What is the specific disease, and what are the advantages and disadvantages? Let's have a look!
Anxious friends may wish to click on this simplified version of the evaluation:
Comments on the simplified version of "Always Stay Healthy" by Everbright Yongming! 》
First, Everbright will always stay healthy (PayPal). What diseases does critical illness insurance cover?
Also according to the original routine, let's take a look at the product protection diagram first:
There are 1 10 kinds of serious diseases, 20 kinds of moderate diseases and 20 kinds of mild diseases included in permanent health insurance (good times insurance).
The specific diseases are clearly written in the insurance contract, so I won't go into details here.
However, is it true that the more diseases covered by critical illness insurance, the better?
Senior sister wants to say, it's not exactly like this. The number of diseases is not the only criterion for us to judge whether a critical illness insurance is worth buying.
Here is a detailed popular science article that can answer this question. Due to the limited space, senior will not explain in detail:
What diseases does critical illness insurance cover? The more the better? 》
So, what are the advantages and disadvantages of staying healthy forever? Please continue reading on this question.
2. What are the advantages and disadvantages of Everbright's critical illness insurance?
Advantages:
1, short waiting time.
Another name for the waiting period is the insurance exemption period, during which the insurance company can no longer pay for the accident.
This is why seniors have always attached great importance to the waiting period, because later claims will be hindered.
There are many examples of insurance companies not paying compensation because of the waiting period.
The waiting period of critical illness insurance is 90 days or 180 days without special circumstances.
In the policyholder's view, the 90-day waiting period is definitely better, and you can enjoy the protection earlier.
Yongbao Health (Jiabao) is still very satisfied in this respect, and the waiting period is only 90 days.
2. The payment period is long.
When configuring critical illness insurance, senior sister suggested that it is best to choose the one with the longest payment period.
Because the payment period is longer, the annual premium will be less, which will alleviate our payment pressure to some extent!
In addition, inflation also has some resistance, and the probability of starting the premium exemption clause will increase.
Is this killing three birds with one stone?
The longest payment period of Yongbao Health (Jiabeibao) is 30 years, which is the best level of critical illness insurance at present!
3. Covering basic security
It was mentioned in the article of popular science critical illness insurance that only critical illness insurance is guaranteed, but also mild and moderate diseases, which is not a good critical illness insurance.
From the protection map, it is found that Forever Health (Paypal) includes the protection of moderate and mild diseases, which is much better than many serious illness insurances on the market.
Disadvantages:
1, only life can be saved.
The only guarantee period of Bagui Worry-Free C is life-long, but it cannot be fixed, which is not only inconvenient, but also harsh and rigid.
Regular critical illness insurance generally has two protection periods, one is 20 years and the other is 30 years. The age of protection is mostly 65 or 70 years old, and the premium price is not very high, which is quite suitable for people with a small budget.
Life-long critical illness insurance is so called because it is guaranteed for life. Because of its stability, the price is also rising.
If a variety of guarantee periods can be provided, not only the products are more practical and flexible, but also the applicability is wider, which will attract more people to take out insurance.
2. Low compensation for chronic diseases.
Permanent Health (Jiabao) has attracted many customers because of its coverage of mild and moderate diseases, and has done a good job in the coverage.
But the compensation ratio of medical insurance in China is not satisfactory …
At present, 60% of the insured amount is the lowest, and some excellent critical illness insurance will even pay extra, so the amount of compensation is the highest, and 75% of the insured amount can be collected!
Obviously, as far as the protection of diseases in China is concerned, staying healthy forever (better protection) is far from reaching the passing line.
3. The grouping of serious diseases is unreasonable.
One of the critical illness insurance that pays many times is to stay healthy forever (good times insurance), and the highest chance of paying is twice.
Paying for critical illness insurance many times means that even if you suffer from a serious illness, the protection is still effective, and you can still enjoy the payment after suffering from two or three serious illnesses until the number of claims is used up. From this point of view, compared with the single payment of critical illness insurance, the product protection of multiple payments is relatively more stable, so it is also sought after by everyone.
But there are many places that need more attention, including disease grouping.
Insurance companies come up with the method of disease grouping mainly to avoid so many risks. In short, 1 10 diseases are grouped, and each group has only one claim. Suppose that the insured is unfortunately suffering from Class A disease and is diagnosed as Class A disease again after settlement, the insurance company will not provide compensation service.
The critical illness insurance of disease grouping is not necessarily bad, as long as the grouping is reasonable.
Among them, 28 kinds of major diseases are included in the prescribed scope by the CIRC, and the high-incidence major diseases can be divided into 6 kinds, namely:
Malignant tumor, acute myocardial infarction, coronary artery bypass grafting, sequelae of stroke, transplantation of important organs, end-stage renal disease. According to statistics, these six high-risk diseases account for 80% of the compensation!
Among them, the claim rate of malignant tumor has reached 60%!
Therefore, the correct disease grouping should allow malignant tumors to group themselves, and the other five high-risk diseases can also be divided into groups.
Next, let's take a look at the disease group that stays healthy forever (Gabrielle):
What we can see is that staying healthy forever (Gabrielle) puts five other high-risk diseases except malignant tumors into the same group.
Frankly speaking, what is the difference between this and the critical illness insurance with a single payment?
This kind of multi-compensation critical illness insurance is just a tool to collect money, which is not worth configuring at all.
In addition, regarding the multiple compensation type critical illness insurance, Senior Sister has compiled a detailed pit prevention guide, and all dry goods are quickly collected:
Critical illness insurance paid many times at the beginning of the article! 》
Third, the summary of the senior sister
To sum up, the overall performance of Everlasting Health (PayPal) is still relatively general. I suggest you compare it with other excellent products on the market, starting with the best.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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