Will this kind of critical illness insurance be a good product? The answer has been written below!
Before we begin, senior sister has some secrets about critical illness insurance to tell you: "which is good, how to buy a good deal, and teach you to avoid these pits of insurance."
First, the advantages and disadvantages of health and youth multi-version analysis!
Before we officially begin, let's take a look at the product drawings of multiple versions of Health Care and Youth:
Seeing such a rich product map, Senior Sister is already very excited. Senior sister helps you evaluate the multi-edition of Health Care and Youth in depth!
& gt& gt advantage
1, the proportion of compensation for chronic diseases is high.
Youth Health Care Multi-Edition is equipped with 25 kinds of disease protection for China's diseases. If China's disease is diagnosed before the age of 60, the insured can pay 90% of the basic guarantee.
Compared with the similar products on the market, which only pay 60% of the basic insured amount, Health Youth Multiplex Edition has done a good job in the proportion of disease compensation in China!
Surprisingly, the multiple edition of Health Care Youth can reach 90% in the proportion of disease compensation in China, which can be clearly seen, and the difference is 30% of the basic insurance coverage.
Suppose we insure 300 thousand and finally pay 90 thousand. In the eyes of ordinary families, this is more important than money!
2. Major disease support analysis
Health insurance The multi-version critical illness insurance for young people covers 100 kinds of critical illness. If you are diagnosed with a serious illness before the age of 60 and the claim standard is enough, you can get the basic insurance amount of 160%.
However, don't blame the seniors for not reminding everyone. At present, many critical illness insurances on the market have paid an extra 80% of the critical illness, and you can also see that the compensation is 100%!
& gt& gt disadvantages
1, long waiting period
As we all know, the waiting period of good critical illness insurance on the market is only 90 days. Comprehensive analysis, this is an excellent level.
However, it takes 180 days until the end of the multi-edition of health care and youth protection, which is 90 days more than that!
During the waiting period, the insurance company will not agree to your claim.
I have to say that the waiting period for the multi-version setting of health care and child care is too long. Compared with excellent critical illness insurance, it is inferior at once!
The insurance company is not responsible for the waiting period? If you are curious, just click on this article and have a look: "Will the insurance company not lose money while waiting?" If you don't understand, you will suffer a big loss! 》
2. Lack of additional liability for high-risk cancer.
In fact, high-incidence cancer needs more protection, and health and young versions of cancer protection provide subsidy protection for cancer treatment.
However, the condition of paying medical allowance for serious malignant tumor insurance money is that 40% of the basic insurance amount can be obtained 365 days after the first visit, and the upper limit of compensation is three times.
Observant friends can find that taking a closer look at this multi-version of health care is not an extra payment after the diagnosis of cancer.
According to the statistics of the Ministry of Health, in 2020, there will be 4.57 million new cases of cancer in China, accounting for 23.7% of the world. You know, the population of other countries in the world is not as large as that of China, and the number of new cancer patients is more than that of other countries.
Obviously, the second compensation for cancer, an important guarantee for health and youth, is not available, and senior sister feels very confused!
In addition, the seniors had a great effort to find a defect in the multi-edition of Health and Youth Protection. Have you noticed?
Second, is the multi-version of Health and Youth worth buying?
There is a serious loophole in the multi-edition of health care and child care, that is, there is an invisible minor group!
From the multi-edition product drawings of Health Care for the Young, we can know that if a minor illness is diagnosed before the age of 60, 45% of the basic security payment can be obtained, which is commendable.
But I don't know, there is a bigger pit ahead waiting for us to jump!
Now let's talk about what kind of invisible groups exist in the multi-edition of health care youth. Please see the picture below:
The invisibility of mild illness means that insurance products do not clearly distinguish mild illness, but the grouping of mild illness will be based on the payment conditions in the product terms.
This makes the final result almost the same as mild grouping, which is also considered as mild invisible grouping.
There are more than two invisible groups of mild illness in the multi-edition of Health and Youth Protection, and there are as many as five invisible groups of mild illness. In fact, this is cheating!
If there are friends who are interested in health and youth protection, I suggest you take a look at this evaluation: Is Kunlun Health "health and youth protection" worth buying? Don't blame me for not telling you about these defects! 》
Third, the summary of the senior sister
In short, this product belongs to multiple claims. The content of this critical illness insurance is suitable for children and adolescents, but there are also some defects such as long waiting period and invisible grouping of minor illnesses, which makes people too dissatisfied!
In addition, compared with the same type of critical illness insurance, the premium of the multiple version of health insurance youth will be more expensive. If the budget is sufficient, many small partners can choose to start.
However, senior sister thinks it's better for us to compare several kinds of critical illness insurance, so don't worry ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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