So is there a pit in this product? Is it worth buying? Next, the senior sister will evaluate this product for everyone and see what its advantages and disadvantages are!
This article can help you understand what criteria are used to judge the quality of critical illness insurance. If you don't know, let's take a look:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
First, the advantages and disadvantages analysis of Hong Zhong Health Rubik's Cube critical illness insurance.
As usual, let's take a look at the product protection map of Hong Zhong Health Rubik's Cube as critical illness insurance:
As can be seen from the figure, the critical illness insurance of Hong Zhong Health Rubik's Cube is a combined insurance. Its main insurance covers major diseases and deaths, and can supplement the protection of mild and moderate diseases and specific diseases. Detailed product quality, continue to analyze below!
Advantages of Hong Zhong Health Rubik's Cube:
1, flexible payment period
Wholesale payment and annual payment are two payment cycles, which are provided by Hong Zhong Health Rubik's Cube Critical Illness Insurance. The annual payment can be divided into 5 years, 10 years, 15 years, 20 years and 30 years, which can meet the requirements of customers.
I want to tell you that the payment period should be as long as possible. If the premium is shared equally every year, there will be no pressure. For example, the total premium 1.8 million, which is paid in 30 years, is only 6000 yuan per year, and if paid in 20 years, it is 9000 yuan per year. I believe that through comparison, we will know that the longer the payment period, the better.
2. Optional guarantee is rich in content.
If you want to find a variety of additional insurance, you can learn about Hong Zhong Health Rubik's Cube, which is a combination insurance.
If you want to strengthen the major illness protection, it is recommended to add another major illness protection. Before you are 65 years old, you are diagnosed with a serious illness that meets the requirements, and you can get all insurance coverage. For example, you can buy yourself an extra critical illness insurance worth 500 thousand. Once diagnosed, you can enjoy an additional 500,000 yuan in claims. Protection is super powerful!
Unfortunately, the insurance period of this additional critical illness insurance is only 1 year, and the disease will not come as you expected, but who knows if it can be used once?
It is better to buy a similar product with extra compensation for serious illness.
In addition to these, what other areas are worthy of criticism in Hong Zhong Health Rubik's Cube critical illness insurance? Might as well continue to look down with the seniors, there must be different gains.
Disadvantages of Hong Zhong Health Rubik's Cube:
1, with a narrow age range
You can apply for Hong Zhong Health Rubik's Cube critical illness insurance from 30 days to 55 years old. If you are over 55 years old, you will not be able to apply for Hong Zhong Health Rubik's Cube critical illness insurance!
I believe everyone has heard that at present, the market for serious illness can cover people aged 65 at the highest. Compared with other critical illness insurance products, Hong Zhong Health Rubik's Cube critical illness insurance has no advantage in the age of insurance, and it is very unfriendly to the elderly over 55 but under 65.
2. Insufficient protection for specific diseases.
The specific diseases mentioned by the senior here refer to malignant tumors. Excellent critical illness insurance in the market will bring 2 times or even 3 times compensation protection for malignant tumors, and the maximum compensation amount is 0.5 times of the insured amount of 65438+.
Next, let's learn more about the critical illness insurance of Hong Zhong Health Rubik's Cube. It is obviously not enough to provide only 20% insurance coverage for patients with advanced severe malignant tumors.
Moreover, the cost of treating malignant tumors is not low, basically about 300 thousand, or even more than 300 thousand, plus the cost of rehabilitation and nutrition. Knowing this, we can only say that the care of Hong Zhong Health Rubik's Cube Critical Illness Insurance for malignant tumor patients needs to be improved!
These shortcomings mentioned above are only part of the critical illness insurance of Hong Zhong Health Rubik's Cube. This is one of the biggest shortcomings. I suggest you understand:
"Hong Zhong Health Rubik's Cube critical illness insurance performed well? Read this article first! 》
The above is the assessment result of critical illness insurance of Hong Zhong Health Rubik's Cube. Friends don't know what to think after reading it. If anyone wants to buy it, you must see it!
Second, want to buy Hong Zhong Health Rubik's Cube critical illness insurance? This suggestion must be read!
To sum up, Hong Zhong Health Rubik's Cube critical illness insurance is not worth buying because of its low cost performance and comprehensive protection.
This product has a narrow insurance age range and is not suitable for people over 55. The key is that there is almost no guarantee for high-risk diseases such as malignant tumors.
If you are a friend who pursues more comprehensive and practical critical illness insurance, Senior Sister suggests comparing other products.
Finally, the senior sister sorted out a lot of critical illness insurance that was worth the money and guaranteed thick. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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