Many small partners are asking, is the cost performance of Huimin Bao Bei Health Insurance Product Plan really that high? Is it really worth buying?
Caixin Life Insurance also launched a Huimin insurance 2 1 critical illness insurance before. Interested friends can have a look:
How about "Huiminbao 2 1"? Be sure to understand before buying! 》
1. What about Huimin's health insurance product plan?
Without further ado, let's take a look at the safety content map:
As can be seen from the figure, the critical illness insurance of Huimin Insurance (Jirui Edition) in the dual health insurance product plan of Huimin Insurance allows people aged 30 days to 65 years to take out insurance, in other words, adults or minors within this range have the opportunity to take out insurance.
In addition, Huimin Insurance (Jirui Edition) has set up two protection periods of 70 years or life, which is more in line with the actual situation and allows the insured to choose flexibly according to their actual needs.
At the same time, there are six options for the payment period of Huimin Insurance (Jirui Edition), including 3 years, 5 years, 10 years, 15 years, 20 years and 30 years. If people's budget is relatively large, they can choose a shorter payment cycle, so that they can pay the premium as quickly as possible.
And the waiting period of Huimin Insurance (Jirui Edition) critical illness insurance is 90 days. Compared with similar products with a waiting period of 180 days, this product guarantees a shorter waiting period and is more friendly to the insured.
Huimin Insurance (Jirui Edition) critical illness insurance is also relatively simple in terms of protection content. One * * * has only two responsibilities, specifically, critical illness insurance, and also provides death or total disability insurance. Secondly, the critical illness insurance covers 120 kinds of diseases, and only pays 1 time. Eligible, based on the basic insurance amount and cash value.
The coverage of Huimin Insurance (Jirui Edition) critical illness insurance is relatively simple. If you want to choose comprehensive critical illness insurance, you may wish to take a look at this list:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
It should be noted that the guaranteed interest rate of Caixin Life Jixingbao whole life insurance (Universal) included in Huimin Health Insurance Product Plan is only 2.5%. The so-called guaranteed interest rate is a certain income, but compared with similar products with a guaranteed interest rate of 3% year-on-year, its guaranteed interest rate is not excellent, and the income exceeding the guaranteed interest rate is uncertain.
Let's talk about Caixin Life's additional caring medical insurance, million medical insurance and Caixin Auspicious Life Insurance Co., Ltd.' s additional small medical insurance. The former can make our serious medical expenses disappear, while the latter can make our minor medical expenses disappear.
2. Is Huimin Bao Bei health insurance product worth buying?
On the whole, Huimin Bao Bei is not worth buying because of its low cost performance and insufficient guarantee.
To learn more about this product, you can continue reading this article:
Is Caixin Life Huimin Baobei's Health Insurance Product Plan Worth Buying? Pay attention to these points 》
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