Before the article gets to the point, senior students will share a welfare-top ten list of critical illness insurance, so we must seize this opportunity:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
First, Xinhua Health's new critical illness insurance content in 2022 is open!
As usual, let's take a look at the product map of 2022 Xinhua Health New Critical Illness Insurance:
It can be seen from the product map of critical illness insurance newly launched by Xinhua Health in 2022 that the guarantee responsibility for this critical illness insurance product is relatively rich. Due to the limited time, let's first analyze the advantages and disadvantages of 2022 Xinhua Health New Critical Illness Insurance.
& gt& gt advantage:
1, comprehensive basic guarantee
In 2022, Xinhua Health's new critical illness insurance enjoys three basic guarantees: light, medium and heavy, and the protection needs of the general population can basically be met.
The number of diseases covered by critical illness insurance here is still relatively large, reaching 130. As long as the disease diagnosed by the insured is one of the diseases agreed in the contract and meets the conditions for claim settlement, you can pay 100% of the basic guarantee, but only 1 time;
Chinese medicine provides protection for 20 diseases, paying 50% of the basic insurance amount, and paying twice;
For mild cases, 40 kinds of diseases are guaranteed, covering 6 compensation opportunities, with 20% basic guarantee for the first diagnosis, 25% basic guarantee for the second diagnosis and 30% basic guarantee for the third to sixth diagnosis.
However, careful friends can't find out that Xinhua Health's basic guarantee for new critical illness insurance in 2022 has no extra payment!
If you want to strengthen the basic protection, senior sister recommends Versailles aggravated illness insurance to you. For us, it can also guarantee life, and the basic guarantee has the opportunity to enjoy additional compensation:
"Versailles plus critical illness insurance has returned heavily, so you must see it before in-depth evaluation! 》
2.DIY and payment DIY can be guaranteed.
2022 Xinhua Health's new critical illness insurance provides consumers with DIY choices. You can choose to borrow the optional responsibility of serious malignant tumors and specific nursing diseases according to your needs to upgrade your security.
If you are matched with a severe malignant tumor, you unfortunately got a major disease before the age of 80, which belongs to the malignant tumor referred to in the contract-severe. 50% of the basic insurance amount shall be paid in addition to the compensation for serious illness insurance;
If the insurance premium for specific nursing diseases is further matched, when the patient reaches the age of 18 and is diagnosed as a major disease, and belongs to the specific nursing diseases referred to in this contract (no matter one or more), an additional 50% of the insurance premium will be paid when compensating the critical illness insurance premium.
In addition, you can also use Jinliyou to enjoy whole life insurance (universal) and pay the renewal or renewal premium by partially receiving the value of the universal policy account. There are two different payment methods to choose from.
But don't be too happy. After the continuous research of seniors, I finally found that Xinhua Health's new critical illness insurance in 2022 has some minor flaws!
& gt& gt defect:
1, the payment period is not intimate.
At present, many high-quality critical illness insurance on the market have a payment period of up to 30 years. What are the advantages of this setting?
If the payment period is longer, it can reduce the pressure of the insured due to payment. You can also take advantage of inflation to gain beneficial benefits for yourself.
But more importantly, the longer the payment period of critical illness insurance is set, the greater the chance of triggering the premium exemption clause.
In other words, you don't have to pay the subsequent premium, but you will still provide corresponding protection. Really excellent!
But if you buy the critical illness insurance newly launched by Xinhua Health in 2022, it is not necessarily so. After all, the longest payment period of this product is only 19 years. Relatively speaking, the probability of triggering the exemption clause is less than.
2. The waiting period is too long, which is 180 days.
Speaking of the defect of Xinhua Health's new critical illness insurance in 2022, the waiting period is too long!
As we all know, the waiting period of excellent critical illness insurance on the market is basically only 90 days, which is also the most powerful level on the market today.
In 2022, Xinhua Health's new critical illness insurance set the waiting period as 180 days, which was three months longer than other products.
After all, during the waiting period, if the insured is in danger, the insurance company is not liable for compensation.
Then, if you are unlucky, you will be in danger for various reasons in this 180 day. Wouldn't that be too bad?
Since there is not much time, suppose you want to know more about the evaluation results of 2022 Xinhua Health New Critical Illness Insurance, and poke the following:
"Xinhua Health's new critical illness insurance protection? You will know after reading it! 》
Second, is the new critical illness insurance launched by Xinhua Health in 2022 worth buying?
The new critical illness insurance introduced by Xinhua Health in 2022 is mainly a life-long protection product, which provides protection for 190 diseases and can provide long-term protection for customers.
At the same time, according to the actual needs, customers can further choose their own optional responsibilities for serious and malignant tumors and specific nursing diseases, upgrade and optimize special support, and even support the configuration of Jinliyou whole life insurance (universal).
However, the basic guarantee of Xinhua Health's new critical illness insurance in 2022 is not very good, and the insurance rules are particularly unfriendly, and the cost performance is not high, so it is not worth buying.
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!