I just bought Hongkang's critical illness insurance, and my friend told me that small insurance companies make money by refusing to pay compensation. Is it true?/You don't say.

The claim of Hongkang critical illness insurance is uncertain, depending on which Hongkang critical illness insurance the insured is insured, what disease he is suffering from and the amount insured. Hongkang's critical illness insurance includes major illness C in healthy life, major illness A in healthy life, and Doraemon in critical illness insurance. The coverage of each insurance type is slightly different, and the maximum coverage of each insurance type is also different. For example, the maximum insurance coverage for major diseases in a healthy life is 500,000, but the insurance coverage is less than that of Doraemon's critical illness insurance.

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Hongkang medical insurance for major diseases is an additional insurance, which cannot be purchased separately. Hongkang Duobei insurance must be added. This product covers 105 major diseases, and the diseases and main risks are exactly the same. The biggest feature of this additional insurance is that the insured amount is 3 million, which can supplement the insufficient amount of the main insurance, and the premium is very cheap. A 55-year-old man buys 500,000 main insurance, and the premium for additional medical treatment for major diseases of Hongkang is only in 37 yuan. But this product is a one-year product. In the later period, Hongkang Life Insurance may increase the premium according to the overall compensation situation, or it may stop selling.

If you want to know more information about Hongkang critical illness insurance, you can consult a professional of Minbao. The sales consultant certified by Minbaobao must have the qualification of China Banking and Insurance Regulatory Commission, bachelor degree or above, and more than 65,438+0 years insurance experience. At present, more than 90% of the consultants have obtained industry qualifications such as Million Round Table Honor (MDRT) and Financial Planner (AFP/CFP), with an average of 500+ family insurance planning consulting experience.