So today, let's share with you the "Guohua Health Lifelong Critical Illness Insurance" from Guohua Life Insurance to see if its coverage is comprehensive. You might as well join this insurance with your senior sister:
"I heard that Guohua National Health Welfare 202 1 is particularly good? That's because you haven't found this pit yet! 》
1. National Health Welfare Lifelong Critical Illness Insurance 202 1 Is it worth recommending?
Senior, before it's too late, let's go directly to the above picture:
After analyzing the product map, you may wish to walk into this insurance with your senior sister.
Advantages of Guohua National Health Welfare Life-long Critical Illness Insurance;
1. The maximum payment period is 30 years.
As soon as Senior Sister saw that the option of National Health and Welfare Life-long Critical Illness Insurance 202 1 covers 30 years, she knew that it must be the gospel of people with insufficient budget!
Many friends may not understand, why do you say that?
This is because the 30-year payment can not only play a leverage role, but also share the payment pressure for the insured to the greatest extent, so that users have more opportunities to trigger the deductible clause.
And for us, the longer the payment period, the better. This is due to the huge amount of one-time payment expenditure. In this process, we lost a lot of opportunity cost of capital.
2. Short waiting time
National health welfare life-long critical illness insurance 202 1 has a waiting period of 90 days, which is twice as short as those with a waiting period of 180 days! This is really warm!
You know, the shorter the waiting period, the faster the insured can get protection, and the more beneficial it is to the insured.
Moreover, an insurance accident occurred during the waiting period, and the insurance company did not pay for it. If the insured is really unlucky during the waiting period, the treatment fee will really have to be paid at his own expense. Nobody wants this to happen!
But if there is an accident during the waiting period, there is still a chance to pay. Want to know if there is danger during the waiting period, under what circumstances can you compensate? Look at this article. You will definitely make money after reading it:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
Disadvantages of Guohua Health Insurance's lifelong serious illness;
1. Single choice of guarantee period
National Health Insurance 202 1 Life-long critical illness insurance is only designed for life. Compared with other excellent critical illness insurance in the market, there are many kinds of coverage periods to choose from.
Although life insurance can make the insured enjoy life-long protection, it really can't hold up its high premium! The starting premium of at least 10000 per year will really put pressure on groups with insufficient funds.
However, if your insurance budget is sufficient, you can take a look at the National Health Welfare Lifelong Critical Illness Insurance 202 1. After all, it can provide guarantee for the life of the insured, so excited!
Second, the senior sister suggested
On the whole, the coverage of National Health Welfare Life Critical Illness Insurance 202 1 is very general, nothing outstanding, and nothing particularly bad.
That is, the premium will be very high, and it is not recommended for those friends with poor economic conditions to take out insurance. However, you have nothing to worry about. Sister Xue specially summarized ten critical illness insurances with high cost performance for everyone. Friends in need can refer to:
Ten cheap and excellent critical illness insurance inventory! 》
Write it at the end
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WeChat official account: Xueba said that insurance costs less, buy the right insurance!