Is it expensive for Guohua Huarui's nationals to be seriously ill? Is it reliable?

In fact, seniors have evaluated many critical illness insurance before, and the premium is also very cheap: the top ten critical illness insurance stocks with good prices!

However, this product named "Huarui National True Love Periodic Critical Illness Insurance 202 1" has aroused the curiosity of senior three students. It is said that the premium of this product is as low as 3.82 yuan per month.

After calculation, we can find that it is still relatively cheap, but many people will also worry: the premium is so cheap, is there any routine?

Look down and you will understand!

1. Will Guohua Huarui's national true love be guaranteed by critical illness insurance 202 1?

Following the old example, let's take a look at the coverage of Huarui National True Love Periodic Critical Illness Insurance 202 1:

Looking up at the past, the problem of Huarui National True Love Regular Critical Illness Insurance 202 1 is quite obvious:

1, with a narrow age range

Huarui National True Love Regular Critical Illness Insurance 202 1 Covers the age range from 28 days to 50 years old.

This shows that anyone over 50 can only bid farewell to this product.

The maximum age of many critical illness insurance in the market is 65 years old, and its insurance threshold is much looser than Huarui National True Love Regular Critical Illness Insurance 202 1.

To tell the truth, the setting of this Huarui National True Love Term Critical Illness Insurance 202 1 insurance product in this respect is really unreasonable.

If you or your family can't insure Huarui National True Love Term Critical Illness Insurance 202 1, take a look at these critical illness insurances with a wider age range: the top ten most popular critical illness insurances worth buying!

2. Lack of additional compensation for serious diseases

During the guarantee period, Huarui National True Love can only be insured at a rate of 202 1 in critical illness insurance 100%, and the guarantee strength is really average.

At present, there are countless products that provide additional compensation for critical illness insurance, such as Versailles 1. If you are diagnosed with a serious illness before the age of 60, you can get extra compensation for 80% of the insured amount!

If you buy 500,000 insurance coverage, 80% of 500,000 will reach 400,000!

Everyone knows how to choose such a wide compensation ratio.

If you are interested in payout ratio's critical illness insurance, you might as well learn more about Versailles 1 through this article: I want to tell you these truths before buying Tongfang Versailles 1!

The above two defects have made people lose interest in it, but after further analyzing the terms of Huarui National True Love Periodic Critical Illness Insurance 202 1, Senior Sister found that there is a bigger trap behind this product!

Second, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 Is it worth starting with?

After in-depth exploration, I think Guohua Huarui National True Love Term Critical Illness Insurance 202 1 needs to be improved in these aspects:

1, the waiting period is harsh.

Guohua huarui national true love periodic critical illness insurance 202 1 has made the following provisions. If an accident occurs during the waiting period, the refunded fee only includes the paid premium, and the contract will be terminated.

However, there are many products on the market with relatively loose waiting period terms.

If you suffer from a minor illness during the waiting period, there are still many product regulations. If you are diagnosed with a minor illness during the waiting period, but the responsibility for this minor illness is not covered, other protection will be effective.

Comparatively speaking, this Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 really has no advantage!

2. There is no secondary compensation for malignant tumor.

As we all know, cancer poses a great threat to human survival and health.

The incidence of cancer is extremely high, and its recurrence rate is also very high.

There are many cancer patients who need to fight cancer for life even after radical surgery.

Therefore, I have repeatedly stressed to you that you must purchase critical illness insurance that includes the second compensation for malignant tumor.

This Guohua Huarui National True Love Periodic Critical Illness Insurance 202 1 insurance product does not include this protection, and the protection is very insufficient!

3. The premium is not cheap.

The premium of Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 seems very cheap, but the problem is that it is regular critical illness insurance, which means that you can't get compensation until you are 70 years old at most.

In addition, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 provides mild and moderate illness protection, which are optional, so if you don't choose these two kinds of protection, the premium will naturally be much lower.

But it also means that we have lost many important guarantees invisibly.

When insuring Guohua Huarui National True Love Regular Critical Illness Insurance 202 1, even if only mild illness insurance and moderate illness insurance are selected, the premium is still very high, even higher than other critical illness insurance products!

To sum up, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 is not comprehensive.

Therefore, for friends who plan to buy critical illness insurance, Senior Sister suggested that we should take a macro view of the products, try to choose better critical illness insurance, and don't choose poor critical illness insurance because the price is cheap.

Write it at the end

I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.

I will give you the most professional advice based on years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!