There are also many small partners asking, is the cost performance of Guohua National Health Insurance (202 1) really that high? Is it really worth buying?
The following sister will give you an in-depth evaluation! This article can help you get familiar with the new rules of serious illness in advance. If you don't know, let's take a look:
Suggestions on purchasing critical illness insurance under the new regulations of critical illness insurance! 》
1. What are the advantages of life-long critical illness insurance for Guohua National Health Welfare?
If you want to understand the advantages of Guohua Life Insurance, you must first understand its coverage:
As can be seen from the figure, basic guarantees such as mild illness, moderate illness and serious illness are all included in the life-long critical illness insurance of Guohua Life Insurance. In addition to these, there are many other guarantees, such as malignant tumor-severe multiple compensation, insurance exemption, death protection, and specific serious illness protection, which all look very good.
Now let's take a look at the advantages of Guohua National Health and Welfare lifelong critical illness insurance:
1, malignant tumor-severe up to three times.
We generally say that cancer is a malignant tumor. According to the global cancer burden data in 2020, there are 4.57 million new cancer cases in China, ranking first in the world!
Malignant tumor not only has a high incidence rate, but also has a surprisingly high recurrence rate. After 1 year, the recurrence rate is 60%, which is the recurrence rate of patients with newly diagnosed solid tumors in China. More than 80% of patients died of tumor recurrence and metastasis.
Therefore, the life-long critical illness insurance of Guohua National Health Welfare can pay up to three times for malignant tumors, greatly reducing the burden of treatment expenses for cancer patients.
If you still think it's not important to pay for cancer, senior sister thinks you can read this article:
Is it necessary to add the second compensation for cancer? Be careful of spending money for nothing! 》
2. Provide special disease protection for different groups of people.
Guohua National Health Welfare life-long critical illness insurance covers 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. Senior sister sorted out these special diseases:
According to the same agreement, if the insured is unfortunately diagnosed with a male/female/child specific serious illness for the first time within the specified age range, he can get 100% extra protection!
Now everyone will think that Guohua National Health and Welfare life-long critical illness insurance is not bad, but is this really the case? In fact, this product has many defects. Come and have a look!
2. Do you know the defects of Guohua National Health lifelong critical illness insurance?
1, single payment cycle
There are two options for the payment period of life-long critical illness insurance of Guohua Health Insurance, which are 20 years or 30 years respectively, which is obviously less than those critical illness insurance that can be paid in 5/ 10/ 15/20/30 years.
I have my own budget. Everyone's budget is different. People with sufficient budget will be more favorable than 20/30 years if they choose to pay in bulk. This is the same as buying a house, and a one-time payment will be more favorable than a mortgage.
It can be seen that the life-long critical illness insurance of Guohua National Health Welfare is a bit unsatisfactory in the payment period.
2, the extra compensation for serious illness is too stingy
Guohua National Health Insurance can get extra compensation for serious illness, but according to the agreement, only the first visit before the tenth policy date can get 130% compensation.
On the whole, Guohua National Health Insurance (202 1) is not worth buying because of its low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
This Versailles plus critical illness insurance has performed quite well in all aspects. You can have a look:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
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