Then let's think about what standards a good critical illness insurance should have. Take a closer look below! Especially if you want to buy critical illness insurance.
"Good critical illness insurance is actually like this! So you have been cheated for so many years ... "
1. How about the critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account? Before we begin, let's take a look at the product information diagram of China Life Insurance Ningbo Medical Insurance Account Critical Illness Insurance (version 202 1):
As we can see from the figure, although they are all critical illness insurance, there are still some differences between this kind of critical illness insurance and general critical illness insurance. Is the critical illness insurance of China Life Insurance Ningbo Medical Insurance Account useful? Let's take a look at its advantages and disadvantages!
superiority
1. The medical insurance account can be purchased.
China Life Insurance Ningbo Medical Insurance Account Critical Illness Insurance (version 202 1) is a preferential policy introduced by the Bureau of Human Resources and Social Security and the Insurance Regulatory Bureau. You can buy it with the balance of our usual medical insurance, which is still very cost-effective.
Compared with people who often use the money in medical insurance accounts, people who don't often use it are just like people who don't have this resource. After the release of the critical illness insurance policy for medical insurance account, if you don't know what the balance of medical insurance can be used for, you can use it to insure the critical illness insurance for Ningbo medical insurance account of China Life Insurance (version 202 1), which can not only protect your health, but also bring health protection to your family. Very practical.
2. The insurance age range is wide.
Another advantage is that the critical illness insurance (version 2021) of China Life Insurance Ningbo Medical Insurance Account can still be insured under the age of 80. Many other critical illness insurances on the market hardly have this advantage. Because generally speaking, 60 and 65 are the highest underwriting ages for critical illness insurance. People aged 70 or 80 are not covered by critical illness insurance.
The critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account covers people aged 60 to 80, which is also a welfare for the elderly.
However, it should be noted that the insured is 6 1 -80 years old. The older you get, the greater the risk, so before buying this, you must meet the requirements of non-initial insurance and have submitted an application in the latest insurance period.
disadvantaged
1. Insufficient protection
The critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account requires a one-year insurance coverage period, which is highly directional insurance. Only serious diseases and 28 major diseases are covered, and the basic guarantee of 100% is paid.
Compared with other similar products, its protection is chicken ribs, because of the critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account, let alone the excessive compensation for serious illness and no extra compensation, and mild and moderate diseases cannot rely on its protection.
In case of illness requiring critical illness insurance, the critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account can't really solve the problem, and the amount of compensation can't solve the urgent need.
You can't get much money from this insurance. You can consider other critical illness insurance and learn about some good products on the market:
"The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》
2. Insurance restrictions
In fact, there are quite a few restrictions on the critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account. Only after meeting the post-purchase standards can you buy it.
Whether you are the insured or the insured, you should have medical insurance for urban workers or urban and rural residents in Ningbo, and you have already purchased your commercial insurance before. "Each account should maintain a certain balance over the years" is a necessary condition for shopping by credit card at local business outlets.
As the policy will be adjusted every year, the specific reserved balance of medical insurance personal accounts will also change. If you want more information, please call the local human resources and social security bureau.
To sum up, the purchase requirements of critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account are higher than other commercial insurances.
3. Insurance amount limit
A few unique critical illness insurance, such as China Life Insurance Ningbo Medical Insurance Account Critical illness insurance (version 202 1), have limited coverage, even if they want to buy high coverage.
Friends who have purchased or consulted critical illness insurance know that if a person has a serious illness, the cost of treatment, nursing and family economic losses will generally not be less than several hundred thousand, so the appropriate coverage for purchasing critical illness insurance is generally 300,000 yuan and 500,000 yuan.
The critical illness insurance (202 1 version) of China Life Insurance Ningbo Medical Insurance Account adopts the way of low-cost insurance to resist the economic losses caused by serious illness. Compared with other products, the guarantee is indeed a little small.
If you don't know much about what the coverage of insurance is generally based on, then come and read this article quickly!
"How much insurance is appropriate? Let's look at the method here.
Second, is the critical illness insurance (version 202 1) of China Life Insurance Ningbo Medical Insurance Account suitable for purchase?
On the whole, as a local preferential policy, China Life Insurance Ningbo Medical Insurance Account Critical Illness Insurance (202 1 Edition),
It is also good to buy this critical illness insurance if there is still money in the personal account of everyone's medical insurance.
However, if you want to know more comprehensive and targeted critical illness insurance, then you can choose to take out another commercial critical illness insurance.
Write it at the end
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