The following sister will give you an in-depth evaluation!
Before entering the text, senior, let's take a look at this pit avoidance guide for purchasing critical illness insurance:
"Buy insurance to polish your eyes, buy critical illness insurance need to pay attention to these! 》
1. Dehua's sugar insurance coverage for specific diseases (section B) is defective!
As usual, let me first introduce the essence of Dehua sugar protection insurance for specific diseases (section B):
The product map of Dehua's special disease Gutang Insurance (B) reflects some information. This product provides a relatively single guarantee responsibility, and specific disease insurance, death insurance and serious diabetes complications insurance all belong to its guarantee content.
1, revealing the insurance benefits of specific diseases.
Dehua Gutang Insurance (Section B) provides specific disease insurance benefits for consumers, covering 65,438+005 diseases. If the insured suffers from any of these 105 diseases and can meet the claim requirements, he can pay 100% of the basic insurance amount.
If Xiao Li has purchased Dehua Special Disease Insurance (Type B) with a coverage of 500,000, once a specific disease is diagnosed, he can get a compensation of 500,000 yuan.
However, careful friends still see that there is no additional compensation guarantee for this guarantee responsibility. Compared with some similar products on the market that can pay extra 80% and extra 100%, Dehua's special disease insurance (model B) has no advantage.
2. Reveal the insurance premium of severe diabetes complicated with diseases.
As long as diabetes has two serious complications: amputation and end-stage renal disease, these two diseases can be said to be very serious.
Just like amputation, this is because diabetes will lead to arterial embolism and vascular endothelial thickening of patients' lower limbs, which will lead to insufficient blood supply to patients' feet. About 85% diabetic patients have foot ulcers before amputation.
Among them, 50%-70% of diabetic patients have gangrene during amputation, and the proportion of infected people reaches 20%-50%. If amputated, it is difficult for patients to live for five to seven years.
However, during the waiting period to the insured's 7-year-old age, if the insured is diagnosed with serious diabetic complications listed in the contract for the first time, the amount of compensation available is 30% of the basic insurance amount.
I have to admit, this compensation is really unsatisfactory!
Some friends want to pay more attention to the evaluation results of Dehua sugar insurance specific disease insurance (type B). Click the link below:
Is Dehua's sugar protection insurance (type B) for specific diseases worth buying? I advise you to be careful! 》
2. Can I buy Dehua's special disease insurance (section B)?
Dehua specific disease insurance (section B) is a specific disease insurance, and the age range suitable for insurance is 20-60 years old.
The guarantee period and payment period of this product are agreed with the insurance company, as long as they are agreed with the insurance company when insured.
It is worth mentioning that the waiting period of Dehua Goose Sugar Insurance (Type B) is 180 days. Compared with the products with a waiting period of 90 days on the market, Dehua Goose Sugar Insurance (Type B) is slightly inferior.
After all, the shorter the insurance waiting period, the better for the insured. If there is an accident during the waiting period, the insurance company will not pay for it.
On the whole, Dehua's special disease insurance (type B) is still very average in cost performance, and the protection is relatively thin, so it is not worth buying.
At the end of the article, Senior Sister presents products that diabetics can insure. Don't miss:
The list of products that can be insured for diabetes is freshly released. Don't miss it when passing by! 》
Write it at the end
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