Recently, PICC Life Insurance's Guangdong-Hong Kong-Macao Greater Bay Area Yuehai Worry-Free and Serious Illness Insurance was grandly launched. Just listening to the name will make you feel different. It is said that the protection is very impressive!
Many friends have the desire to buy this product. In the official accounts of Zhihu and WeChat, I sent personal messages to my sister many times, wondering if I should buy this product.
In fact, this product is not so perfect, and there are many tricks hidden in many places. I want to know the truth, look down! Anxious friends can read this article directly: What's the secret of Guangdong-Hong Kong-Macao Greater Bay Area Yuedong carefree critical illness insurance?
The point of this article is
1. Is the content of Guangdong worry-free critical illness insurance very thoughtful?
2. Is it recommended to buy worry-free critical illness insurance in Guangdong?
1. Does Guangdong enjoy the content of worry-free critical illness insurance?
Analysis of this Guangdong worry-free critical illness insurance, first look at the protection form map:
As can be seen from the above table, Guangdong enjoys worry-free and serious illness insurance, which can provide lifelong protection for everyone. Its coverage includes serious illness protection, minor illness protection and other protection, and the protection seems to be quite excellent ~
Let's take a look at the advantages and disadvantages of this product:
Guangdong enjoys the welfare of worry-free critical illness insurance.
1. Beautiful critical illness guarantee conditions
At present, many serious illness insurances in the market have increased their protection in terms of extra payment for serious illness. Guangdong enjoys worry-free serious illness insurance, and of course, extra payment for serious illness is very good: if you get serious illness in the first year of 10, you can enjoy the basic protection of 150%.
For example, 30-year-old Wang Mai bought this product with an insurance coverage of 500,000 yuan and suffered from one of the major diseases guaranteed in the contract. He was 36 when he was ill. In this case, he can get 750 thousand compensation, without worrying about the money for medical treatment!
But apart from this advantage, the seniors really didn't find any other bright spots. Not only that, there are many tricks!
Disadvantages of enjoying worry-free and serious illness insurance in Guangdong
1. Intermediate diseases are not protected.
Guangdong enjoys the basic security of worry-free, but it lacks the disease protection of China people.
Of course, excellent critical illness insurance must include moderate and severe illness protection. Compared with serious diseases, the definition of moderate diseases is looser, and the threshold for claims is very low. The protection of middle illness in critical illness insurance is a very important part, and the insured has a greater probability of getting compensation and enjoys more practical protection.
Guangdong feels at ease and can't even do the basic guarantee well. Is this comprehensive protection?
2.？ The extra compensation time for serious illness is short.
Guangdong enjoys worry-free serious illness insurance. Even if there is an extra responsibility for paying for serious illness in the early stage, the extra proportion is 50%, but it can only be obtained 10 years before the policy.
Take Lao Wang for example. If he buys this product at the age of 30, he will be very healthy in the first 10 years of the policy, and he will not be able to enjoy additional compensation at the age of 40. However, at this time, Lao Wang still shoulders heavy family responsibilities. Once he is ill, economic crisis will be inevitable.
Compared with some decent critical illness insurance on the market, most of them can be guaranteed to be 60 years old, which is more beneficial to the insured in the golden age of life.
3. Limited choice of guarantee period
Guangdong enjoys the "worry-free" option, and the guarantee period is limited to the "lifetime guarantee" option, and there is no other option. Although it is recommended to buy lifelong critical illness insurance, the premium of lifelong critical illness insurance is very difficult!
Many critical illness insurances in the market have fixed-term and life-long options, and the insured has the right to make choices and arrangements according to the actual situation. In contrast, Guangdong has lost a group of thrifty friends while enjoying carefree life ~
If you want to know whether the critical illness insurance is term or life-long, you should grasp this guide well: Which should you choose, term critical illness insurance or life-long critical illness insurance?
Second, isn't it worthwhile to enjoy worry-free critical illness insurance in Guangdong?
With the above introduction, let's bid farewell to the evaluation content of Guangdong carefree critical illness insurance ~
On the whole, it is chilling for Guangdong to enjoy worry-free critical illness insurance. Although serious illness can provide additional compensation, basic standards such as critical illness insurance are lacking, and there is no guarantee for middle illness, which makes people speechless. ......
There is never a shortage of excellent critical illness insurance products in the market, and you don't have to be obsessed with this one. There are still many good products, such as those recommended by my senior. Click directly on the following one: the new definition of critical illness insurance pk, and the most cost-effective ones are these!
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