It can be seen that family medical insurance is full of confidence in critical illness insurance, so let's see if its strength can be worthy of ambition! Not much to say, let's start evaluating ~
If you don't have time, we can take a look at this elite evaluation together:
How about family medical insurance? Is it reliable?
1. What are the advantages and disadvantages of critical illness insurance for family medical insurance?
Let's take a look at the critical illness insurance content of family medical insurance:
Let's take a look at the advantages of home medical insurance for serious illness!
1, flexible payment period
The payment method of critical illness insurance for family medical insurance is convenient, which can be paid in batches or regularly, and the longest payment period is 30 years.
For people with insufficient budget, the critical illness insurance of home medical insurance has a humanized payment period setting. The longer the payment period, the less the annual premium, and the easier the payment pressure of the insured.
In addition, if you take the applicant's exemption with you when you apply for insurance, if the applicant unfortunately suffers from diseases within the scope of the contract during the payment period, it will trigger the applicant's exemption, and the subsequent premium will not be paid, but the policy is still valid, saving a lot of money.
How to choose the appropriate payment period requires some common sense in advance:
How to choose the payment period correctly
2. Health services are intimate
The critical illness insurance of home medical insurance will provide the insured with three kinds of health services: health information, early screening of critical illness and medical treatment, covering the insured and his three immediate family members.
Why do many people resist physical examination? The reason is that the medical examination fee is high. Maybe you have to pay nearly a month or two for a medical examination, but you can't do it without a medical examination. After all, only by going to the physical examination at the prescribed time can we find the disease at an early stage and prevent and treat it in time.
Considering the physical examination needs of consumers, for people aged 18-45 and 46- 105, the critical illness insurance of home medical insurance provides different experience services: thyroid nodules, prostate cancer, stomach diseases, early cervical lesions and other screening items, which is very intimate.
Next, we will focus on the shortcomings and shortcomings of the critical illness insurance of family medical insurance:
1, the waiting period setting is unreasonable.
Before, my senior sister emphasized to everyone that we should try to choose products with shorter waiting time. Because the waiting period is the same as the time of getting out of danger, the insurance company will not compensate for any losses (except for unexpected circumstances). Strictly speaking, it will not even continue to perform the contract but directly interrupt it.
In most cases, the waiting period of critical illness insurance we know in the market is only 90 days. If you look at it this way, the waiting period of critical illness insurance for family medical insurance needs 180 days, which is too long.
2. Lack of basic security
Among the three basic guarantees of mild illness, moderate illness and severe illness, the critical illness insurance of family medical insurance has no protection related to mild illness and moderate illness. This is a big pit!
We should know that mild and moderate diseases correspond to the mild and moderate conditions of 28 serious diseases that must be covered by critical illness insurance. Therefore, mild and moderate diseases can lower the threshold for consumers to claim compensation.
However, it can be understood that the critical illness insurance of the last medical insurance only provides critical illness protection, just like the insured who has only minor illness but no serious illness, the critical illness of the last medical insurance does not have to bear any responsibility for you, and needs to bear the expenses by himself.
Many excellent critical illness insurances in the market not only have comprehensive basic protection, but also make extra payment ratios for specific age groups. Take the product of Versailles 1 as an example. In contrast, the critical illness insurance of family medical insurance is not a little worse. ..
Second, is the family medical insurance critical illness insurance cost-effective? Is it worth buying?
It is no exaggeration to say that the leverage of critical illness insurance for family medical insurance can really be said to be the first lowest. Let's compare this product with Mu Tong 1:
A Mu Tong 1 not only provides excellent basic guarantee, but also provides consumers with multiple compensations for mild and moderate diseases, with the highest proportion of extra compensation for serious diseases being 100%. A 30-year-old man can buy 500 thousand insurance for only 6900 yuan, which is quite cheap.
Under the same conditions, the critical illness insurance premium of family medical insurance is almost the same as that of A Mu Tong 1, but there are some problems such as lack of basic guarantee and weak guarantee.
Compared with the "predecessor" A Mu Tong 1 product, there are many shortcomings in the partial protection of critical illness insurance in family medical insurance.
Generally speaking, if you deliberately buy this product for this health service guarantee, senior sister thinks it is not appropriate. Because there are still many defects in the protection of family doctor reinsurance, the price is not close to the people. For those who pursue all-round protection, these cost-effective products should still be considered:
The popularity of the top ten critical illness insurance!
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