What are the disadvantages of people's medical insurance and critical illness insurance?

1. People's Insurance Company of China Kangfu's critical illness insurance lacks the protection of medium illness, and the regular critical illness insurance of health benefits lacks the protection of medium illness, which greatly reduces the protection. Insurance companies need to decide whether to insure according to their actual needs.

2. People's Health Care Kangfu critical illness insurance comes with the exemption of the insured, with only minor illness. Compared with many products on the market, periodic critical illness insurance for health benefits is weak in this respect.

3. People's Health Care Kangfu has a low proportion of critical illness insurance, with critical illness 1.30% and minor illness only 30%, so the coverage is relatively low.