What are the advantages and disadvantages of Ankang Wuyou critical illness insurance? What are the guaranteed contents?

Ankang Wuyou is a short-term critical illness insurance. It is said that the premium of this product is very cheap, only costing more than 100 yuan. So how about its protection? Senior sister, let’s analyze it in detail.

What are the requirements for an excellent critical illness insurance? You will know after reading the following:

"This is what good critical illness insurance looks like!" You have been deceived for so many years..."

1. Revealing the protection content of PICC Ankangwuyou!

Without further ado, let’s first take a look at the highlights of the PICC Property and Casualty Insurance’s Ankang Wuyouyou insurance:

As can be seen from the picture above, this PICC Property and Casualty Insurance Company’s Ankang Wuyouyou insurance It has arranged for the people of Suzhou 28 major diseases and 3 minor diseases that must be covered in the newly defined critical illness insurance. High-incidence diseases are fully covered, which is simply a contribution to the serious illness protection of the people of Suzhou!

Next, let’s evaluate the content of PICC Financial Security Protection:

1. The basic protection content is not comprehensive

From As can be seen from the protection highlights of PICC Ankang Wuyou, the protection content of this critical illness insurance is not comprehensive.

It should be noted that after the first critical illness insurance product with built-in moderate illness protection was launched in 2017, more and more critical illness insurance products with built-in moderate illness protection have appeared in major insurance companies. On the insurance company.

The moderate disease corresponding to a major disease is a moderate disease, which means that the severity of the disease and the compensation ratio are between mild diseases and major diseases.

So, as of now, the standard configuration of critical illness insurance on the market is still "mild illness + moderate illness + severe illness", and moderate illness is equipped with a 60% compensation ratio.

However, the shortcomings of PICC Ankang Wuyou are also very prominent. It does not provide protection for moderate illnesses, which makes most people disappointed!

However, fortunately, there are still many products on the market with comprehensive protection content. The senior sister has compiled them in the list below. For details, you can click:

"A comprehensive review of the top ten popular critical illness insurances worth buying!" 》

2. Mild and severe illness protection is small

The protection content of PICC Property and Casualty Ankang Wuyou only covers minor illness and critical illness.

Among them, the critical illness protection covers 28 major diseases stipulated by the China Banking and Insurance Regulatory Commission, such as severe malignant tumors and severe acute myocardial infarction. Once the disease occurs, you can receive up to 100,000 yuan in compensation.

I believe everyone must understand that if you get a serious illness, you will spend a lot of money. For example, the cost of treatment and rehabilitation can be as high as 500,000 yuan. The cost of treatment alone , at least 300,000 yuan has been spent.

The critical illness insurance amount of each critical illness insurance is different, but the critical illness insurance amount of Ankang Wuyou of PICC Property and Casualty Insurance is only 100,000 yuan, which is obviously not enough. If you want to choose Ankang If worry-free critical illness insurance is used as permanent protection, you need to consider it carefully, because it is not suitable!

In addition, three types of minor diseases are protected, which plays a role to a certain extent. For example, malignant tumors - mild, mild acute myocardial infarction, and mild stroke sequelae are all covered. .

The early stages of serious diseases or the milder diseases can be described as mild diseases. If you can pay more attention and observe more, and treat it as soon as you find something wrong, you will not develop into a serious disease in the end. The cost of treatment is estimated to be between a few thousand to tens of thousands of dollars.

The PICC Property and Casualty Insurance Company Ankang Wuyou can compensate up to 30,000 yuan for minor illnesses, which is reasonable!

The review is here. If you are interested in PICC Property & Casualty Insurance Ankang Wuyou, this comprehensive review article should be collected quickly:

"PICC Property & Casualty Insurance Ankang Wuyou Serious Illness" Is it worth buying insurance? I advise you to be careful! 》

The above is the main content of my protection analysis of PICC Ankang Wuyou. This critical illness insurance only covers one year. Is it worth buying? Below, I will list some suggestions and hope you will adopt them!

2. PICC Ankang Wuyou only provides coverage for one year. Is it really worth buying?

PICC Property & Casualty has a short-term critical illness insurance, PICC Property & Casualty Ankang Wuyou, with a coverage period of only one year.

If you want to renew the policy after the one-year guarantee period, the insurance company must conduct another review.

If the insured unfortunately suffers from a serious illness during the protection period, or has already made a claim, in this case, it may not be possible to renew the PICC Property and Casualty Insurance.

Therefore, PICC Ankang Wuyou cannot promise 100% renewal of insurance.

Although the coverage period of PICC Ankang Wuyou is a bit short, the price is very cheap. If a 30-year-old man insures this PICC Property and Casualty Insurance, the annual cost is 134 yuan.

Looking at the various protection contents of PICC Ankang Wuyou, the price is actually not expensive.

3. Senior Sister’s Summary

In general, PICC Ankang Wuyou can be said to be a critical illness insurance that is very suitable for people in Suzhou to buy, and is suitable for people with limited budgets. There are certain advantages, but in the long run, once the coverage period of PICC Ankang Wuyou is up, it may not be renewed due to health or other reasons.

If you are young and in good health, it is recommended that you purchase long-term critical illness insurance. In addition, I also need to remind everyone that PICC Property and Casualty Insurance can only be insured by the people of Suzhou~

Write it at the end

I am a top student when it comes to insurance, focusing on objectivity, Professional and neutral insurance evaluation;

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

I will use my experience as a guide for many years. 10W+ experience in home insurance configuration, giving you the most professional advice.

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