There are also many small partners asking, is the price/performance ratio of Hongkang Doraemon 2.0 really that high? Is it really worth buying?
Then senior sister will take you to know this product well today ~
Senior, before reading the article, please read this guide to critical illness insurance:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
First, the protection content of Hongkang Doraemon 2.0 is open!
Let's take a look at Hongkang Doraemon 2.0:
Let me show you the evaluation results of senior:
1, poor serious illness protection
According to the statistics of the Ministry of Health, in 2020, there will be 4.57 million new cancers in China, accounting for 23.7% of the world. Because China is the most populous country in the world, China has more new cancer cases, even far exceeding the number of other countries in the world.
Although Hongkang Doraemon 2.0 has serious illness protection, it can't meet the demand of extra compensation for new cancer patients at present. Most critical illness insurance products provide 80% additional basic protection. Compared with this part of critical illness insurance, Hongkang Doraemon Insurance 2.0 has no features!
2. Lack of protection for diseases in China.
China's disease, to put it bluntly, is not too serious, but it is not very mild.
For example, many people in hospitals suffer from heart diseases. These diseases may be very serious, or they may be very minor or very minor. The key is the severity of heart disease.
If the critical illness insurance product is added with the middle illness protection, if the insured suffers from the middle illness, the probability of the insured getting compensation can be increased to a certain extent.
Hongkang Doraemon 2.0 actually lacks the protection of China's disease, which makes senior sister really never think about it!
To be clear, the best critical illness insurance on the market has a maximum coverage of 60% of the basic coverage. Let's say you're insured for 500 thousand, but you're still unfortunately sick. In this way, Hongkang Doraemon Insurance 2.0 will not compensate for this, but other critical illness insurance still has a compensation of 300,000 yuan.
That's a lot of money!
Hongkang Doraemon Insurance 2.0, as a critical illness insurance with multiple payments and lifelong protection, can't even provide consumers with comprehensive basic protection content, which is really helpless ~
If you still don't give up, let's listen to the opinions of insurance experts on Condora A Insurance 2.0:
"Doraemon 2.0 critical illness insurance value is not worth buying? Look at these three points.
Time is limited, let's take a quick look at the comparison between Hongkang Doraemon 2.0 and explosive critical illness insurance. Only by comparison can we find the problem? Take a look at the following to know if Hongkang Doraemon 2.0 has any purchase value!
Second, compared with popular critical illness insurance, is Hongkang Doraemon 2.0 worth buying?
Hongkang Doraemon 2.0 ends here. Let's take a look at this popular critical illness insurance in the first edition of Ruyi Hulu. Senior sister recommends this critical illness insurance for the following reasons ~
Let's take a look at the protection map of the first edition of Ruyi Golden Gourd:
Let me show you the evaluation results of senior:
1, the proportion of extra compensation for serious illness is high.
At the beginning of Ruyi Golden Gourd, the critical illness protection covers 1 10 kinds of major diseases, which are divided into 6 groups, and can be paid up to 6 times, and the proportion of each payment is increased by 20%.
In addition, the first edition of the critical illness protection of Ruyi Golden Gourd, which was diagnosed for the first time before the age of 60, can pay an additional 80% of the basic insurance amount.
Suppose Mr. Li insured the first edition of Ruyi Golden Gourd with a total amount of 500,000 yuan. Before he was 60 years old, he was diagnosed with a serious disease through testing. For Mr. Li, he will get a maximum of 900,000 insurance money.
With Hongkang Doraemon, you can only pay for it four times at most, and the critical illness protection is 2.0, and each payment is only the basic protection 100%. In the setting of critical illness protection, the first edition of Ruyi Golden Gourd is really intimate!
Of course, if the two products evaluated by Senior Sister are not suitable for everyone, Senior Sister has been considerate enough to help you sort out the list of critical illness insurance, which are all worth buying:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2, additional responsibility-malignant tumor compensation three times
According to the latest data of WHO, 8 people are diagnosed with cancer every minute on average, which is really a terrible data!
If you choose the first edition of Ruyi Golden Gourd as the guarantee, you can pay up to 3 times for malignant tumors. For cancer patients, this wave of surgery can make cancer patients more confident to fight the disease, properly!
I decided to start with Hongkang Doraemon 2.0. If I have cancer, I lose twice at most.
Third, the summary of the senior sister
Generally speaking, the basic guarantee of Hongkang Doraemon 2.0 needs to be improved, and the guarantee strength is also very general. Not only that, incomplete protection is quite expensive, so heartless ~
Look at the first edition of Ruyi Golden Gourd, which not only has complete protection, but also has very good protection as a critical illness insurance that has been paid for many times. To sum up, compared with Doraemon 2.0, the first edition of Ruyi Jinhulu Hongkang has a very good cost performance.
Therefore, if you want to buy critical illness insurance, you must first compare it with the excellent critical illness insurance products on the market before buying ~
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!