Hong Zhong Life Health Hongxing is aimed at people aged 65,438+08-60, and the coverage covers serious diseases, among which the serious diseases are divided into 5 groups and paid for three times, which is practical in grouping, increasing the probability of paying for high and serious diseases. In addition, the maximum amount of compensation for serious illness can reach 150%, and more compensation can be paid for mild illness, but the middle illness is not solely responsible, and the body can also be compensated. So, is this healthy red star worth insuring?
Main analysis in this issue:
1. What does Healthy Red Star mainly cover?
2. Comparative advantages in critical illness protection, disease grouping and death protection.
3, need to pay attention to the definition of disease, high incidence and serious illness protection and other details.
4. What kind of company is Hong Zhong Insurance?
0 1
What is the main coverage?
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02
Relative advantages of products
1, core guarantee integrity
The core protection of Health Hongxing is complete, covering minor and serious diseases, death and terminal illness, which can meet the public's protection needs.
2. The critical illness insurance coverage is high.
Health Hongxing will pay for serious illness in multiple groups, with a maximum of 3 times. The maximum amount of compensation can be up to 150% of the insured amount, which exceeds the basic insured amount.
3. The grouping of serious diseases is practical.
The serious illness of healthy Hongxing is divided into five groups, and the serious illness of malignant tumor is a single group, which is more practical. After payment, it will not affect the disease payment of other groups, which improves the probability of multiple payments.
4. Death protection can avoid upside-down premium.
The death protection of Health Hongxing is subject to the greater of the insured amount, premium and current price. If the elderly are insured, the upside-down premium can be avoided.
03
Striking details
1, with high incidence and mild symptoms.
In the common mild cases of healthy Hongxing, cancer in situ and mild cancer can be paid once each, but the lack of kidney disease protection and chronic renal failure disease protection reduces the payout ratio of high incidence and mild diseases.
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2. Mild symptoms have invisible grouping.
Mild illness can be paid for many times without grouping, but there is invisible grouping, that is, after losing disease A, disease B cannot be paid. Details are as follows:
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3. Lack of additional compensation for high incidence and serious illness.
Most similar products will have additional protection for high and critical diseases, but Hong Zhong Jiankang Hongxing has no additional protection for serious diseases, and the protection for high-risk diseases such as cancer, cardiovascular and cerebrovascular diseases is not enough.
04
What kind of company is Hong Zhong Insurance?
Hong Zhong Insurance is the first Sino-foreign joint venture insurance company in China. It is jointly funded by Canadian Manulife Insurance (International) Co., Ltd. and China Sinochem Group Finance Co., Ltd., and has established branches in Shanghai, Guangdong, Beijing, Ningbo, Zhejiang, Jiangsu, Sichuan, Shandong, Fujian, Shenzhen, Chongqing, Liaoning, Tianjin, Xiamen, Hubei, Dalian, Hebei and Hunan with the approval of the regulatory authorities.
As a Sino-foreign joint venture company, Hong Zhong Insurance ranks relatively low in consumer complaints, which shows that it has done a good job in customer service. As described below,
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Product review:
Health Hongxing is an insurance with complete core guarantee function, which has high practicability in grouping serious illness and cancer separately. In addition, death compensation is beneficial to the elderly, but it lacks high incidence and mild symptoms, and there is no additional cancer protection. The special guarantee is not outstanding, and the follow-up can be comprehensively viewed in combination with the payment situation.