Today, Senior Sister will take a look at the Hong Zhong Health Rising Star Sublimation Insurance Product Scheme with everyone to see if it is really that good. Click on the link below to learn the real face of Hong Zhong Health Rising Star Sublimation Insurance Product Plan:
Hong Zhong Health Rising Star Sublimation Insurance Product Plan in-depth evaluation, must see before buying! 》
1. How about the insurance product scheme of Hong Zhong Health Nova Sublimation Edition? OK or not?
Senior sister first presents the product form diagram of Hong Zhong Health Rising Star Sublimation Insurance Product Plan:
Hong Zhong Health Nova Shenghua Insurance Product Plan
I believe that after reading the above picture, you have clearly understood the insurance conditions (i.e. insurance age, guarantee period, payment period, waiting period) and guarantee content of this product. Without further ado, Senior Sister will come to discuss with you directly!
1, repeated compensation for serious illness
The insurance product plan of Hong Zhong Health Nova Sublimation Edition is set to cover 125 kinds of serious diseases, which can be divided into 6 groups, and cross-group can get up to 3 payments, which can be said to be multiple payments of serious illness insurance.
In recent years, more and more patients have been diagnosed with serious illness, and if they are unfortunately diagnosed with a serious illness once, their physical fitness will inevitably decline, leading to a higher possibility of suffering from serious illness again than ordinary people.
Therefore, it is very useful to set up multiple compensation for serious illness in this product.
In addition, the critical illness grouping of Hong Zhong Health Rising Star Sublimation Insurance Product Plan is more in line with industry standards.
After reading the terms, we can know that this product disperses malignant tumors-serious diseases, major organ transplantation, severe renal failure, severe stroke sequelae, severe acute myocardial infarction, coronary artery bypass grafting and other serious diseases, which can greatly improve the claim rate.
If you don't know what the grouping of overpayment of critical illness insurance means, you can poke the following:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
2. The safety content is rich.
The basic guarantee of Hong Zhong Health Rising Star Sublimation Insurance Product Plan is relatively perfect, including the protection of serious illness and minor illness.
On the other hand, this product also provides many other guarantees, such as leukemia care insurance, death insurance, dying insurance, specific tumor resection insurance and so on.
It is worth noting that Chinese medicine insurance, Chinese medicine exemption and specific tumor resection insurance are listed as optional types of insurance. I suggest you decide whether to add it according to the actual economic situation and insurance demand.
Although the competition in the critical illness insurance market is becoming more and more fierce, such rich protection content is still rare.
On the basis of these guarantees, the insured's ability to resist risks can be greatly improved.
3. Lack of policyholder exemption
In fact, there are two kinds of premium exemption: the applicant's exemption and the insured's exemption, which means that the insured/insured has an insurance accident agreed in the contract during the payment period, and the insurance contract is still valid after being diagnosed as light, moderate or dead, totally disabled, etc.
The insurance product plan of Hong Zhong Health Nova Sublimation Edition only contains the exemption of the insured, and does not set the exemption of the insured.
Under normal circumstances, the insured of children's critical illness insurance is their parents. If parents have an accident unfortunately, it may be difficult to pay again, so the contract will be invalid and the child will lose the disease protection.
In this way, Hong Zhong Health Rising Star Sublimation Insurance Product Plan is not very beneficial to the insured.
Second, is the Hong Zhong Health Rising Star Sublimation Insurance Product Plan worth starting?
To sum up, the advantage of Hong Zhong Health Rising Star Sublimation Insurance Product Plan is that it can apply for compensation for multiple diseases and the coverage is diverse. The disadvantage is that the insured has no deductible, the overall cost performance is low, the protection is lacking, and it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has compiled a lot of critical illness insurance for children with excellent value for money and thick protection. You can choose the best one here:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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