There are also many small partners asking, is the price/performance ratio of Xinhua Health Worry-Free D 1 critical illness insurance really that high? Is it really worth buying?
Let's explore it with our senior today and see if it's worth liking.
Before this, friends who have not been exposed to critical illness insurance should familiarize themselves with the relevant contents first:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
1. Xinhua Health Care D 1 What are the guarantees?
As before, let's take a look at the product evaluation chart of Xinhua Health Worry-Free D 1:
The picture clearly shows that the protection of Xinhua Health Worry-Free D 1 does not contain much content. The basic protection only covers the protection of taking care of illness and death, and the protection of specific critical illness care funds.
Xinhua Health Care D 1 Insurance requires the gender and age of the insured.
Male insured persons must be 50-65 years old and female insured persons must be 50-66 years old before they can apply for Xinhua Health Insurance D 1.
In fact, the protection content of Xinhua Health Care D 1 is really not so good. Why attract so many people to take out insurance?
After reading my senior's analysis of Xinhua Health Worry-Free D 1, do some friends feel that they have suffered too early?
Anxious friends, you can already check the evaluation points directly:
"Xinhua health worry-free D 1 worth buying? You may not be able to control these defects! 》
Second, Xinhua Health Worry-Free D 1 Is it worth buying?
Senior sister found some careful machines of Xinhua's healthy and worry-free D 1, so everyone should pay attention to avoid the pit ~
1, with strict insurance conditions.
Xinhua Health Worry-Free D 1 is very strict and uncertain, so you can only buy life insurance.
Under normal circumstances, the premium of the life-long version is much more expensive than that of the ordinary version. Xinhua Healthy Worry-Free D 1 Not very good for families with insufficient economic ability.
At present, many products on the market contain lifetime warranty and regular warranty. In contrast, you can only choose Xinhua Health Worry-Free D 1 for life, so the warranty period is not flexible at all!
1is the longest payment period in the security system of Xinhua Health Care D 1. Compared with those products that can be paid for up to 30 years, Xinhua Health Care D 1 can't relieve consumers' premium pressure at all.
Regarding the waiting period, the waiting period of Xinhua Health Worry-Free D 1 is set to 180 days, and the shortest waiting period on the market is 90 days, while the waiting period of Xinhua Health Worry-Free D 1 180 days is not very friendly.
2, the basic guarantee is short of two pounds.
Excellent critical illness insurance products have complete basic protection, and serious, moderate and minor diseases must be included.
However, Xinhua Health Care D 1 lacks basic security, and only takes care of diseases, not minor diseases.
The definition of mild illness is lighter than mild illness, but the probability of illness is not lower than mild illness.
With the development of medical conditions, the quality of testing instruments is getting better and better, and serious diseases can be seen in the early and middle stages, which also leads to the more prominent protective role of traditional Chinese medicine.
What does this mean? It means that the protection of mild and moderate diseases can make patients get treatment in the early and middle stages and improve the probability of cure.
Excellent critical illness insurance will cover mild and moderate illness protection. For example, this Versailles plus critical illness insurance not only has excellent basic protection, but also has many practical protection contents for policyholders to choose from.
And Versailles plus critical illness insurance can get a much higher proportion of compensation than this Xinhua Health Worry-Free D 1. Please poke this article if you want to know:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Xinhua Health Worry-Free D 1 lacks in the content of protection. Comparatively speaking, the quality critical illness insurance is really too bad.
3. Lack of secondary compensation for high incidence and serious diseases.
The biggest defect of Xinhua Health Worry-Free D 1 is the high incidence of serious diseases and the lack of secondary compensation.
We take cardiovascular and cerebrovascular diseases as an example. The recurrence rate of cardiovascular and cerebrovascular diseases is not particularly low, and it is one of the high-incidence diseases.
According to the statistics of our country, basically most stroke patients are more and more likely to relapse with the passage of time after discharge.
After reading these data, you should have a further understanding of the importance of secondary compensation for cardiovascular and cerebrovascular diseases.
Xinhua Health Worry-Free D 1 is not equipped with secondary compensation for high incidence and serious illness including cardiovascular and cerebrovascular diseases, which makes users sad!
Generally speaking, Xinhua Health Worry-Free D 1 Critical illness insurance is not worth buying because of its low cost performance, high insurance threshold and insufficient protection.
Write it at the end
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