Advantages and disadvantages of people's health perspective
As a critical illness insurance, the name of PICC Health Angel looks very intimate. PICC Health Angel has its advantages, but there are also some shortcomings. Let's explain it separately.
Advantages of PICC health angel
1, PICC Health Angel has an intimate product feature, which can provide two outpatient registration appointment services, two hospitalization appointment services, two surgery appointment services, two accompanying medical services, plus health records and health consultation services. This touched many people's hearts.
2. The policy loan amount is relatively high, and the maximum loanable amount is 80% of the cash value.
3. If the insured is alive and there is no insurance accident agreed in this additional insurance contract, the health maintenance insurance premium can be paid at the rate of 105% of the premium paid in the main insurance contract and this additional insurance contract.
People's insurance health angel shortcomings
1. As a critical illness insurance, PICC Health Angel covers relatively few critical illnesses. There are only 50 categories of major diseases stipulated in the contract, but some major diseases covered by the same industry's critical illness insurance have reached more than 60 categories.
2. Return the chicken ribs at the expiration date. If people who are optimistic about the health angel of PICC are not out of danger after the insurance expires, they can return the principal, which looks good. However, it is not appropriate to use the refund clause to protect healthy angels. Because the amount returned by PICC Health Angel is 105%, and the interest is not high, we are not sure whether the RMB will depreciate during the 25-year insurance period.