Recently, the People's Insurance Company of China launched Guangdong-Hong Kong-Macao Greater Bay Area Yuehai carefree critical illness insurance with great momentum. Just listening to the name makes you feel different, and it is said that the protection is very thoughtful!
Many friends are curious about this product, and they are crazy in Zhihu and WeChat official accounts. Do you want to know if this product is cost-effective?
But to be honest, this product is not as good as you think. You think good things are hidden. The truth is below. Just look at you! Anxious friends can read this article directly: What happened to PICC Life in Guangdong-Hong Kong-Macao Greater Bay Area and Guangdong?
The point of this article is
1. Is the content of Guangdong carefree critical illness insurance really that powerful?
2. Will Guangdong lose money if it doesn't start with worry-free critical illness insurance?
1. Does Guangdong enjoy the content of worry-free critical illness insurance?
Analysis of this Guangdong worry-free critical illness insurance, first look at the protection form map:
The above table shows that Guangdong worry-free critical illness insurance includes critical illness insurance, minor illness insurance and other types of insurance, and can be guaranteed for life. It seems that the insurance is quite excellent ~
Let's take a look at the advantages and disadvantages of this product:
Highlights of Guangdong worry-free critical illness insurance
1. Excellent major illness protection
At present, many critical illness insurance on the market have higher additional compensation for critical illness insurance. Guangdong enjoys worry-free critical illness insurance, and of course it is also striving for the upper reaches. The guarantee of extra compensation for serious illness is excellent: if you suffer from serious illness in the first year 10, you can pay an extra 50% of the basic insurance coverage.
If Lao Wang is 30 years old, bought this critical illness insurance with a coverage of 500,000, and got a serious illness as agreed in the contract at the age of 39, then in the end, Lao Wang Neng got 750,000 compensation, and the treatment fee can be paid in time, and the remaining money can also solve other problems caused by serious illness!
Guangdong enjoys worry-free critical illness insurance, which actually has this defect.
1. Intermediate diseases are not guaranteed.
Guangdong enjoys basic security, including serious illness protection and minor illness protection, but it lacks China people's disease protection!
After all, an excellent critical illness insurance standard must have moderate and mild disease protection. Compared with serious illness, the first case of middle illness is more relaxed and the threshold for claims is lower. The inclusion of medium illness in critical illness insurance can provide more comprehensive protection, enlarge the scope of claims and get more comprehensive protection.
Guangdong enjoys peace of mind, and even the basic guarantee is short of two pounds. Is this qualified?
2.？ Time limit for additional compensation for serious illness
Guangdong enjoys worry-free critical illness insurance, although it includes the early extra responsibility of critical illness, and it is an extra proportion of 50%, but it can only be enjoyed 10 years before the policy.
Take Lao Wang for example. If 30-year-old Wang Mai buys this product and has been healthy for 10 years in the first year of the policy, Lao Wang will miss the extra compensation when he is 40 years old. However, Lao Wang's family responsibilities are still very heavy at this time. Once he falls ill, the whole family will fall into economic crisis.
Compared with some good critical illness insurance on the market, most of them can provide protection before the insured is 60 years old, so it is more beneficial for the insured to stay in the golden age of life.
3. Limited choice of guarantee period
Lifelong guarantee is the only guarantee period for Guangdong to enjoy worry-free, and other options are zero. Although it is a good practice to buy lifelong critical illness insurance, the premium of lifelong critical illness insurance is very expensive.
There are quite a number of critical illness insurance products in the market that provide two choices: regular and lifetime protection, and consumers can choose according to their actual situation. In contrast, being carefree in Guangdong may be unfriendly to friends with limited budget ~
If you want to know which is better, life-long or term, you should grasp this guide: which is better, term critical illness insurance or life-long critical illness insurance?
Second, Guangdong enjoys worry-free critical illness insurance, and loses money if it doesn't start?
Through the above analysis, I believe that all friends have a certain understanding of Guangdong carefree critical illness insurance ~
On the whole, there are many ways for Guangdong to enjoy worry-free critical illness insurance. Although insurance companies have designed a lot of additional compensation protection for serious illness, the basic protection is not comprehensive enough and there is still a lack of mainstream protection, which is really disappointing. ......
The high-quality and low-priced critical illness insurance products on the market are also on the line. You don't have to worry about not buying a better product. Let's take a look at these products compiled by Senior Sister. There is always one for you: the new definition of critical illness insurance is big pk, and the good product is actually this 10 model!
Write it at the end
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