Many friends want to know if this kind of free critical illness insurance is cost-effective? Can it be used as a serious illness protection? Is it suitable for configuration?
Learn about this product with you immediately, and answer your questions ~
If you want to look at the evaluation of seniors from another angle, you can also look at:
Is ICBC AXA Health Gold Critical Illness Insurance (Internet) free? Come and see what is going on! 》
1. How about ICBC-AXA Health Gold Critical Illness Insurance (Internet)?
As usual, I will take you to analyze the protection form of ICBC AXA critical illness insurance (Internet):
ICBC AXA Health Gold Critical Illness Insurance (Internet) supports children born more than 28 days-64-year-old people.
You know, the highest age of some critical illness insurance on the market is under 55 years old.
In contrast, ICBC-AXA Health Gold Critical Illness Insurance (Internet) has a wide age range. Frankly speaking, you can protect customers of multiple ages and try to be Xian Yi ~
Below, senior will take a good look at this critical illness insurance with you:
1, short warranty period.
The critical illness insurance (Internet) received by ICBC AXA Health Gold for free can only be guaranteed for three months, and the guarantee period is not very long.
Secondly, this critical illness insurance also covers a waiting period of 30 days.
Remind everyone that once an accident occurs due to non-accidental injury during the waiting period, the insurance company is not responsible for paying compensation.
Then MINUS the waiting period, the time to really cover the disease protection will be almost two months.
Moreover, before taking out this critical illness insurance, you must inform your health. If the health does not meet the insurance conditions agreed by the insurance company, it cannot be insured.
Therefore, strictly speaking, after considering the purchase of ICBC AXA health insurance (Internet), it is unlikely to make claims for illness.
Once the disease is detected in such a short time, it is really unfortunate that it is thousands of dollars.
The cost of serious illness treatment often needs more than ten, hundreds of thousands or even millions.
Although it is thousands of pieces for free, the protection function of these thousands of pieces is relatively weak.
2. The safety content is thin.
ICBC-AXA Health Gold Critical Illness Insurance (Internet) only provides critical illness protection.
Compared with those products that have comparative analysis of protection for mild, moderate and severe diseases, and even provide multiple compensation, death/disability insurance and premium exemption for high-risk and serious diseases, the protection content of ICBC-AXA Health Insurance's critical illness insurance (Internet) is not fully considered!
If you are unfortunately suffering from a serious illness, but the degree of the illness does not meet the standard of serious illness, this policy cannot be compensated.
However, it is more likely to claim compensation for serious illness insurance that provides protection for mild and moderate diseases.
Even some critical illness insurance also includes green ring service, which can not only help patients solve the problem of "expensive medical treatment", but also solve the problem of "difficult medical treatment", which is more intimate.
Versailles aggravated illness insurance, which is popular in the market, is such a product, with much more compensation, and the service of Lvlian is also good. Interested parties can take a look at the following detailed evaluation:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Is ICBC AXA Health Gold Critical Illness Insurance (Internet) worth receiving?
In short, although ICBC-AXA Health Gold Critical Illness Insurance (Internet) can be collected free of charge, the coverage content and amount are not very comprehensive, and the ability to transfer the economic risks caused by critical illness is not satisfactory, and the cost performance is relatively low.
If you want critical illness insurance products with high cost performance, comprehensive protection and high compensation, Senior Sister has compiled several critical illness insurance products with high cost performance for everyone. If you are interested, you can have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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