Senior first put the product protection chart of He Zhongbai's life-long critical illness insurance for everyone to see what it looks like:
As can be seen from the above picture, the insured age of this critical illness insurance is within the range of 28 days after birth to 65 years old. The waiting period of insurance is only 90 days, which is relatively short compared with other critical illness insurance.
The insurance liabilities of He Zhongbei's happiness and critical illness insurance include mild illness protection, moderate illness protection and severe illness protection. If a serious illness is diagnosed for the first time and meets the contract conditions, you can get an additional compensation of 100% of the critical illness special care insurance amount. In addition, He Zhongbeijia's critical illness insurance also carries the insured's exemption and death/disability protection.
From this perspective, He Zhongbeijia's happiness and critical illness insurance is still worth starting with, with sufficient protection and loose insurance conditions. If you have read this article sent by senior sister before, you will know that this product is not as perfect and invincible as described: an excellent critical illness insurance should have these conditions!
Let's analyze the advantages and disadvantages of He Zhongbei's critical illness insurance:
First, the advantages of He Zhongbei's happiness and critical illness insurance
1, carcinoma in situ covered.
It is commendable that He Zhongbai's happiness and critical illness insurance has included "cancer in situ" in the scope of minor illness protection.
Diseases such as cancer in situ often occupy a place in the "top ten risk factors" of insurance company claims reports. Simply put, the prevalence of cancer in situ is very high.
The new critical illness insurance regulations have excluded cancer in situ from the coverage of malignant tumor-mild, so many insurance companies no longer cover cancer in situ in order to comply with the new critical illness insurance regulations. In contrast, it can be seen that He Zhongbai's happiness and critical illness insurance is still excellent in minor illness protection.
2. The disease grouping is reasonable.
He Zhongbei added Happiness and Critical Illness Insurance to cover 100 kinds of major diseases, and divided these 100 kinds of diseases into 6 groups, and each group paid only once.
Many small partners are worried that they will lose money if they buy more critical illness insurance. Actually, it depends on how the products are grouped. We have been cheated for so many years! The critical illness insurance paid for many times turned out to be like this!
Six diseases, such as malignant tumor, acute myocardial infarction, end-stage renal disease, coronary artery bypass grafting, stroke sequelae and major organ transplantation, have accounted for about 80% of serious diseases. Therefore, a better critical illness insurance will spread these six diseases as far as possible, so that the insured will be more secure.
As can be seen from the figure below, He Zhongbei plus Happiness and Critical Illness Insurance divides the six diseases into four groups on average, which is really excellent ~
Seeing this, many friends think that He Zhongbai's happiness and critical illness insurance is still worth buying. Don't worry, continue to look at the following shortcomings.
Second, He Zhongbei's lack of happiness and critical illness insurance
1, the waiting period clause is strict.
The waiting period is also called the observation period of the insurance company. If danger occurs during this period due to reasons other than accidental injury, the insurance company is not responsible for paying insurance benefits, so the waiting period is better and more beneficial to customers.
However, although the waiting period of He Zhongbeijia's critical illness insurance is only 90 days, in fact, the waiting period has relevant regulations, which is quite strict in critical illness insurance. As shown in the figure below, once the insured is diagnosed with mild or moderate illness during the waiting period, the insurance company will not handle it flexibly and will choose to refund the premium and terminate the contract.
However, in some humanized critical illness insurance products, if mild and moderate diseases are diagnosed within the waiting period, the corresponding mild and moderate disease protection will be terminated, but other protection will remain unchanged.
2. There is no second payment guarantee for high recurrence diseases.
Even if, regardless of single compensation or multiple compensation insurance, there is only one chance to pay for the same disease. As long as you observe more, you will find that many critical illness insurance products have secondary compensation for diseases with high recurrence rate such as "severe malignant tumor" and "cardiovascular and cerebrovascular diseases".
However, we don't see these (guarantees) in the protection content of He Zhongbai's happiness and critical illness insurance. If the disease recurs, the insured can only treat it at his own expense and cannot apply for compensation.
If we pay more attention to the protection of malignant tumors, senior sister suggests looking at other critical illness insurance products: the new definition of critical illness insurance pk, which is actually the most worth buying!
Summary:
Although compared with similar products, He Zhong Bei Jia's happiness and critical illness insurance has a wider age, but its price is much more expensive than other products. Even for 45-year-old men, the phenomenon of upside-down premium has begun to appear. Moreover, the waiting period of He Zhongbeijia's critical illness insurance is relatively strict. If you are not in good health, then you should seriously consider this product.
In terms of the content of protection, He Zhongbeijia's happiness and critical illness insurance is still remarkable. Mild diseases are guaranteed to cover cancer in situ, and serious diseases are guaranteed to be grouped reasonably. If it is insufficient, the biggest deficiency is that there is no secondary compensatory protection for high recurrence diseases. Generally speaking, He Zhongbei's happiness and critical illness insurance is more suitable for healthy young people.
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