1. Is Hongkang Life Insurance Company's claim timely?
Since a long time ago, consumers have been biased against insurance, because most people have bought insurance before, but they can't claim compensation when they are out of danger. Even if the insurance industry is gradually improving its own atmosphere, everyone is still very concerned about the unreliability of insurance companies and the quick settlement of claims.
So let's look directly at the strength of Hongkang Life Insurance:
1, company profile
Hongkang Life Insurance was founded on July, 2065438 19, less than ten years ago, but the brand of Hongkang Life Insurance has become a dark horse of life insurance enterprises.
Hongkang Life Insurance has a registered capital of 6,543.80 billion yuan, and set up branches in Henan, Jiangsu and Shanghai. Up to now, the existing capital exceeds 30 billion yuan.
For details about Hongkang Life Insurance, let's take a look at this article:
"I saw the products of Hongkang Life Insurance Company, and my heart was cold ..."
2. Claims settlement ability
The next step is that consumers are worried about claims.
According to Hongkang Life Insurance's 2020 Claims Annual Report:
In 2020, the total amount of claims will reach1.1.70 billion yuan, and the fastest time limit for annual claims will be 0.0 1 day. The insurance company's claim was basically completed on the same day. Hongkang Life Insurance has done a good job in settling claims and settled claims quickly.
For example, if we spend money on this product, apply for claims according to the correct steps and prepare the information in advance, we need such cooperation. The company will make claims and we can get compensation faster.
In a word, Hongkang Life Insurance is a very secure insurance company. This company is quite reliable because its strength and claims are good. Just looking at these two aspects, such as the solvency of insurance companies, is not comprehensive enough. After we know all aspects of this company, we will choose his products.
How to judge the specific way, the senior sister leads everyone to understand in depth:
"What should we see insurance companies? 》
The point is also below. Whether the Doraemon version 2.0 critical illness insurance of Hongkang Life Insurance can solve the problems that everyone needs to face depends on whether its protection content can make up for our risk gap.
2. Is Doraemon version 2.0 critical illness insurance of Hongkang Life Insurance worth buying?
Not much to say, let's take a look at the protection form of Doraemon critical illness insurance version 2.0:
From the picture, we can see that the guarantee of this product is quite weeks, so the following senior sister directly points out the advantages and disadvantages of these guarantees, and first talks about the advantages:
1, severe illness can have multiple compensation.
This Doraemon 2.0 version of critical illness insurance of insurance company covers 120 kinds of critical illness insurance, and it is divided into 5 groups with 4 payments. The grouping of critical illness is quite reasonable, which is reflected in the fact that high-risk diseases such as malignant tumors are listed as a single group, which increases the probability of claims.
2. Selective premium due
Doraemon version 2.0 critical illness insurance can also add two additional all risks, so the return time includes the paid premium and the insured amount of the additional contract, and the sum of the two is the total return amount.
Birth, old age, illness and death are the guarantee contents of old-age security. The attraction of Doraemon version 2.0 critical illness insurance is not only that it can be attached with two full risks, but also that the return function is very humanized, which is one of the highlights of Doraemon version 2.0 critical illness insurance.
3. Loose requirements for insured occupations.
Doraemon version 2.0 critical illness insurance allows 1-6 professional workers to take out insurance, which means that some high-risk professional groups are not covered by it, and others almost meet the insurance conditions. Compared with most critical illness insurance products on the market that only agree to start with 1-4 occupational group, Doraemon version 2.0 is more friendly.
Compared with other insurances, Doraemon 2.0 version of critical illness insurance has many advantages. Although there are many advantages, we have to pay attention to its disadvantages:
1, there is no guarantee for moderate diseases.
At present, a critical illness insurance on the market should have the basic configuration of "serious illness+medium illness+light illness". With these three basic guarantees, we can get consumers' affirmation. Doraemon version 2.0 is very disappointing, but there is no middle disease protection!
The severity of chronic diseases is lower than that of major diseases, so we should pay attention to their condition and treatment cost. At the same time, if there are chronic diseases in the serious illness claims, the standard of serious illness claims will be lowered, and we can get corresponding compensation.
What are the characteristics of excellent critical illness insurance? Let's have a look. Compared with other products, we can find how bad Doraemon version 2.0 critical illness insurance is in this respect:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
2. There is no extra compensation for serious illness.
The basic payment ratio for major diseases is 100%. In order to improve competitiveness, many insurance companies pay an extra 60%- 100% on the basis of basic compensation. In case of serious illness, if you want to double the insured amount, you need to pay extra 100%.
Doraemon 2.0 is loved by people because of its multiple payments, but the basic coverage of each payment is 100%. As long as compared with those products that can pay extra, there is no advantage, not only the scope of protection is the same, but also other protection responsibilities. It is definitely better to choose products with greater protection.
To sum up, Hongkang Life's Doraemon insurance is also relatively common, and there is nothing worthy of too much praise. Whether to insure or not, or whether friends should combine their own actual situation to meet their own security needs and meet economic conditions, can still be considered.
Write it at the end
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