Before the lecture, you may wish to take a look at the comparison table between Agricultural Bank of China Health Life Insurance 202 1 and popular critical illness insurance, and you will know how to protect it:
Comparative table of healthy life and domestic popular 136 critical illness insurance
1. Agricultural Bank of China Healthy Life 202 1 Security Content Analysis
Before it's too late, let's take a look at the security content map of Agricultural Bank of China Healthy Living 202 1:
As can be seen from the above figure, Agricultural Bank of China 20021has a number of guarantees for a healthy life, including the protection for mild, moderate and severe diseases, the care fund for children with special diseases, the first group of care funds for serious diseases, premium exemption and death protection.
There are 22 kinds of mild diseases, 22 kinds of severe 130 kinds and 48 kinds of mild diseases.
But in fact, there is no need to excessively pursue the number of serious diseases, because the 28 diseases that must be taken care of in China Banking and Insurance Regulatory Commission have actually accounted for more than 95% of the claims for serious diseases.
Excluding these 28 diseases that must be taken care of, even if some other critical illness insurance is added, it can only be regarded as icing on the cake, and it will not have much impact on the probability of claims.
Mild and moderate diseases are the most important, but it is not the quantity that needs to be paid attention to, but the high incidence and serious diseases corresponding to mild and moderate diseases should be ensured.
In addition to the two advantages mentioned above, ABC 202 1 life also has many slots. Let me briefly mention:
Agricultural Bank of China Healthy Life 202 1 Disadvantages 1: China has an interval of disease protection.
Agricultural Bank of China Health can pay for the chronic diseases of consumers for 202 1 for life twice, but the first payment and the second payment need to be separated by 180 days. Specific terms are explained as follows:
At present, there is no interval between two payments for critical illness insurance in the market. In contrast, the performance of Agricultural Bank of China Health Life Insurance 202 1 is not very good.
Maybe you don't quite understand what effect this will have. For example, A is unfortunately diagnosed with traditional Chinese medicine for the first time. Suppose 150 days later, if he suffers from other traditional Chinese medicines. Those who buy Agricultural Bank Health Life Insurance 202 1 can't get the second payment for chronic diseases, but they can get the payment for non-interval serious illness insurance.
Knowing the above example, I believe everyone knows the impact of the interval of Chinese medicine protection on us, and there is no need to continue to explain.
Agricultural Bank of China Healthy Living 202 1 Disadvantage 2: Long waiting period.
Agricultural Bank of China Health Life 202 1 set a very long waiting period of 180 days, while the waiting period of most critical illness insurance is 90 days. Compared with the hatchback, Youai is twice as much as other critical illness insurance.
If the disease agreed in the contract is diagnosed within the waiting period and no accident occurs, the insurance company will not bear any liability for compensation.
So the shorter the waiting time, the better for us. After comparison, it is not difficult to find that the healthy life of ABC is somewhat worse than that of 202 1.
In fact, ABC Healthy Life 202 1 still has many defects, and the space is limited, so let's introduce it here. If you want to know more about this detailed evaluation article, please click here:
"Agricultural Bank of China Health Life Critical illness insurance 202 1 performed well? Let's talk about it after reading the article ... "
Second, the price of ABC Healthy Life 202 1 is not worth buying.
On the whole, the guarantee advantages of Agricultural Bank of China Health Life Insurance 202 1 are not obvious, and the comprehensive cost performance is not high enough. Friends may wish to look at other well-protected critical illness insurance products on the market before making a choice.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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