Is this forever healthy (Jiabao) critical illness insurance worth buying? You will know after reading the following comments ~
Before the official start, let's reveal the comparison results between permanent health (Gaberbao) and many domestic critical illness insurance:
Cross-reference table of permanent health (good times insurance) and national 136 critical illness insurance
First, the advantages and disadvantages of staying healthy forever (good times)
I won't say anything else. Let's take a look at the security content map first:
As can be seen from the figure, permanent health (Gabor) provides protection for serious illness, moderate illness and mild illness, and also takes into account the extra premium for malignant tumor-serious illness and death insurance, and users can also enjoy optional specific serious illness insurance premium. Therefore, the protection of eternal health (PayPal) is still better. What are its advantages and disadvantages?
Advantages:
1. Flexible payment period
There are nine options for the payment period of Forever Health (Good Times Insurance), including wholesale payment, 3/5/10/15/19/20/29/30 years. You can decide how to lose weight according to your own budget.
2. 15 Additional compensation for specific serious illness
You can choose 15 kinds of specific serious diseases to keep your health forever (gabeibao), and 50% of the basic insurance amount can get extra compensation.
For example, leukemia, severe craniocerebral injury, severe cardiomyopathy and other 15 kinds of serious diseases that children are prone to, in addition to the above, there are also serious diseases that adults are prone to, such as liver malignant tumor, lung malignant tumor, breast malignant tumor and prostate malignant tumor, which are beneficial to both adults and children and can be guaranteed.
It is everyone's hope that children's specific serious illness will be fully protected. You can look at this new version of Mommy Baby:
The new Mommy Baby Newborn Edition still has these shortcomings. ...
Disadvantages:
1. The interval between malignant tumor and severe secondary compensation is very long.
For the problem of malignant tumor-severe secondary compensation, Keep healthy forever (PayPal) provides corresponding measures. If the malignant tumor has new onset, recurrence, metastasis and persistent problems, it can pay 100% of the basic insured amount.
However, the interval between malignant tumor and serious secondary payment is 5 years, which is very long compared with the critical illness insurance with a short interval (only 3 years) between malignant tumor and serious secondary payment in the market.
The proportion of new cancer cases in China is about 310.2 million every year, and the recurrence and metastasis rate can reach about 73% within five years. It can be seen that the time of cancer recurrence and metastasis is relatively fast in the first five years after surgery. If there are no signs of recurrence and metastasis within five years, it can basically be said that the clinical cure has been achieved. However, five years is the interval between cancer and health, which is obviously unreasonable, not at all.
2. The protection of TCM is not strong.
There are only 20 kinds of China diseases that can be covered by Yong Bao Health (Good Times Insurance), with a compensation ratio of 50%, and there are 1 compensation opportunities. Compared with the critical illness insurance with 60% payment ratio and twice payment in the market, the protection of Yongbao Health (Bijia Insurance) is obviously poor.
3. Mild symptoms exist invisible grouping.
Forever Health Protection (PayPal) can protect 20 kinds of mild diseases, but there are invisible groups in the terms of mild diseases, which is equivalent to greatly reducing the compensation probability of mild diseases.
For example, mild acute myocardial infarction, minimally invasive coronary intervention (non-thoracotomy) and laser myocardial revascularization can only pay for one operation.
Only one of the two options of "Deafness in One Ear-Three Years Old Claim" and "Severe Hearing Loss-Three Weeks Old Claim" can be paid.
It can be seen that Yongbao Health (Paypal) has done a good job in the protection of serious illness, and there is room for choice in the payment period. You can also choose to pay extra for a specific serious illness. However, the interval between the second payment of malignant tumors is long, there is no advantage, and the protection of intermediate diseases is not enough. Moreover, in terms of mild diseases, there are still invisible groups, which are relatively not the best products. I suggest you put the serious illness on the market.
2. Compared with other critical illness insurance, which one is more worth buying?
Only by comparing and pulling out the gap can we know more clearly whether a product is good or not and whether it is worth buying.
Therefore, the senior student here chose a health insurance (HP Reusable Edition) which is also a double payment for serious illness, and made a comparison with Forever Health (Jiabao):
1. Comparison of major disease protection
Both Permanent Health (Best Times Insurance) and Health Insurance (HP Multi-Edition) cover 65,438+000% of the basic coverage, paid premiums and cash value of the first serious illness. Choose the largest of the three: however, in the case of a second serious illness, permanent health (optimal double insurance) will compensate the insured for 65,438+000% of the basic insurance amount, and health insurance (optimal double insurance).
In addition, in the protection system of health insurance (HP Multiplex), the insured will be given 0% of the basic coverage for serious illness cases diagnosed for the first time before the 15 policy year. In contrast, health insurance (HP Multiplex) provides more comprehensive protection for critical illness.
2. Comparison of moderate and mild disease protection
Middle-aged patients who are permanently healthy (Jiabeibao) pay 50% of the basic insurance amount, paying 1 time; However, health insurance (HP Reusable Edition) provides 60% basic guarantee and two opportunities for paying for chronic diseases, so in terms of the amount of compensation, health insurance (HP Reusable Edition) is 10% more than permanent health insurance (the best reuse insurance), and the number of payments is also one more time.
So in terms of minor illness insurance, these two kinds of critical illness insurance are 30% of the basic insurance coverage, but this health insurance (HP multi-edition) has more claims and more types of minor illnesses.
3. Comparison of other guarantees
This Forever Health (PayPal) has malignant tumor-severe additional insurance premium, with an interval of 5 years, paying 100% of the basic insurance premium; However, this health insurance (HP Reusable Edition) includes malignant tumor-severe medical allowance insurance, with a maximum payment of 3 times at an interval of 365 days, and each payment is 40% of the basic insured amount, and the cumulative maximum payment is 120% of the basic insured amount.
By comparison, it is found that the cumulative compensation amount of health insurance (HP multi-edition) is not small, and the interval is short.
As a critical illness insurance, Yongjian (Good Times Insurance) can cover 15 specific critical illnesses, and can pay an additional 50% of the basic coverage; Before the customer is 30 years old, health insurance (HP Reusable Edition) can diagnose 25 specific serious diseases, and the cumulative additional coverage ratio is 100%.
In contrast, health insurance (HP multi-edition) protects many specific serious diseases, and the proportion of compensation is obviously high.
To sum up, the coverage of the two kinds of critical illness insurance is similar, but we find that the proportion of health insurance (HP multi-version) is higher, the number of payments is also greatly increased, and the premium is cheaper than before. Therefore, senior sister thinks that health insurance (HP multi-version) is worth buying, because the cost performance is really high.
But health insurance (HP multi-edition) still hides these problems. After learning these, you can choose:
How about Kunlun "multi-version health insurance"? Today I will tell you the truth! 》
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!