There are also many small partners asking, is the cost performance of Fosun's joint medical insurance critical illness insurance really that high? Is it really worth buying?
Today, Senior Sister will show you!
If you are in a hurry, you can take a look at this elite evaluation first:
"Can you buy a critical illness insurance and contract a medical examination? Fosun joint family medical insurance critical illness insurance is a bit interesting ... "
1. What are the advantages and disadvantages of critical illness insurance for family medical insurance?
Let's interpret the protection policy of family medical insurance critical illness insurance:
What this chart can tell us is that the critical illness insurance of family medical insurance provides protection for the insured in the form of critical illness+optional liability, and its protection content is relatively not so rich.
Let's discuss the advantages of critical illness insurance for family medical insurance!
1, flexible payment period
The payment methods of critical illness insurance for family medical insurance can be selected, including wholesale payment and regular payment, and the longest payment period is 30 years.
Compared with people with poor budgets, the payment period of critical illness insurance for family medical insurance is very friendly.
The longer the payment period, the less the annual premium, which can alleviate the payment pressure of the insured to some extent.
In addition, if the applicant's exemption is added by the insured, if the insured suffering from diseases within the scope of the contract unfortunately falls ill during the payment period, the applicant's exemption can be triggered.
After that, you don't have to pay the premium, but the policy is still valid and the cost is reduced a lot.
2. Health services are intimate
Family medical insurance critical illness insurance can provide three health services: health information, early screening and critical illness medical care, which can be provided to the insured and their three immediate family members. Some people think that its coverage has expanded and its practicality has become higher.
It is worth mentioning the early screening and physical examination service.
Many people don't agree to go to the hospital for medical examination, because it will produce expensive medical examination expenses, which is a very important reason. The cost of physical examination may take friends a month or two.
But it's impossible not to have a physical examination, because only regular physical examination can make the disease be found at an early stage, so as not to delay prevention and treatment.
At present, the critical illness insurance of family medical insurance provides different physical examination items for different age groups, mainly including 18-45 years old and 46- 105 years old.
Screening items such as thyroid nodules, prostate cancer, stomach diseases and early cervical lesions are only provided for people aged 18-45, and a large number of screening items make the insured feel very intimate.
Now, combined with what I have seen above, more people want to unveil this product.
However, don't be too anxious at the beginning, and choose after reading the critical illness insurance of home medical insurance, so as not to be late.
Next, let's focus on the shortcomings of this family medical insurance critical illness insurance:
1, the waiting period setting is unreasonable.
Before, my senior specially asked everyone to pay attention and try to choose products with shorter waiting period.
Because of the risks during the waiting period, the insurance company has no responsibility and obligation to compensate, and even directly terminates the contract strictly.
The specific content can be understood according to this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
At present, the waiting time for many critical illness insurance in the same industry is only 90 days. In contrast, the waiting period of critical illness insurance 180 days for home medical insurance is really too long.
2. Lack of basic security
Mild illness, moderate illness and severe illness are all within the scope of basic protection, and among these three items, the critical illness insurance of home medical insurance does not provide the relevant protection for mild illness and moderate illness, which is a pit for many people!
We should know that mild illness corresponds to the mild state of 28 kinds of serious diseases that must be covered by critical illness insurance, and medium illness corresponds to the moderate state of 28 kinds of serious diseases that must be covered by critical illness insurance. The setting of mild and moderate diseases can lower the standard of consumer claims.
However, the critical illness insurance of family medical insurance only takes care of illness, which can also be understood in this way. For example, if the insured's illness does not meet the critical illness standard, the critical illness insurance of family medical insurance will not be paid, so this part of the money can only be paid by itself.
The vast majority of excellent critical illness insurance in the market not only provides consumers with complete basic protection, but also accounts for a good proportion of extra compensation at a specific age.
For example, in Versailles 1, the difference between medical insurance and critical illness insurance at home is not a little bit. ...
Second, is the family medical insurance critical illness insurance cost-effective? Is it worth buying?
It is no exaggeration to say that the leverage of critical illness insurance for family medical insurance can really be said to be the first lowest.
Take the product A Mu Tong 1 of the same company as an example, which is more convincing after comparison.
A Mu Tong 1 not only provides excellent basic guarantee, but also provides multiple compensation for mild and moderate diseases, with the highest compensation ratio for severe diseases 100%.
A 30-year-old man bought a Mu Tong 1 with an insured amount of 500,000. After 30 years, he only needs to pay 6900 yuan, which is still very cost-effective.
Under the same conditions, the critical illness insurance of family medical insurance lacks basic protection, and the protection is still very small, but the premium is almost equal to a Mu Tong 1.
Compared with the "predecessor" A Mu Tong 1, the critical illness insurance coverage of family medical insurance is really poor.
On the whole, the health service guarantee of critical illness insurance of family medical insurance is remarkable.
Generally speaking, the critical illness insurance of Fosun United Medical Insurance is not cost-effective, lack of protection and expensive, so it is not worth buying.
If you want to have a better guarantee, it is recommended to start with these cost-effective products:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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