The following sister will give you an in-depth evaluation! Want to know how to choose critical illness insurance? The following articles must be read:
How to buy critical illness insurance? If you miss this shopping guide, you will be miserable! 》
Xinhua Life also has a critical illness insurance product, which is said to perform well. Many small partners are interested in the content of this product.
So today, this senior will analyze the health and worry-free A 1 critical illness insurance of Xinhua Life Insurance in detail, and study whether this product is worth having.
First, Xinhua Health Worry-Free A 1 The content of critical illness insurance protection is revealed!
As usual, let's take a look at the product diagram of Xinhua Health Worry-Free A 1 Critical Illness Insurance:
After reading the above picture, we can know that the protection content of Xinhua Health Worry-Free A 1 Critical illness insurance is well understood, and it can be fully understood almost at a glance. Let's analyze it one by one!
1, analysis of insurance conditions
It can be understood that the insurance age range of Xinhua Health Worry-Free A 1 critical illness insurance is set to 30 days after birth to 5 1 one year (excluding).
At present, the maximum insured age of most critical illness insurance products on the market is 55 or 60. The insurance age threshold of this product is relatively high, and the requirements for the insurance age are also relatively high, which is not so good for consumers.
Then you can look at the warranty period. The product includes four guarantee periods, namely, 20 years, 30 years, from the effective date of the policy to the insured's 60-year-old or from the effective date of the policy to the insured's 70-year-old.
Here, I still want to tell you that the payment period of this product is not provided. If you want to pay the premium once, you need to think twice.
The payment period of Xinhua Health Worry-Free A 1 critical illness insurance mainly provides 5 years, 10 years, 15 years and 20 years.
Consumers can consider the payment period according to their actual situation and economic ability. For example, small partners with relatively average economic ability can choose a longer payment period to ease the pressure of payment.
Want to know how to choose the best payment period? Details are in the following articles:
"How to choose the payment period so as not to lose money? 》
2. Security content analysis
We can find that the protection of Xinhua Health Worry-Free A 1 Critical illness insurance is not so difficult, mainly covering the protection of critical illness and death. It also covers the optional guarantee of malignant tumor-severe extra compensation.
After the waiting period, the malignant tumor agreed in the contract can be diagnosed for the first time, which not only allows the insured to enjoy the critical illness insurance premium, but also gets 50% of the basic insurance premium paid by the insurance company.
However, it is worth noting that this product only guarantees death protection, and does not provide total disability protection for the insured.
This means that if the small partner is completely disabled in the accident, he will not get the insurance money compensated by the insurance company. Therefore, the guarantee content of this product is not conspicuous, and it is not so comprehensive for consumers.
Knowing this, I believe you have a general understanding of Xinhua Health Worry-Free A 1 Critical illness insurance. What else is worth noting about this product? Senior, let's have a look with you!
Second, you must pay attention before insuring Xinhua Health Worry-Free A 1 Critical illness insurance!
1, excluding the protection of moderate and mild diseases.
Critical illness insurance products on the market generally include three basic guarantees: serious illness, moderate illness and mild illness.
Xinhua Health Worry-Free A 1 Critical illness insurance only covers serious, moderate and minor diseases.
Just like moderate and mild diseases, in fact, compared with serious diseases, the symptoms are not particularly serious, but they are still harmful to the body. If not treated in time, mild and moderate diseases can easily develop into serious diseases.
Therefore, many critical illness insurance products on the market are based on this point, which will provide basic protection for serious diseases, moderate diseases and minor diseases.
2. The waiting period is 180 days.
And we can see that the waiting period of Xinhua Health Worry-Free A 1 critical illness insurance is 180 days.
You know, the reason why insurance companies have to set a waiting period is to prevent being cheated.
For those who still have questions about the waiting period, please take a look at the following article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
When the waiting period has not expired, if the insured is unfortunately out of danger due to unexpected factors, it is generally impossible to obtain claims from the insurance company.
Therefore, from the standpoint of consumers, the shorter the waiting period, the better, so that we can get all the protection earlier.
Speaking of this, this product has a poor performance and is not very considerate to consumers.
On the whole, Xinhua Health Worry-Free A 1 Critical illness insurance has a low cost performance, insufficient protection, insufficient protection for mild and moderate diseases, and a long waiting period, so it is not worth buying.
Write it at the end
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