Many people want to know whether the critical illness insurance value of Xinhua Life Insurance is worth buying.
So today, my senior sister will give you an analysis. For the "Health and Worry-Free Privileged Critical Illness Insurance" under Xinhua Life Insurance, what is the guarantee of this product? Come and have a look with the seniors!
Some friends are busy at work and don't have much time to read the full text. The following is a link, and they can collect and read it directly when they have time:
What is the price-performance ratio of Xinhua's "Healthy and Worry-Free Edition"? Let me tell you the answer! 》
First, how about the health and worry-free exclusive version of critical illness insurance? Is it suitable for insurance?
Senior, before it's too late, let's go directly to the above picture:
After reading the product drawing, the senior sister took her little friend to analyze it first.
1. The payment term is not flexible.
There are four kinds of exclusive health critical illness insurance, and the payment period is different. Although people have a large budget, if they don't have enough, they still want to apply for the exclusive version of health insurance. If that's the case, it's really hard to do.
Can you imagine what this is all about? The reason is that the health and worry-free version of critical illness insurance is not allowed to pay for 30 years. Why is it better to hand it in 30 years? Sister Xue will analyze it for everyone right away ~
Because the 30-year payment method can not only maximize leverage, but also reduce the payment pressure of the insured and increase the probability of triggering the premium exemption clause.
However, the longer the payment period, the more benefits it will bring us. This is because the one-time payment misappropriated a lot of funds, during which we lost a lot of opportunity costs of funds.
2. Long waiting period
The waiting period of the exclusive version of critical illness insurance can exceed 180 days, which is inevitably not as good as those on the market with a waiting period of only 90 days.
There is another important point. If the insured is unfortunately out of danger during the waiting period, the insurance company will not pay for it, and the insured can only pay for the treatment himself, so stealing chickens and not eating rice!
But there are exceptions, depending on how the insurance contract is stipulated. If you can find the corresponding terms of the claim during the waiting period, you still have a chance to get compensation.
If a small partner is interested in the waiting period, you can read this article written by Senior Sister:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
3. The compensation for mild and moderate diseases is small.
The proportion of minor illness compensation for the exclusive version of health care is 20% for the first time, 25% for the second time, 30% for the third to sixth time, and 50% for the moderate illness.
Little friends should know that the proportion of compensation for mild and moderate diseases set by many critical illness insurance on the market is 30% and 60%. For mild diseases, many insurance companies directly pay 30% of the insured amount, but the insured amount is gradually increased. This kind of situation is relatively rare in the newly defined critical illness insurance, so it is better to pay more at once!
However, at this time, most of the critical illness insurance in the market generally pays 60% for the middle illness, but for the middle illness, the exclusive version of the critical illness insurance can only compensate the insured for 50%, which is a bit unkind in terms of protection!
Second, the senior sister suggested
Generally speaking, the content of critical illness insurance in the health care exclusive edition is so common. Not only does it have no advantages, but it has many disadvantages, not only the long waiting period, but also the compensation for mild and moderate diseases. Not a high-quality critical illness insurance product.
Therefore, senior sister feels that it is not urgent to buy critical illness insurance. You must compare several kinds of critical illness insurance, and then analyze which one is more suitable for you, as long as you look carefully! There are still many excellent serious diseases on the market!
Senior sister has compiled an excellent list of critical illness insurance for everyone in advance and recommended it to your friends:
"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;
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!