Today, senior sister will popularize some things about enjoying health and see what is worthy of our attention.
For those who don't pay much attention to critical illness insurance, you should first look at this collection of related knowledge points:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid the pit by hand."
First reveal the secret: what is it like to enjoy health?
Or as before, browse the essence of enjoying health first:
It is necessary to know clearly that health insurance is for people born from 20 days to 60 years old, and it is necessary to know that multi-compensation critical illness insurance can be underwritten for life.
The protection of serious illness, moderate illness and mild illness is included in the exclusive health project. This is exempted by the insured, and there is also the protection of death and total disability.
In addition, enjoying health can also provide insurance such as multiple compensation for acute myocardial infarction and multiple compensation for sequelae of stroke, and can also pay up to five times for special care for serious diseases, with quite rich coverage.
However, whether this exclusive health purchase is cost-effective depends on the following evaluation and draws the following conclusions.
Friends who are pressed for time, I have also prepared the main points of the evaluation for you:
How about Fuld's life and enjoying health? I won't buy it for this alone? 》
Second, answer: Is it worth buying in order to enjoy health?
Do you know the advantages and disadvantages of enjoying health critical illness insurance?
& gt& gt Enjoy the benefits of health.
1, short waiting time.
The shorter the waiting period, the sooner the insured can enjoy the product guarantee.
The waiting period for enjoying health is only 90 days, which is the best product on the market and very friendly to the insured.
2, serious illness grouping is reasonable.
Enjoy health and put malignant tumors in a separate group. This grouping method is obviously more scientific and reasonable.
The biggest hidden danger to human life and health is malignant tumor, with an alarming incidence.
According to relevant data, the average number of people diagnosed with cancer every day in China exceeds 1 10,000, which means that 7.5 people are diagnosed with cancer every minute, and the trend of this data has been rising.
The incidence of cancer in China is obviously on the rise, with an annual increase of about 3.9% and the mortality rate of 2.5%.
Enjoy health and separate groups of malignant tumors. This grouping arrangement improves the probability of multiple payments for serious illness, which is definitely a good thing for consumers!
& gt& gt Insufficient health enjoyment
1, short payment period
As the saying goes, the longer the payment period, the more beneficial it is to consumers, which can greatly reduce the premium pressure that policyholders need to face every year.
Some excellent critical illness insurance on the market has a payment period of up to 30 years, but only 20 years is the longest choice to enjoy health. By comparison, it is found that enjoying health can't satisfy those who have a small budget!
The choice of payment period is a bit nerve-racking topic. For this unclear little friend, look here:
"How to choose the payment period so as not to lose money? 》
2. Intensive care for severe illness has great limitations.
With regard to the enjoyment of health for serious illness, special health care funds for serious illness have been provided, and the number of payments shall not exceed 5 times.
It seems good, but when you think about it carefully, you will find that enjoying health benefits only shows a friendly attitude towards people before 18, after 60 years old and after 70 years old. In many aspects, this product does not take into account the people in the age group of 18-60.
To make a long story short, people of the age of 18-60 are not considered in this guarantee.
That is to say, people aged 18-60 can only receive 100% of the insurance coverage if they are diagnosed with serious illness, and no additional compensation can be obtained.
As we all know, if the critical illness insurance products are excellent enough, most of them will set up extra compensation at the age of 60 and above, so that the insured can have more claims to deal with risks.
3, the premium is expensive
For example, at the age of 30, a man bought a whole life insurance with an insured amount of 300,000, and the payment period was 20 years. The annual premium is 8220 yuan.
The critical illness insurance market enjoys a healthy price and is not competitive. In this way, there are many products with basically the same content, and the product with a coverage of 500,000 is at this price.
There is a difference of 0.2 million/200 thousand in insurance coverage between the two. The final money obtained by enjoying health through claims is not better than other products, so the advantage of cost performance cannot be highlighted.
Generally speaking, everyone can see the advantages and disadvantages of enjoying health at a glance. If you are interested in this product, you must pay attention before you start, and compare several products before you make a final decision.
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!