Many small partners want to start, but they are not sure whether they are classified as good critical illness insurance products.
In order to help your friends solve their doubts, Senior Sister carefully read the terms of the annual critical illness insurance product of Harmony Wealth, and found that the coverage of this insurance is quite meaningful.
What is the specific situation? Listen to senior sister's detailed explanation.
If your partner is in a hurry, you can also poke this link directly for details:
Harmony and good luck annual critical illness insurance analysis! Be sure to read it before you buy it ~ "
1. Harmony and Good Luck What is the annual critical illness insurance coverage?
First of all, let's take a look at the annual critical illness insurance protection map of Harmonious Wealth:
As can be seen from the figure, the insured age, guarantee period, payment period and waiting period of Harmony Wealth's critical illness insurance products every year, as well as the protection contents of critical illness, product plan and death protection. After reading the insurance content in the above article, everyone should have a general understanding of this insurance. Next, let's discuss the details.
1, analysis of insurance conditions
The annual critical illness insurance of Harmony Wealth is aimed at people aged 18-55. Starting from the age of insurance, the lower limit is relatively high. After all, a considerable part of critical illness insurance covers people born more than 30 days.
However, it can guarantee the whole life cycle of the insured, which is still quite good. Because with the increase of age, the probability of serious illness will increase, so when we buy insurance products such as critical illness insurance, we can choose guaranteed lifelong critical illness insurance.
In addition, Harmony Wealth's annual critical illness insurance provides 8 payment methods, with the shortest allowable payment of 3 years and the longest allowable payment of 10 year. But there is no wholesale payment, and the other is a longer-term payment method like 20 years or 30 years. For some groups who want to pay a lot of money, or have a stable income from work, and want to make the payment period longer, this needs attention.
Finally, I'll explain its waiting period to you. The waiting period is also called observation period and exemption period. During this period, the insurance company will not settle the claim unless it is an accident. Therefore, for our consumers, the shorter the waiting period, the better, so that we can enjoy the complete protection given by this policy as soon as possible.
Generally speaking, the waiting period of life-long critical illness insurance products on the market is 90 days or 180 days, while the waiting period of annual critical illness insurance of Harmony Wealth is 180 days.
If you want to know more about what a waiting partner is, you can read this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Discuss the content of guarantee.
On the whole, the annual critical illness insurance of Harmonious Wealth only supports critical illness protection and death protection.
Among them, the payment content of critical illness insurance is inconsistent before and after the payment expires (inclusive).
After the payment period expires (inclusive), the effective insurance amount can be paid. The formula of effective guarantee is basic guarantee × (1+3.5%) (n- 1), where n is the number of policy years. In essence, if we don't take risks, the insurance coverage can keep rising.
This sounds attractive, but we should make it clear that it only provides protection for serious diseases. If it is other diseases, there is no compensation.
Second, can you buy a harmonious and good luck annual critical illness insurance?
In fact, as long as you know more about the good critical illness insurance products on the market, it is not difficult to know that the annual critical illness insurance of harmony and good luck does not support the protection of mild and moderate diseases, and there is no protection against high incidence and serious diseases on the market, that is, the high incidence of malignant tumors and cardiovascular and cerebrovascular diseases.
However, these protection contents are also essential for us. To sum up, the overall cost performance of the annual critical illness insurance of Harmony Fortune is not particularly high, so it is not recommended that you give priority to it.
Finally, the senior also found a product with rich protection for critical illness insurance, including mild illness, moderate illness and serious illness, with a high proportion of compensation. You can have a look, compare and see which product is more suitable for you:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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