Is this product really that good? Explain it in detail! The detailed analysis is in the article, so hurry and have a look!
Hongkang Defends Health 202 1 Multidimensional Decomposition. Come and have a look!
I. Analysis of Hongkang Health Insurance 202 1
Come on, the security map is coming.
Hongkangshoushou Health 202 1 Protection Map
As can be seen from the figure, the main components of Hongkang Shoushou Health 202 1 Hongkang Shoushou Health 202 1 are compulsory liability+optional liability, and the compulsory serious illness protection is a one-time payment, and mild or moderate diseases and mild diseases can be exempted. In addition, there are 13 special diseases for men and 7 special diseases for women, and the extra payment is 50%.
The advantages and disadvantages of this product are obvious at a glance. I'll give you a summary!
1.？ Hongkang Defending Health 202 1 Advantage Analysis
(1) Comprehensive guarantee and flexible choice of responsibilities.
In Hongkangshoushou Health 202 1, only the serious illness protection is mandatory, and other responsibilities such as minor illness, death and secondary compensation for malignant tumor are optional. Choose full responsibility, and you will have an excellent critical illness insurance.
But what's even more amazing is that its responsibility is extremely flexible, and it's rare to see that the death responsibility can be freely chosen in the products on the market.
In this way, we can better meet the demand and budget when choosing seriously ill products. If you want a comprehensive budget, you can choose full responsibility; If the budget is not enough but you want to get all kinds of protection, you can buy basic light, medium and heavy protection; If you want to turn this insurance into a male-only insurance, it is more appropriate to protect men's special diseases.
It's similar to buying food in the vegetable market. Choose something that suits your taste and doesn't exceed your budget. Very human!
If you want to know more about critical illness insurance, this product is super good. Come and have a look!
I want you to know this before you buy the same Versailles 1!
(2) Mild cases can retain carcinoma in situ.
Cancer in situ is a disease with high incidence and mild condition corresponding to severe malignant tumor, and it is an early non-invasive cancer. If patients and their families pay attention to treatment, the probability of developing into malignant tumor will not be too great, and the cost of treatment is about tens of thousands.
However, after the new regulations for serious diseases cancel the protection for minor diseases of cancer in situ, some serious diseases of cancer in situ are not covered at all, so the value of protection for minor diseases has dropped a lot.
However, Hongkangshoushou Health 202 1 always has the protection of mild carcinoma in situ. If you are unfortunate enough to have cancer in situ and meet the insurance liability stipulated in the contract, you will get a slight compensation, continue to treat the disease and try to reduce the risk of malignant tumor!
2.？ Analysis on the Shortcomings of Hongkang Defending Health 202 1
Which consumer would want a longer waiting time? Because during the waiting period, even if the designated insurance accident happens, the insurance company will only watch. If you are seriously ill, you need to bear hundreds of thousands of expenses alone. Buying this insurance is equivalent to not buying it.
At present, the competition in the critical illness insurance market is increasingly fierce, and products emerge one after another. There are not a few products with a waiting period of 90 days! Hongkang stayed healthy for 202 1 or 180 days, 90 days more than others. This does not take care of the feelings of consumers!
Is the waiting period as short as possible? Click on this article to find the answer!
Does the insurance company choose not to pay during the waiting period? If you don't understand, you will be fooled!
Second, is the value of Hongkangshoushou Health 202 1 worth buying?
Comprehensive analysis shows that Hongkangshoushou Health 202 1 has complete guarantee, rich optional responsibilities and high flexibility. However, this product can only be guaranteed for life. In the case of limited budget, we should pay more attention to the collocation of insurance liability. When this product has insurance liability, because the waiting period of this product is too long, the risk of not being able to claim compensation will be greater than that of the product waiting for 90 days. If this bug is well accepted, this product is still excellent.
Write it at the end
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