get is 6% of the basic insurance amount, while the maximum amount of serious illness is 20% of the insurance amount, which is only regarded as extra compensation for consumers.
Excellent critical illness insurance, such as Versailles 1 and Darwin's 5th edition, can pay 80% of the insured amount if it is found to be seriously ill within 60 years of age.
Comparatively speaking, Barnard's critical illness insurance enjoys a healthy version, which is somewhat disappointing.
Want to know the difference between this Barnard critical illness insurance exclusive health edition and other excellent critical illness insurance? After reading this evaluation, you will know:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, Barnard's critical illness insurance enjoys a healthy version. Is it recommended to buy?
Although this product is an upgraded version of the previous version, on the whole, its shortcomings are obvious.
Therefore, senior sister does not recommend that everyone buy Barnard's critical illness insurance and enjoy the healthy version.
If you want to buy critical illness insurance, senior sister suggested that you can look at other excellent critical illness insurance products on the market and choose the products that suit you according to your own needs.
Senior sister sent you a list of recent popular critical illness insurance as the end, hoping to help you:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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