Recently, a critical illness insurance named Hongkang Shoushou Health 202 1 was introduced to the public by Hongkang Life Insurance. It is said that this product is very practical, reaching 193 disease protection. Is this product really that great? Explain it in detail! There is a careful evaluation below, you can have a look! Hongkang Health 202 1 Is it worth buying? Look here!
I. Analysis of Hongkang Health Insurance 202 1
Don't worry, I'll send you a protection map.
According to the picture, Hongkang Shoujian Health 202 1 Hongkang Life Shoujian Health 202 1 consists of two main parts: mandatory responsibility and optional responsibility. Compulsory liability in critical illness insurance is a single payment, and mild and moderate illness exemption is optional. In addition to these, there are 13 male-specific diseases and 7 female-specific diseases with an extra 50%.
After understanding the advantages and disadvantages of this product, it will be more prominent. Let's have a look!
1.？ Hongkang Defending Health 202 1 Advantage Analysis
(1) Comprehensive guarantee and flexible choice of responsibilities.
Only serious illness protection is the compulsory responsibility of Hongkang Health 202 1, others, such as minor illness, death, secondary compensation for malignant tumor, etc. , included in the optional responsibility. If you want to be an excellent critical illness insurance, you must first choose all responsibilities, which is one of the factors it needs.
But what is even more amazing is that its responsibility has a very high relaxation power, and it is difficult to see that death liability is a freely selectable product in the market.
In this way, we can better meet the demand and budget when choosing seriously ill products. Require all-round protection, adequate budget, and all responsibilities can be added; The budget is limited, but to ensure comprehensive protection, you can choose basic mild, moderate and severe protection; If you want to turn this insurance into male-only insurance, you can choose male special disease protection and so on.
If you want to know more about the cost-effective critical illness insurance, this product is super good. Come and have a look! Before I buy the same Versailles 1 worldwide, I have to tell you a few things!
(2) Mild cases can retain carcinoma in situ.
As for cancer in situ, we can understand that it belongs to a kind of high-incidence mild disease corresponding to severe malignant tumor, and it also belongs to early non-invasive cancer. Treatment costs tens of thousands of dollars. If treated well, it is unlikely to continue to develop into a malignant tumor.
However, after the new regulations for serious illness cancelled the protection for minor illness of cancer in situ, some serious illness insurance on the market did not protect cancer in situ at all, which greatly reduced the value of minor illness protection.
However, Hongkangshoushou Health 202 1 always has the protection of mild cancer in situ. If you unfortunately suffer from cancer in situ and reach the insurance liability agreed in the contract, you can get a minor compensation.
2.？ Analysis on the Shortcomings of Hongkang Defending Health 202 1
For consumers, the shorter the waiting period, the better! Because during the waiting period, even if the specified insurance accident occurs, the insurance company will not be responsible. If it is a serious illness, hundreds of thousands of expenses are on themselves. Buying this insurance is equivalent to not buying it.
At present, there are various products in the critical illness insurance market of enter the dragon, and the waiting period of many products is 90 days! Hongkang stayed healthy for 202 1 or 180 days, 90 days more than others' 90 days. This is too bad for consumers!
Second, is the value of Hongkangshoushou Health 202 1 worth buying?
Generally speaking, Hongkangshoushou Health 202 1 has many guarantees, full optional responsibilities and strong choice flexibility. However, this product can only be guaranteed for life, and partners with limited budgets should pay attention to the matching of insurance responsibilities. Long waiting period is the biggest drawback of this product. After all, in the case of insurance liability, the risk of not being able to claim compensation is greater than that of products waiting for 90 days. If this shortcoming is nothing, this product is still worth buying.
I summed up the better critical illness insurance than this product. Click here to browse! There are many new definitions of critical illness insurance, and these ten models stand out!
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