As there are many insurance-related words, I suggest you learn some basic insurance knowledge to help you understand the following:
Before buying insurance, you must first understand these key knowledge points! 》
1. Is harmony, health, happiness and serious illness insurance good?
As before, let's take a look at the protection map and get familiar with the product form:
As can be seen from the picture, the protection of harmony, health, happiness and critical illness insurance is still excellent, and it is really not easy for senior sister to make this picture.
Next, I will choose a few key points to analyze the guarantee of this product.
1. Basic guarantee
The basic protection of harmonious, healthy and joyful critical illness insurance is relatively complete, including critical illness insurance, moderate illness insurance, mild illness insurance, specific disease care insurance, and exemption of the insured.
For 123 major diseases covered by the harmonious health and joy critical illness insurance, only 1 time will be paid. If you go out of danger before 6 1 year-old, you can get 80% of the basic insurance amount as additional compensation. If you are out of danger before the age of 6 1-64, you will only get 650% of the basic insurance coverage.
Harmony, health, joy and serious illness insurance can pay for 25 kinds of China diseases and 50 kinds of mild diseases for many times. You can apply for claims for China diseases for up to 2 times, and for mild diseases for up to 4 times. Basically, moderate diseases can pay 60% of the basic insurance coverage, and mild diseases can pay 30% of the basic insurance coverage. Under the age of 6 1 year, due to the diagnosis of moderate or mild diseases, you can get the additional compensation of 15% of the basic insurance amount for the first time.
Excluding the protection of serious illness, moderate illness and mild illness, the basic protection of harmonious, healthy and happy serious illness insurance is also guaranteed by specific disease care insurance money and the insured's premium exemption liability.
In a word, the basic guarantee of harmonious, healthy and happy critical illness insurance is comprehensive and has excellent compensation strength. It is still very friendly in terms of family economy to provide additional compensation for mild, moderate and severe diseases in the stage of high economic pressure before 6 1 year old.
2. Optional guarantee
The optional responsibilities of harmonious, healthy and joyful critical illness insurance include multiple payments for malignant tumors, deferred insurance for specific cardiovascular and cerebrovascular diseases, and death or total disability protection.
It is still necessary to add that the two optional responsibilities of multiple payment of insurance benefits for malignant tumors and deferred payment of insurance benefits for specific cardiovascular and cerebrovascular diseases can only be selected at the same time or not.
From the perspective of people with a family history of malignant tumors or cardiovascular and cerebrovascular diseases, these two optional responsibilities are very humanized. However, for ordinary people with no family history and good health, adding two optional responsibilities at the same time will lead to excessive premium pressure, which is not good for friends with insufficient budget.
So is there anything to pay attention to in this product? Is it worth buying? Senior sister reveals harmony, health, happiness and critical illness insurance for you, so that you can buy the right insurance without detours;
"Harmony, health, happiness, and critical illness insurance made a stunning appearance? You must pay attention to these details! 》
Second, is harmony, health, happiness and serious illness insurance worth buying?
In a word, harmonious, healthy and happy critical illness insurance is comprehensive, but the comprehensive cost performance is not very high. In general, it is not recommended that you configure. It's not too late for friends to make an insurance decision after comparing the products with more comprehensive protection and higher cost performance on the market!
Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!