How about Harmony Fulebao 1? Is it worth buying?

Harmony Fulebao 1 is a single-payment critical illness insurance product launched by Harmony Health Insurance. The proportion of mild and mild diseases is relatively high, and there are many optional guarantees, which are flexible and can meet the diversified needs of consumers.

How about Harmony Fulebao 1 From the advertising language of this product, we can know that its guarantee is still good, but what is the actual situation? Dad thinks it's still necessary to analyze and understand its guarantee content before he can draw a conclusion.

In order to let everyone know the guarantee content of this product more intuitively, dad specially made a basic information table for everyone to read directly.

1. Insurance principle

Insurance age: the insurance age range is 0-55 years old, which is not particularly wide, but it can also cover a large part of the population.

Guarantee period: the guarantee period can be extended to 70/80 years old or life, and the insurance is relatively flexible.

Maximum payment period: The maximum payment period of this product is 30 years. Compared with the payment period of 10 and 20 years, the payment period of 30 years can greatly reduce the economic pressure of consumers.

Waiting period: The waiting period is 90 days, which is similar to most critical illness insurance products on the market.

2. Basic guarantee content

Critical illness protection: 105 all critical illnesses are guaranteed. If the insured suffers from serious illness as agreed in the contract before 6 1 one year old, he shall pay 170% of the basic insurance amount, otherwise he shall pay 100% of the basic insurance amount.

Chinese medicine guarantee: guarantee 20 kinds of Chinese medicines, and pay 60% of the basic insurance amount each time without grouping twice (without interval).

Mild illness insurance: 50 kinds of mild illness insurance, 3 times without group payment (no interval), each time paying 45% of the basic insurance amount.

3. Other guarantees

Exemption of the insured: during the insurance period, if the insured suffers from serious/light/moderate diseases as agreed in the contract, the insurance company will exempt him from the subsequent premium, and the policy is still valid.

4. Optional responsibilities

Extra insurance premium for specific major diseases:

1) Three years after the initial diagnosis of malignant tumor, recurrence, metastasis or persistence will be diagnosed again, and 120% of the basic guarantee will be paid.

2) After the initial diagnosis of malignant tumors 180 days, different types of new malignant tumors are diagnosed again, and the basic guarantee 120% is paid.

3) Basic guarantee of paying 120% for the first diagnosis of malignant tumor after the first diagnosis of serious illness 180 days.

4) Three years after the first diagnosis of specific cardiovascular and cerebrovascular diseases (acute myocardial infarction, coronary artery bypass grafting), the same disease will be diagnosed again, and the basic guarantee of 120% will be paid.

5) After the first diagnosis of major diseases except cardiovascular and cerebrovascular diseases 180 days, the first diagnosis of malignant tumor or specific cardiovascular and cerebrovascular diseases (acute myocardial infarction, coronary artery bypass grafting) will be paid 120 basic guarantee.

Death: the insured died during the insurance period and was under the age of 18, and paid the premium; At the age of 18, pay 100% of the basic insurance amount.

The above is the guarantee content of this product, from which we can know that its compensation ratio is still relatively high. In view of the serious illness signed before 6 1 year-old, you can pay an additional 70% of the basic insurance amount, which is still friendly to the insured.

And the protection is more comprehensive. In addition to serious illness, mild illness and moderate illness, the insured is exempted from the responsibility of protection, and can also choose additional compensation for specific diseases and the responsibility of death protection. It is a good critical illness insurance.