Will the product coverage be better after the upgrade? Will it be safer?
Below, Xue Jie will give you an analysis of this product! Friends who are interested in this product continue to look down ~
It doesn't matter if time is tight. You can look at this article compiled by senior sister in advance:
"PICC companion warm version B is worth buying? After reading these points! 》
1. What are the advantages of PICC Warm Edition B?
As usual, let's take a look at the product protection map first:
After the analysis of senior sister, I accidentally found that the advantages of this product are quite obvious. First, I'll thank Yibo!
1, the longest payment period is long.
This insurance comes with a warm version B, and the longest insurance payment period is 30 years, which is quite suitable for partners with limited payment ability!
What is the reason for saying this?
In the case of the same amount of insurance, the longer the premium payment period is chosen, the less the premium will be paid every year, and the insured will not be so stressed when paying!
And to a certain extent, it can also promote the exemption clause of the insured and increase the insurance leverage.
2. Short waiting time
Why is the waiting period so important? The reason is that it has a lot to do with later statements!
The waiting period is actually the exemption period. In case of danger during the waiting period, the insurance company will not provide claims.
Therefore, the shorter the waiting period, the better for the insured.
According to the current relevant system, the shortest waiting period for critical illness insurance products on the market at present is three months!
What we can observe through the protection map is that the waiting period of the warm version B cooperated with PICC is only 90 days, which is very friendly to the insured.
There are many insurance-related clauses such as waiting period, so please remember to know clearly in advance:
"Super complete! Everything you want to know about insurance is here.
3. Provide additional compensation for serious illness.
In terms of critical illness protection, PICC Warm Edition B also provides additional compensation. If the insured unfortunately suffers from a serious illness as agreed in the contract 20 years before the policy, in addition, the insurance company will pay compensation according to the agreement, and the compensation amount is 150%. Very protective!
Don't underestimate the extra 50% coverage. Take 300,000 coverage as an example, and 150% coverage is 450,000!
The rest of the insurance money, the insured can better make up their income, or choose a better treatment plan, and the protection is better.
However, this seemingly perfect PICC, accompanied by a warm version of B, has also found many shortcomings. It would be better to know before insurance! Let's talk about this.
Second, what are the shortcomings of PICC warm version B?
1, the proportion of compensation for chronic diseases is low.
Regarding the protection of serious diseases, the warm version B of PICC is still worthy of our praise, but it is still a bit not very good in the protection of middle diseases …
The compensation ratio is only 50% of the insured amount!
The above-mentioned school sisters told everyone that the higher the proportion of compensation, the stronger the protection.
For similar products on the market, the established compensation ratio of traditional Chinese medicine protection is normally 60%!
Even better, in the case of Chinese medicine, it will pay up to 75% of the insurance amount!
2. Lack of secondary compensation for high-risk diseases.
A considerable number of critical illness insurance products include not only basic protection, but also secondary protection for high-risk diseases, such as secondary compensation for cancer and cardiovascular and cerebrovascular diseases. The insured chooses according to his actual situation.
After reading the protection map, you will understand that PICC is equipped with a warm version of section B, and it is not prepared for similar protection. If it is a friend who pursues comprehensive protection, it is not appropriate.
3, can only be guaranteed for life
People's Insurance Company of China (PICC) gives a warm version B, which only provides lifetime protection, and there is no regular protection to choose from.
At present, there are many critical illness insurance, which will provide regular protection, such as 10/20 years, 60/65/70 years.
Life-long critical illness insurance, although it gives the insured a more adequate sense of security, has no worries and can ask for more premiums.
The regular critical illness insurance, although there is a certain guarantee window in the later period, has a very favorable premium price and will be more suitable for people with limited budgets.
Third, the summary of the senior sister
Generally speaking, PICC Warm Edition B has many advantages, but there is still a gap compared with the quality products on the market.
If you need more protection and greater protection, you can shop around and buy insurance after comparison.
The following is also a cost-effective critical illness insurance recommended for everyone, and friends in need can buy it themselves:
"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!