Commercial insurance such as critical illness insurance can really help in time. This article can let you know the role of commercial insurance:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
Senior sister also learned about this kind of health and critical illness insurance of MetLife from friends. Such a product can not only protect the disease, but also pay back the money. How can it be such a good thing?
Senior sister thinks this product may not be very simple, so she decides to analyze it carefully!
1. What exactly is MetLife's health and critical illness insurance?
The sale of health and casual critical illness insurance has been terminated, but this product is still of great reference value. Let's learn about the characteristics of returned critical illness insurance with our senior sister.
If you want to be familiar with health and critical illness insurance, you may wish to observe its protection form map first:
Just look at this picture, we can observe some shortcomings of MetLife's health insurance and critical illness insurance, but it still has some bright spots, so let's take a look at the bright spots first:
1, flexible payment period
There are many kinds of compensation clauses for serious illness in metropolitan health insurance. Consumers choose according to their own needs. If there is wholesale payment, it must be paid in one lump sum. For those people with relatively adequate economic budget but unstable economy, it is more suitable for them, which can be divided into 5 years, 10 years, 15 years, 20 years and 30 years.
2. You can attach compensation for multiple diseases.
The critical illness insurance of health casual critical illness insurance originally only pays 1 time, but there are also very intimate choices. If you are worried that it is not enough to cover only once, and you are afraid that there will be no guarantee in the later period, you can also pay for the serious illness several times. It divides 105 kinds of serious diseases into four groups according to their types, and you can apply for compensation twice, so that you can pay twice as much as before and feel more at ease.
However, we should still pay attention to the fact that the multiple compensation guarantee of health is paid in groups according to the serious illness. If there is such a demand for multiple compensation guarantee and you want to attach this guarantee, you must learn the method in this paper. In this way, you can judge the rationality of grouping, because the claim results vary from group to group:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
3. Malignant tumor has extra protection.
In addition, health insurance also provides an optional liability for additional compensation for malignant tumors, and the insured amount of additional compensation is 100%.
After all, the incidence of malignant tumor and cancer is very high. In 2020, there will be 4.57 million new cancers in China, and 8 people will be diagnosed with cancer within one minute on average, accounting for 23.7% of the global cancer population.
Moreover, it is obvious to all that cancer is easy to recur. The first three years after tumor surgery is the peak of cancer recurrence, and the possibility of recurrence and metastasis is 80%.
For the payment of malignant tumors, health can enjoy critical illness insurance, which is very considerate!
Even though MetLife's health critical illness insurance includes the above advantages, compared with the high-quality consumer critical illness insurance in the market, these highlights are not very prominent, while the returned health critical illness insurance has these shortcomings:
1, lack of traditional Chinese medicine protection
In the market, basically, critical illness insurance products can achieve the basic guarantee configuration of "serious illness+medium illness+light illness". On the contrary, MetLife's health insurance does not cover moderate diseases, and it is not its responsibility to protect mild diseases.
Even those on the market have their own Chinese medicine protection, and the compensation ratio exceeds 60% of the critical illness insurance. The protection of health insurance and critical illness insurance is indeed at a disadvantage.
2. Minor illness compensation is not sincere enough.
We can clearly feel that health insurance is not sincere enough to protect serious illness, which is really too low! The first payment for mild diseases is only 25%. Compared with the current critical illness insurance that can directly pay 30% of the insured amount for the first diagnosis of mild illness on the market, the health-care critical illness insurance is at a disadvantage!
Although health promises to triple the compensation according to the superficial minor symptoms and increase the proportion of compensation in turn, there are hidden mysteries. It divides 50 kinds of mild diseases into three groups, and even divides the high-incidence mild diseases into one group. What's more, there is an interval of 180 days, which means that the insured may not get the compensation.
3, the price is expensive
Generally speaking, we know that the premium of returned critical illness insurance products will be more expensive, but the premium of healthy accidental critical illness insurance is unacceptable.
If the male is 30 years old and insured for 500,000 yuan, he can be insured until he is 80 years old. The total payment is divided into 20 years. The product has minor illness protection, but there is no other optional responsibility. The annual premium is 10000 yuan!
It seems that this refundable premium for critical illness insurance is unacceptable to people with poor economic conditions. Let's take a look at the new critical illness insurance products with more comprehensive protection and higher cost performance:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Second, is the critical illness insurance worth returning?
There are still many people who think it is more appropriate to return the critical illness insurance and that it is reasonable to get the money back later.
It is necessary for senior sister to tell you that the returned critical illness insurance may not be as economical as we thought!
Most of the returned critical illness insurance products have return conditions: the insured needs to return the money within the validity period of the insurance, and only when there is no claim can the money be returned at maturity.
To put it simply, during the guarantee period, if the insured suffers misfortune, resulting in death or total disability, he may need serious illness protection, and if he does not return it later, the extra money will be wasted.
Even if you haven't been seriously ill during the period of claim settlement, it won't do much good to refund your money when it is due.
For example, if you choose to insure until the age of 85, if the insured is not out of danger before the age of 85, you can get the full payment. However, under the influence of long-term inflation, 500,000 yuan after several decades must have depreciated. To tell the truth, this is far from the current 500 thousand.
Let's put it this way: Metropolitan Health Casual Critical Illness Insurance is a kind of critical illness return insurance. In most cases, the responsibility is not very good. Not only is the premium expensive, but the money finally returned is also worthless, which is not suitable for people who pursue high cost performance.
Senior sister advised her friends not to be biased by the insurance company's refund promotion. Here, senior sister still suggests that you refer to consumer critical illness insurance, which is more cost-effective.
Write it at the end
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