There are also many small partners asking, is the price/performance ratio of permanent health (Jiabao) critical illness insurance really so high? Is it really worth buying?
Today, Senior Sister will show you!
If you want to see the detailed evaluation of this product first, you can directly poke the following:
Is Everbright Yongming's "Stay Healthy Forever" worth buying? Pay attention to this! 》
What are the specific contents of the guarantee of staying healthy forever? By understanding the data in the figure, we can know that:
First, always stay healthy (good times) in terms of insurance rules:
1. High insurance threshold
Do you know the highest insurance age for staying healthy forever? Only 60 years old, so is the highest age of other critical illness insurance on the market the same? No, many people have introduced the maximum insurance age of 65. Compared with the two, better times insurance has stricter management, shutting out people aged 60-65 and being unfriendly to older friends.
2. The waiting time is very short
90 days or 180 days belongs to the waiting period of general critical illness insurance, and the waiting period of permanent health insurance (Gabe Insurance) is not half a year, but three months, which is relatively excellent. The insured wants to wait as short as possible. After all, during the waiting period, the insurance company may not pay for the accidental injury without suffering from the disease agreed in the insurance contract.
3. The warranty period is not flexible
The purchase of permanent health insurance (Gabriel) must be life insurance, and the critical illness insurance is not just "life insurance". We can choose different guarantee years, 20 years, 30 years and so on.
This can protect life in one step, but its premium is a little more expensive than regular critical illness insurance, and there is no regular protection period to choose from, which is cruel to friends with insufficient budget and unfriendly to many people.
If you don't have too much pressure on your funds, you can consider this choice of ensuring your life. If you don't know whether you are suitable for life insurance or term insurance, for example, this article says:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
Second, always stay healthy in terms of security content (better times):
1. The interval between multiple payments for serious illness is short.
There are two groups of serious diseases (Paypal) that will make you healthy forever, and they will be paid twice, with an interval of 180 days.
You know, in order to reduce the probability of claims, many insurance companies require a one-year interval between the second payment, which means that if you find a serious illness within 1 year after your first diagnosis, it is impossible for the insurance company to bear the responsibility of claims. In contrast, the interval of 180 days set by our forever health (PayPal) can be said to be very thoughtful.
2. Specific disease protection can be attached.
Permanent Health (PayPal) provides additional specific disease protection services, including 15 leukemia, severe cardiomyopathy, cervical malignant tumor and other high-risk major diseases.
If the insured is sick, and the disease is within the scope agreed in the contract and does not exceed the validity period of the main insurance, the insurance company can pay 50% more. In other words, after you get compensation for serious illness, you can get 50% of the insurance amount of the specific illness insurance fund, which means that the insured will get 150% of the insurance amount.
In short, staying healthy forever (PayPal) is not cost-effective. Although the insurance is still relatively comprehensive, there are still some problems such as high insurance threshold, rigid insurance period and low compensation ratio, which are not worth buying. After all, there are many excellent critical illness insurance products on the market at present. You can go and see more, so that you have a chance to buy good products:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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