It is said that after the new upgrade, there are more cases of moderate and minor diseases, and the security content is getting better and better. In order to find out whether the benefits of this product are true or not, Senior Sister studied the product and made an evaluation.
At the beginning of the evaluation, Senior Sister suggested that we first compare the difference between Health B critical illness insurance and other popular critical illness insurance at present: the comparison table between Health B critical illness insurance and domestic 136 popular critical illness insurance.
What are the advantages and disadvantages of 1.B type critical illness insurance?
Without further ado, just look at the picture:
After reading the picture, we can know that the age range of this health-related critical illness insurance B is 0-65 years old and the waiting period is three months. You can choose the following payment years: annual payment, payment to 50/55/60.
Next, let's take a look at the advantages and disadvantages of health-related type B critical illness insurance:
1, advantages of health-related critical illness insurance type B:
① The age range of insurance is wide.
The insurance age range of this health-related critical illness insurance B introduced by the insurance company is 0-65 years old, and the insurance age is very loose.
At present, the maximum age of critical illness insurance products on the market is generally 55 years old. Once you are over 55 years old, you can't be insured.
The maximum insured age of this health-related critical illness insurance product B is 65 years old, and people over 55 can still be insured.
Relatively speaking, health-related critical illness insurance type B can better meet most of the insurance needs, and this place is commendable.
② 18-28 years old has a high proportion of death compensation.
Generally speaking,10/00% is the proportion of death compensation for people with 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%.
Compared with other critical illness insurance, health-related critical illness insurance B 18-28 years old will pay 50% more than the insured amount, which is really excellent.
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 have the guarantee of extra payment for critical illness insurance, and the health-related critical illness insurance B is also set, but the extra payment for critical illness insurance B is unreasonable!
The critical illness insurance clause of Health B stipulates that only when the critical illness is diagnosed 10 years before the insurance policy, can you get an extra payment of 50% of the insured amount.
The essence of extra compensation for serious illness is to provide greater protection for the family support, and the insured may not become the family support 10 years before the policy.
Senior, let me give you an example. Lao Li arranged a health-related critical illness insurance for 12-year-old daughter. However, in the 10 year of the policy, his daughter was only 22 years old and just graduated from an undergraduate school not long ago. She doesn't need to bear too much family financial burden, let alone be the pillar of the family.
However, after several years, it is very unreasonable that she did not pay extra compensation for serious illness while taking on family responsibilities.
② The proportion of compensation for chronic diseases is low.
At present, the payment ratio of most critical illness insurance is 60%, while the payment ratio of health-related critical illness insurance type B is only 50%, which is less than other critical illness insurance products 10%. From the perspective of the insured, this is not cost-effective.
For example. Xiao Li insured 500,000 yuan on health-related critical illness insurance B. Later, Xiao Li unfortunately got China's disease and the insurer paid 250,000 yuan. But if it's a product with 60% compensation for TCM diseases, Li Can Jr. gets 300,000 compensation, which is 50,000 less than the next one.
Therefore, when it is necessary to buy critical illness insurance, people must choose the one with a high proportion of compensation.
③ Mild symptoms have invisible grouping.
Even if the health is accompanied by B-type critical illness insurance, you can not pay for three minor illnesses in 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 tumor, brain cyst, brain aneurysm and brain hemangioma are four different diseases, but in health-related critical illness insurance B, only one disease can be paid.
If pituitary adenoma is diagnosed for the first time, and the payment is made for mild symptoms, then pituitary adenoma, brain cyst, brain aneurysm and brain hemangioma may not be paid in the later stage.
The number of words is limited, so I won't elaborate on the remaining shortcomings of health-related critical illness insurance B. If you want to know more about Laotie, please link to help yourself: "Health-related critical illness insurance B" is newly launched, and these shortcomings are unacceptable to me.
2. Is PICC Health Plus Type B Critical Illness Insurance worth recommending?
Seeing this, everyone should have a general understanding of this health-related B-type critical illness insurance product.
Generally speaking, this health-related critical illness insurance B introduced by the insurance company has simple protection and obvious shortcomings, such as unreasonable extra compensation for serious illness and hidden conditions for minor illness.
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.
I'm not interested in B-type critical illness insurance accompanied by health, but I want to know about other high-cost critical illness insurance products. Sister Xue has also prepared several excellent critical illness insurance products for you. Poke the following link to find out: 10 popular critical illness insurance stocks suitable for purchase!
Write it at the end
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