What are the pitfalls of Gu Xiaoshun's specific disease insurance in Dehua?

Dehua Valley Xiaoshunbao specific disease insurance is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is the cost performance of specific disease insurance in Dehua Valley Xiaoshunbao really that high? Is it really worth buying?

Today, senior sister will take a look at Dehua Gu Xiaoshun's specific illness insurance with everyone to see if it is really that good. Click the link below to learn the true face of Dehua Gu Xiaoshunbao's specific disease insurance:

Is it appropriate to buy Dehua valley filial piety insurance for parents for specific diseases? Look before you buy it! 》

1. What is the guarantee?

Not much to say, let's take a look at the protection map of Dehua Gu Xiaoshun's specific disease insurance:

As can be seen from the figure, the specific disease insurance of Dehua Gu Xiaoshun now has a guarantee period of five years. In short, it can be regarded as short-term specific disease insurance, and even the payment period is five years.

The consumer groups of this specific disease insurance are also very clear, only targeting the elderly aged 50-75.

Its guarantee responsibilities include specific mild rehabilitation nursing insurance, specific severe insurance, death or total disability insurance.

Let's give you a detailed analysis!

1, rehabilitation care insurance for specific mild diseases,

Gu Xiaoshun's specific illness insurance in Dehua includes specific mild rehabilitation nursing insurance for six specific mild diseases.

At present, these six specific mild symptoms are:

Sequela of cerebral apoplexy, primary Parkinson's disease, Alzheimer's disease, chronic respiratory failure, congestive heart failure, first hip replacement.

Moreover, there are several mild diseases with high incidence, and the protection is still targeted.

At present, during the guarantee period, if the specific mild illness agreed in the contract is unfortunately diagnosed for the first time, and the rehabilitation nursing institution provides reasonable and necessary rehabilitation nursing, the insurance company will pay the rehabilitation nursing insurance premium for the specific mild illness according to 100% of the actual expenses that meet the requirements.

Be careful, however, that there is a limit of 12000 yuan if rehabilitation nursing is carried out in a designated rehabilitation nursing institution.

However, if it is not a designated rehabilitation nursing institution, the limit will be reduced to 6000 yuan.

Therefore, it is better for everyone to try to go to designated institutions for rehabilitation care. The list of specific institutions shall be subject to the announcement of the insurance company official website.

2. In terms of specific critical illness insurance benefits,

Gu Xiaoshun's specific illness insurance in Dehua provides nine kinds of critical illness protection, including:

Severe stroke sequelae, severe Alzheimer's disease, severe primary Parkinson's disease, severe idiopathic pulmonary hypertension, severe chronic respiratory failure, severe cor pulmonale, severe cardiomyopathy, severe heart failure CRT cardiac resynchronization therapy, and secondary hip replacement surgery.

If you are unfortunately seriously ill for the first time during the guarantee period, you can pay 100% of the basic insurance amount.

It can be known that most of these nine serious diseases are also major diseases with high incidence.

Therefore, this kind of specific disease insurance can really alleviate the economic risks brought by some high-incidence and serious diseases.

If the serious illness you want to protect happens to be in it, then this specific illness insurance is suitable for starting.

Naturally, if you want to strengthen the protection of malignant tumors with the highest incidence, you must know other specific disease insurance or cancer prevention insurance.

If the conditions are right, it is naturally the best to buy critical illness insurance. Some critical illness insurance also has multiple compensation guarantees for malignant tumors. For example, Versailles plus critical illness insurance on the market has this optional protection. If you are interested, you can have a look:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

3. As far as death or total disability insurance is concerned,

Some specific disease insurance in the market only provides disease protection, and there is no corresponding disease insurance regardless of death or total disability. You can't get the insurance money.

However, it is still worthy of recognition that Dehua Gu Xiaoshun's specific illness insurance has set up death or total disability protection ~

In case of unfortunate death or total disability during the protection period, in this case, the insurance company will pay compensation according to the maximum value of the premium paid and the cash value.

Therefore, if you want specific disease insurance to support this kind of protection, Dehua Gu Xiaoshun can also meet the insurance requirements.

2. Is the insurance value of specific diseases of Gu Xiaoshun in Dehua an worth buying?

On the whole, Gu Xiaoshun's specific illness insurance in Dehua is relatively cost-effective, including rehabilitation insurance for specific mild diseases, insurance for specific serious diseases, insurance for death or total disability, and the contents of insurance are also relatively diverse. Moreover, in addition to providing disease protection, it also provides death or total disability protection, and the scope of protection is relatively wide.

Therefore, if this product meets the protection needs of the insured, it is still quite worth buying.

If you want to see other insurance suitable for the elderly, you can also look at:

Ten types of insurance stocks that are super suitable for providing for the aged.

Write it at the end

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