I think Doraemon of Hongkang Life is very cost-effective, but is it really necessary to pay multiple times?

Doraemon critical illness insurance version 2.0 is a new definition of critical illness insurance underwritten by Hongkang Life Insurance Company. Serious illness and mild illness are paid for many times, and you can attach two full risks. Even if the insured is not out of danger after the expiration, the premium will be returned.

Because it is a newly defined serious illness product, some people may not be familiar with this product. Friends who don't know Doraemon 2.0 can look at Dad's evaluation article "New Rules for Critical Illness Evaluation | Doraemon 2.0".

Let's see if we buy multiple payments:

1. Who is suitable to pay multiple critical illness insurance?

1, people with a family history of genetic diseases

People with a family history of hereditary diseases have a high probability of suffering from familial hereditary diseases. If someone in the family has suffered from a serious illness, their chances of suffering from a serious illness will also increase greatly.

Therefore, people with a family history of genetic diseases should buy as soon as possible, because they may not be informed by the health of insurance companies when they are old.

2. Children

The child is still young, so the insurance price is not high. If you buy serious illness compensation for many times, the guarantee time can be longer. Giving children a guarantee as soon as possible is also the love of parents for their children.

3. People who have multiple demands for compensation for serious illness.

Now the environmental pollution is more serious, and the age of cancer is getting younger and younger. People with more serious illness claims can also buy it. It is also very necessary to plan ahead and do a good job in this area for yourself in advance.

4. People with relatively rich economy

People with relatively affluent economy can also take out multiple critical illness insurance if they want to obtain multiple critical illness insurance. Although the premium may be more expensive, but fortunately, the economic conditions are good, even if the premium is high, there is no economic pressure.

Second, dad's summary

Is it necessary to buy multiple critical illness insurance? The answer is that it is necessary to buy. Although it will be more expensive than a single payment of critical illness insurance, it is also more comprehensive and can resist the risk of multiple critical illnesses.