What are the advantages of He Zhongbei's happiness and critical illness insurance?

The advantages of He Zhongbei's happiness and critical illness insurance are as follows: the advantage is 1, which covers cancer in situ; Advantage two, the disease grouping is reasonable.

The following is a detailed introduction to He Zhongbai's critical illness insurance, and the advantages of He Zhongbai's critical illness insurance.

Senior first put the product protection chart of He Zhongbai's life-long critical illness insurance for everyone to see what it looks like:

In the above picture, we can know that the insurance age of He Zhongbai's happiness and serious illness insurance is from 28 days to 65 years old. Its insurance period waiting time is only 90 days, which is a relatively short category among other critical illness insurance products.

In terms of insurance liability, He Zhongbai's happiness and serious illness insurance also covers the protection of mild, moderate and serious diseases. When a serious illness is diagnosed for the first time and meets the contract conditions, you can not only get an additional 100% insured special care fund for serious illness. In addition, He Zhongbei Jia's basic insurance liability for Happy critical illness insurance also includes the exemption of the insured and death/disability protection.

To sum up, He Zhongbai's happiness and critical illness insurance is still excellent, with loose insurance conditions and complete protection. You can look at this dry goods sorted by senior sister first, and you will know that there are still some shortcomings in this product: "An excellent critical illness insurance should have these conditions! 》

He Zhongbei and Happy critical illness insurance have these advantages and disadvantages:

First, the advantages of He Zhongbei's happiness and critical illness insurance

1, carcinoma in situ covered.

One of the highlights of He Zhongbei's happiness and critical illness insurance is to include "cancer in situ" in the scope of mild illness protection.

Cancer in situ has been included in the "top ten risk factors" of insurance company claims reports all the year round. To tell the truth, that is to say, the prevalence of cancer in situ is very high.

However, "cancer in situ" has been excluded from the coverage of "malignant tumor-mild" in the new critical illness insurance regulations, so many insurance companies no longer cover "cancer in situ" in order to comply with the new critical illness insurance regulations. After comparison, it is found that the minor illness protection of He Zhongbei's happiness and critical illness insurance is still relatively excellent.

2. The disease grouping is reasonable.

In terms of critical illness protection, He Zhongbai plus Happiness Critical Illness Insurance divides 100 major illness into 6 groups, and each group has only one chance to claim compensation.

Many friends have misgivings about purchasing grouped critical illness insurance, fearing that they will lose a lot, but this needs to be seen according to the specific grouping of products. "Is there a trap in the critical illness insurance that has been paid many times? Look if you don't want to step on the pit! 》

Six diseases, such as malignant tumor, acute myocardial infarction, end-stage renal disease, coronary artery bypass grafting, stroke sequelae and major organ transplantation, have accounted for about 80% of serious diseases. Therefore, excellent critical illness insurance will not put these six diseases together as much as possible, thus increasing the protection for the insured.

As we can see from the figure below, He Zhongbei Jia Happiness Critical Care Insurance divides these six diseases into four groups, and this group is an excellent critical care group.

Seeing this, do you think He Zhongbai's happiness and critical illness insurance is a critical illness insurance worth starting? Don't worry, continue to look at the following shortcomings.

Second, He Zhongbei's lack of happiness and critical illness insurance

1, the waiting period clause is strict.

The waiting period is also called the observation period of the insurance company. If you are in danger for reasons other than accidental injury during this period, the insurance company does not need to compensate the insurance money, so the waiting period should not be too long, and it is better to choose a shorter one.

Although he zhongbeijia's waiting period for critical illness insurance is not long, only 90 days, in fact, its regulations on waiting period are relatively harsh compared with other critical illness insurance. As shown in the following figure, no matter what kind of mild or moderate illness the insured is diagnosed during the waiting period, the insurance company will refund the premium and terminate the contract.

For more humanized critical illness insurance products, such a situation often occurs. If mild and moderate diseases are diagnosed during the waiting period, the corresponding mild and moderate disease protection will be terminated, but other protection will remain unchanged.

2. There is no second payment guarantee for high recurrence diseases.

Although, whether it is a single payment type of critical illness insurance or a multiple payment type of critical illness insurance, there is only one chance to pay for the same disease. As long as you observe more, you will find that many critical illness insurance products have secondary compensation for diseases with high recurrence rate such as "severe malignant tumor" and "cardiovascular and cerebrovascular diseases".

However, critical illness insurance of He Zhongbei Jia does not provide such protection. This means that if the insured relapses twice in the later period, he can only raise funds for treatment by himself.

If you pay more attention to the protection of malignant tumors, senior sister suggests looking at other critical illness insurance products: "The newly defined critical illness insurance pk is actually the ten most worth buying! 》

Summary:

It must be said that the coverage of He Zhongbai's happiness and critical illness insurance is still very wide, but its price is much more expensive than other products. Even the 45-year-old male began to see the phenomenon of upside-down premium. Moreover, in terms of waiting period, United Bega's happiness and critical illness insurance is not dominant. If you are in average health, you should be cautious when buying this product.

In terms of the content of protection, He Zhongbei's happiness and critical illness insurance is generally good, which guarantees the median disease and cancer in situ, and the grouping of critical illness is reasonable. The biggest deficiency is that there is no secondary compensation guarantee for high recurrence and serious illness. Generally speaking, He Zhongbai's happiness and critical illness insurance is a critical illness insurance worthy of consideration by healthy young people.

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