It is said that after the new upgrade, there are more cases of moderate and minor diseases, and the content of protection is also very comprehensive. In order to help you confirm whether this product is so excellent or not, Senior Sister immediately began to evaluate this product.
What are the advantages and disadvantages of 1.B type critical illness insurance?
Let's take it directly from the picture:
After reading the picture, it can be concluded that the insurance age of health-related serious illness B is 0-65 years old, and it is guaranteed for life. The waiting period is 90 days, and the payment period is 50/55/60 years old year by year.
Let's discuss the characteristics and problems of this health-related critical illness insurance B:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
The insurance age of this insurance product is 0-65 years old, and the insurance age is not too strict.
At present, the maximum age of critical illness insurance products on the market is 55 years old. If the insured is over 55 years old, he will lose the chance of insurance.
However, the final insurance age of health-related critical illness insurance B is 65 years old, and people over 55 years old are still allowed to take out insurance.
In contrast, health-related critical illness insurance type B can meet the insurance needs of more people, which is very good.
② 18-28 years old has a high proportion of death compensation.
As we all know, 100% is the proportion of death compensation for most critical illness insurance over 8 years old.
The health-related critical illness insurance type B divides the death compensation above 18 into two stages. One is to pay 65,438+050% of the insured amount in the first 65,438+00 years; The other is 10 years later 100%.
Health-related critical illness insurance B is 50% higher than other critical illness insurance for the insured who died at the age of 18-28, which is really good.
Speaking of death protection, some friends will feel that this protection seems unnecessary. Is this idea mature? Let's refer to the expert's statement:
Can I buy insurance if I don't die That's great.
2. Disadvantages of Type B health-related critical illness insurance:
① The extra compensation for serious illness is unreasonable.
At present, all the critical illness insurance products on the market provide additional compensation protection for critical illness, and health-related critical illness insurance B is also listed, but the additional compensation for critical illness insurance B does not meet the needs of consumers!
Reflected in the health-related critical illness insurance B, the diagnosis of critical illness must be 10 years before the insurance policy, so that the extra part can be paid 50%.
In fact, extra compensation for serious illness can provide more protection for family caregivers, but before 10, the family caregivers may not be the insured.
For example, the type B critical illness insurance accompanied by health was started by Lao Li and given to his 12-year-old daughter. However, in the policy year of 10, his daughter grew up to be a 22-year-old girl. Not long after she graduated from college, she doesn't need to bear too much financial burden for her family, let alone be the pillar of her family.
But in the future, at that time, she became the pillar of the family, but there was no additional compensation for serious illness, which was quite inappropriate.
② The proportion of compensation for chronic diseases is low.
At present, in most serious illness insurances on the market, 60% of the insured amount is the proportion of middle illness, while in health-related serious illness insurance B, the proportion of middle illness is only 50%, which is 10% different from other similar products. It is not cost-effective for the insured to buy this product.
For example, Xiao Li's health-related critical illness insurance type B has a coverage of 500,000. Unfortunately, he was diagnosed with China's disease and received 250,000 compensation. However, if this critical illness insurance product pays 60% of the insured amount, he can get 300,000 yuan. In contrast, Xiao Li lost 50,000 yuan.
Therefore, when you need to buy critical illness insurance, it will be more cost-effective to choose a product with a high proportion of compensation.
③ Mild symptoms have invisible grouping.
Even if the health is accompanied by B-type critical illness insurance, the minor illness will not be paid in three groups.
However, there is an invisible grouping, that is, there is only one payment for multiple diseases, which will affect the probability of multiple payments for mild diseases.
For example, pituitary adenoma, cerebral cyst, cerebral aneurysm and cerebral hemangioma are four different diseases, but in health-related critical illness insurance B, only one disease can be paid.
In other words, after being diagnosed with pituitary adenoma for the first time, being diagnosed with pituitary adenoma for the second time or having other brain problems for the first time, you can't get small compensation.
In view of the limited chapters, I won't list other shortcomings of B-type critical illness insurance belt. If a friend wants to know more, please see the following:
I can't stand the disadvantages of "health belt B" critical illness insurance.
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
Having said that, I think my friends have a clearer understanding of health-related critical illness insurance B.
Generally speaking, the protection provided by health-related critical illness insurance product B is relatively simple, and there is no outstanding point, but the shortcomings will be more obvious. The setting of extra compensation for serious illness is not very acceptable.
Senior sister suggested that friends who want to insure health-related B-type critical illness insurance must be cautious. It is best to shop around before deciding whether to start, so as not to make a choice that you regret.
If health comes with type B critical illness insurance, for those friends who think other critical illness insurance with high cost performance is more attractive, Senior Sister has selected several excellent critical illness insurance products for you. Interested friends can poke the following links:
Top ten popular critical illness insurance stocks 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.
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