Today, Senior Sister will evaluate this critical illness insurance for everyone.
Before the evaluation, you can also look at the more popular critical illness insurance on the market:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1. Is this the insurance condition for Hongkang Shoushou Health 202 1?
Before we begin, let's study the guarantee of this product carefully.
After careful study of its insurance rules, the biggest advantage of Hongkangshoushou Health 202 1 is that the insurance profession is relatively harmonious and relaxed, and it can insure 1-6 occupational groups.
Through the classification of occupations, it can be found that only occupations with high risks cannot insure this product, and the overall requirements for insurance are not very high.
After all, many seriously ill products on the market limit their occupations to 1-4, which greatly reduces the insured population. After all, it is because of professional restrictions that you can decide whether you can insure:
What is the impact of occupational restrictions on insurance? Please collect these 6 types of occupational insurance guides as soon as possible! 》
I have to say that the insurance age, guarantee period, payment period and waiting period set by Hongkangshoushou Health 202 1 are not particularly humanized.
1, the insurance age setting is too narrow: only people aged 0-60 can be insured. For those who raise the insurance age to 75, Hongkangshoushou Health 202 1 is far from enough.
2. The guarantee period is too simple: Hongkang Shoushou Health 202 1 only has the option of lifetime guarantee, and it is not optional on a regular basis. The insured can't choose according to their own needs, and the premium for lifetime protection is more expensive, which is not very friendly to the insured.
3. The longest payment period is only 20 years: the longer the payment period, the greater the effect on reducing the annual payment pressure, which is conducive to triggering the exemption clause.
At present, the longest payment time is 30 years. However, Hongkang Shoujian Health 202 1 is ten years less than others and is not friendly enough.
4. Long waiting period: The shortest waiting period for critical illness insurance in the market is 90 days. This product has reached 180 days. If the insured is in danger during the waiting period, he will not be able to get compensation.
Hongkangshoushou Health 202 1 stipulates this point, which also increases the probability of getting out of danger during the waiting period.
If you still don't understand the insurance conditions, you can look at the following specific analysis:
"Hongkangshoushou Health 202 1" is the most comprehensive evaluation of the whole network, and it is finally clear this time! 》
Second, dig deep into the hidden pit of Hongkang Health 202 1!
Let's take a look at the safety content of Hongkangshoushou Health 202 1. I didn't expect senior to see many shortcomings:
1, serious illness protection is not sincere.
For serious illness, Hongkangshoushou Health 202 1 provides basic insurance coverage 100%, that is, the money bought is the same as the money lost.
Compared with those products that provide extra compensation for serious illness, the gap is bigger and more compensation can be obtained. Isn't this more fragrant?
2. Mild illness is an optional responsibility, and the protection is general.
Severe illness+moderate illness+minor illness This is the most basic configuration of a critical illness insurance, but Hongkang Shoujian Health 202 1 can choose the responsibility for minor illness by itself, which means that after adding these two guarantees, the premium will also increase.
In case of moderate illness, there is only 50% guarantee, and the proportion of compensation is lower than the market average. It really doesn't look good!
3. The interval of secondary compensation for malignant tumor is long.
Malignant tumor, as a disease with high incidence and recurrence rate, can reduce more stress and solve unexpected accidents more calmly if you have this guaranteed second payment.
Although Hongkangshoushou Health 202 1 is aimed at patients with malignant tumor-severity diagnosed for the first time, after a period of re-diagnosis, all basic insurance coverage can be paid.
The most chilling thing is that its interval is as long as five years. As we all know, for cancer patients, three years is a hurdle. Five years later, it is equivalent to being cured. In this way, it is meaningless to pay for cancer twice.
Therefore, the second compensation for malignant tumor of Hongkang Shoushou Health 202 1 is not comparable to those of the same type with an interval of 3 years!
Generally speaking, Hongkangshoushou Health 202 1 has many shortcomings, so it is not recommended that you buy it. Look at other homes and choose a better one.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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