What are the pitfalls of Dehua Gu Kangrui Lifelong 202 1 Critical illness insurance?

Dehua Angu Kangrui's Life 202 1 can be said to be a smash hit on the Internet. I heard that the cost performance is very high, and many friends are asking, is it really that high? Is it really worth buying? Next, let's make a detailed evaluation!

We have sorted out the comparison between Dehua Gu Kangrui whole life insurance 202 1 and popular critical illness insurance. Let's see:

China's popular 136 critical illness insurance comparison table

1. Dehua Angu Kangrui Life 202 1 Safety content is open!

Not much to say, you can look at the guarantee content of Dehua Life Insurance 202 1:

From the guarantee content of Dehua Gukangrui Life Insurance 202 1, we can clearly know that the protection content of this product includes mild to moderate serious illness, as well as cancer in situ and income ability nursing insurance.

Then, if we choose Dehua's life 202 1 as the guarantee, shall we? Let me take you to get to know it ~

1, comprehensive protection for mild, moderate and severe diseases.

Dehua an Gu Kangrui Life Insurance 202 1 includes mild, moderate and severe diseases, and the basic protection is relatively comprehensive.

Among them, mild diseases cover 40 kinds of diseases, and for the insured, they can get compensation for up to 3 times, and each time they can get compensation of 30% of the basic insurance amount;

In case of chronic diseases, 2/kloc-0 diseases are covered, and the payment is 1 time, and 60% of the basic insurance amount is paid each time;

Finally, it is serious and can cover 120 kinds of diseases. It pays at most 100% of the basic insurance amount for three times and is divided into three groups.

Although the basic guarantee content of Dehua Gu Life 202 1 is comprehensive, the guarantee strength is still lacking. Its compensation for China's disease is 60% of the insured amount, and there are many China's diseases in the market that enjoy the extra critical illness insurance.

Therefore, those who are more concerned about basic protection may wish to take a look at these ten critical illness insurance:

"The top ten critical illness insurance inventory is worth buying! 》

2. Income ability nursing insurance.

From the product terms of Gu Dehua Life Insurance 202 1, we can see that if the insured suffers an accidental injury between the effective date and the age of 60, after the waiting period, the insurance company will pay 50% of the basic insurance amount when the injury is not an accidental injury and is diagnosed as an agreed major disease.

To put it bluntly, it is the extra compensation for serious illness repeatedly mentioned by senior sister. It seems that taking care of insurance money is still very thoughtful for the setting of income ability. In fact, it is a simple responsibility to protect the soup without changing the medicine, and there is no high proportion of compensation!

Generally speaking, compared with the first edition of Ruyi Golden Gourd, which was evaluated by my senior sister, you can pay an extra 80% of the insured amount before the age of 60. In contrast, Gu Dehua's protection of health value 202 1 is not so prominent!

3, special care for cancer in situ, intimate setting of insurance money.

If it is found in the stage of cancer in situ, it is not a serious illness, and the treatment plan is not complicated. The most common way is direct resection without chemotherapy, which is the most effective cure, and the cost is not expensive, generally speaking, it is tens of thousands of yuan!

If the insured bought 20,265,438+0 Dehua Gu Kangrui life insurance before being diagnosed with cancer in situ for the first time, the insured can get 20% of the insurance amount, and if he invests 500,000 yuan in insurance, he can get 6,543,800 yuan in compensation.

Treatment of cancer in situ 65438+ ten thousand yuan is enough, this setting is very considerate!

The above is the guarantee content of Gu Dehua Life Insurance 202 1. Don't worry if you want to buy it now. Is Gu Dehua Kangrui Life 202 1 a good product? Why don't you choose after reading the following explanation?

Second, after reading this, I am a little disappointed with the life of Dehua 202 1. ...

Dehua an Gu Kangrui Life Insurance 202 1 is a multiple payment critical illness insurance. There are only three groups to choose from for disease compensation, and the maximum number of compensation is 3 times, and each disease is only paid once!

From this, it can be seen that once the critical illness grouping of multiple compensation type critical illness insurance is unreasonable, from the perspective of the insured, the proportion of compensation will be reduced.

Dehua Huaan Gu Yisheng 202 1 Is it reasonable to group serious diseases? The content of this product is summary and excerpt. Please read:

According to the classification of major diseases of Gu Dehua Kangrui 202 1, malignant tumor is not a separate category in this product.

Malignant tumor is a major disease with high incidence, accounting for 60% to 80%. However, Gu of Dehua classified malignant tumor with other diseases in his life of 20021. Does this reduce other diseases in payout ratio?

Only the unreasonable critical illness insurance group in Dehua Gu Kangrui whole life insurance (202 1) can't beat other similar critical illness insurance in the market!

As time is short, if you want to know more about the 202 1 Dehua life critical illness grouping, please click here:

Why do so many people buy The Life of Kangrui 202 1? 》

Third, the summary of the senior sister

Generally speaking, the cost performance ratio of Dehua Gu Kangrui Lifelong 202 1 is a little low, and the basic guarantee is relatively comprehensive, but the grouping of critical illness insurance is unreasonable and not worth buying.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.

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.

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