Tenth place China Ping An-Big and Small Fuxing
Reason one: Ping An Company is committed to its overwhelming advertising, and the advertising fee is naturally paid by consumers; There are many agents below, who "contract" most people's relatives. Of course, the cost of raising people is still yours. Always a word: expensive!
Reason 2: Xiaoxing has no TCM protection, with high incidence and mild symptoms: no heart valve intervention, severe visual impairment, small third-degree burns, chronic renal failure, and incomplete protection.
Reason 3: The interval between multiple payments for cancer is too long, which makes this setting invalid.
Detailed evaluation articles of big and small lucky stars all say that "Peace Lucky Star" is not good on the network here. Is it true?/You don't say. Interested friends can click on the blue word to find out.
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Article 9 New China Life Insurance-Duobeibao
The first reason: it seems that compensation has been paid many times, and the actual situation is extremely complicated. Minor illness and serious illness are separated, and they actually enjoy certain protection. Pit!
Reason 2: It is said to be a lifetime guarantee, but it will not be paid many times after the age of 85, and the interval between multiple payments for cancer is 5 years.
Reason 3: The price is outrageous compared with similar products. If you just like the brand Xinhua, forget it. ...
Xinhua Duobao's evaluation article is here: "Is Xinhua Duobao good? Is there a pit?" 》
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The 8th Huaxia Insurance-Huaxia Fu Double Edition
Reason 1: it is very fancy to set the maximum compensation for serious illness at 106 times. Then the question is, who will get 106 serious illness?
Reason 2: It is normal to make multiple payments for the first serious illness, and the remaining multiple payments have almost eliminated high-risk diseases. It is also required to pay in proportion within five years. ...
The detailed introduction of Huaxia Insurance Company is here: How about Huaxia Insurance? Is it reliable? What pits and routines are there? In-depth analysis
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The 7th China PICC- Worry-Free Life 20 19
Reasons for not recommending 1: There is no protection for China's disease, and the product update does not know how to keep pace with the times, and the protection is not comprehensive.
Reason 2: The premium of the first minor illness insurance is too low, only 20% of the basic insurance.
The third reason: severe illness 1 time, mild illness 3 times, 20%/30%/50% respectively. I dare to match the price close to 654.38+0.5 million. I admit that I have no money.
Another popular product of PICC, PICC's critical illness insurance, interested friends can click on the blue word to find out.
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Sixth place China Taiping-Fulubaga
Reason 1: After the upgrade of Fulu Kangrui, the number of compensation for Fulu Bega's mild illness was less, only 3 times left! The proportion of compensation has changed from a fixed 20% to a stepped 20%, 40% and 60%. Obviously, even if it is upgraded, the down payment for mild illness is still only 20%. At present, for the first time in the market, critical illness insurance pays 30% for most minor illnesses.
Reason 2: there are slight symptoms during the waiting period. In the excellent critical illness insurance clauses, only diseases are exempted, but the protection for minor diseases has not stopped. However, during the waiting period, Froebega didn't pay the minor illness fee, and also terminated all minor illness responsibilities!
The third reason: Froebega's opinions on minor diseases are harsh. Taking a mild stroke as an example, Froebega requires that the claim must be at or below muscle strength level II. Compared with similar products, "worry-free", as long as it is Grade III and below, claims can be made. Obviously, the latter is more relaxed.
The detailed evaluation article of Flubega is here: "How about Flubega, is it reliable?" Interested friends can click on the blue word to find out.
Fifth place AIA-Quanyou Zhixiang 20 19
Reason 1: Quanyou Zhixiang 20 19 is prohibitively expensive. It's a 30-year-old male with an insured amount of 500,000. He has to pay back 1.9 million every year and 380,000 in 20 years.
Reason 2: If the high price is fully guaranteed, there is nothing to say, but the guarantee is not sincere enough. The grouping of multiple payments for serious diseases is unreasonable, moderate diseases are not paid, the proportion of payments for mild diseases is low, and the interval between multiple payments for cancer is long, which is not to be taunted.
The evaluation article of AIA Quanyou Zhiyou is here: "Is AIA good? Is there a pit?" 》
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Fourth Pacific insurance-Mrs. Kim's birthday
Reasons for non-recommendation 1: single payment for serious illness, and the guarantee is not assured. There is a high probability of recurrence of serious illness, and it is difficult to buy insurance after illness. Nowadays, products that have been paid for many times on the market have become mainstream.
Reason 2: The protection for mild illness of Mrs. Jin's life is still at 20%. Once you get sick, this money is simply not enough.
Reason 3: In order to pursue competitiveness, many products have increased the original mild diseases by changing the definition or directly increasing the compensation amount. However, Jin Fu still has no such guarantee in his life.