If you plan to buy critical illness insurance at present, don't miss these high-quality products. Let's see how they are guaranteed:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
1. How does critical illness insurance protect PICC's health benefits?
As usual, you can first look at the PICC health benefits to critical illness insurance protection map:
As can be seen from the above figure, the insurance period of PICC health benefits to critical illness insurance is one year, and the insurance liability is relatively simple, including only critical illness insurance.
So what are the advantages and disadvantages of this critical illness insurance product? The following is an interpretation of it. Let's take a look.
Advantages:
1, short waiting time.
Perhaps some newcomers still don't know what the waiting period means, which is actually equivalent to the fact that the insurance company failed to compensate the parties for non-accidental injuries within the time limit stipulated in the insurance contract.
So generally speaking, the shorter the waiting period, the better for consumers, and they can benefit from the protection of critical illness insurance as soon as possible.
At present, the waiting period of critical illness insurance in the market is generally 90 days, 180 days, but PICC health insurance has the shortest waiting period, which is 90 days, which is very good.
However, to judge whether the waiting period is reasonable, we should not only look at the length of time, but also look at how many requirements are set in the terms. If you are interested, you can browse this popular science:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
Disadvantages:
1, single warranty period
People's Insurance Company of China (PICC) only supports health benefits and critical illness insurance chooses a one-year guarantee period.
Compared with other critical illness insurance products that can be insured for 10 years, 20 years, or even 60 years old, 65 years old, lifelong, etc., PICC's health benefits are too limited.
Moreover, although the insurance conditions are the same, with the shortening of the protection period, the premium will also be reduced. However, if some consumers want to always get PICC health benefits to protect critical illness insurance, they need to buy it again next year, but they are not sure whether they can successfully renew their insurance coverage next year.
Only one year's critical illness insurance can be guaranteed, which can't be compared with long-term critical illness insurance in stability.
2. There is no extra compensation for serious illness.
People's Insurance Company of China (PICC) only pays for the critical illness insurance once, and the proportion of compensation will not change much, so it is only guaranteed by 100%.
Generally speaking, excellent critical illness insurance products on the market will provide critical illness insurance protection with extra compensation for special age.
Like Versailles plus, assuming that the serious illness stipulated in the contract is diagnosed for the first time before the age of 60, the insurance company pays 180% of the basic insurance amount.
Additional compensation means that patients can choose more effective treatment methods, which can effectively avoid the risk of economic losses caused by serious illness.
Compared with Versailles plus, PICC's health and welfare critical illness insurance has weak protection for critical illness insurance.
Second, from the perspective of protecting people's health, is it worthwhile to make the critical illness insurance successful?
Generally speaking, from the overall coverage content, there is nothing worth praising. Obviously, there are obvious shortcomings in the guarantee period and critical illness protection, and the comprehensive cost performance is not high. You might as well look at other similar products with better protection before making a decision!
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:
Inventory of Top Ten Cheap and Good Critical Illness Insurance
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