Since the introduction of the new regulations on critical illness insurance, the whole critical illness insurance market is still very active, and major insurance companies have launched their own new products.
Recently, People's Insurance Company of China launched Guangdong-Hong Kong-Macao Greater Bay Area Yuecai Carefree Critical Illness Insurance. Just listening to the name is different, and it is said that the protection is very comprehensive!
Many friends are curious about this product, and I have learned about it many times in Zhihu and WeChat official accounts. Do you want to know if this product is cost-effective?
To tell the truth, this product is not so excellent, there are many tricky places, I want to know the truth and look down! Anxious friends can read this article directly: What happened to PICC Life in Guangdong-Hong Kong-Macao Greater Bay Area and Guangdong?
The point of this article is
1. Does Guangdong enjoy the content of worry-free critical illness insurance?
2. Is it a pity that Guangdong does not buy worry-free critical illness insurance?
1. Does Guangdong enjoy the content of worry-free critical illness insurance?
Analysis of this Guangdong worry-free critical illness insurance, first look at the protection form map:
If you want to know what characteristics an excellent critical illness insurance needs, please read this article first: What are the good critical illness insurance, how to buy it with high cost performance, and teach you how to avoid these pits of insurance.
As can be seen from the above table, Guangdong can enjoy worry-free serious illness insurance for life, providing various kinds of protection such as serious illness protection and minor illness protection, which feels really good ~
Now let's take a look at the advantages and disadvantages of this product:
Guangdong enjoys the advantages of carefree critical illness insurance.
1. Critical illness protection has bright spots.
At present, many critical illness insurances on the market are very good in terms of extra compensation. Guangdong enjoys worry-free critical illness insurance, and of course, the protection of extra compensation for critical illness is also excellent: if you suffer from serious illness within the insurance period of 10, you can get 50% extra compensation.
If Lao Wang is 30 years old this year, he has bought this critical illness insurance with a coverage of 500,000. When he is 38 years old, he will get 750 thousand compensation, enough to pay for treatment and solve many problems caused by serious illness!
However, the seniors found this obvious advantage, and other conditions were unremarkable. Senior sister also found that Guangdong enjoys carefree and critical illness insurance, which is a lot of tricks. Let's take a look together ~
This is the disadvantage of Guangdong carefree critical illness insurance.
1.？ Lack of traditional Chinese medicine protection
Guangdong enjoys the basic protection of worry-free, only severe and mild diseases, but lacks the protection of Chinese medicine!
Nowadays, covering light, moderate and severe diseases has become the standard of a good critical illness insurance. The definition of serious illness is stricter than that of medium illness, and the threshold for claims is higher. With the protection of TCM diseases, the scope of claims can be expanded and practical and comprehensive protection can be obtained.
Can Guangdong be considered as an excellent critical illness insurance without comprehensive basic insurance?
2.？ The extra compensation time for serious illness is not long.
Guangdong enjoys worry-free serious illness insurance, which includes extra liability and 50% extra compensation in the early stage of serious illness, but there is a time limit for extra compensation for serious illness.
Take Lao Wang for example. If Wang Mai, a 30-year-old man, bought this product and was in good health in the first 10 year of the insurance policy, the extra compensation will expire after he is 40 years old. But at this time, Lao Wang's family responsibilities have not been reduced much. Once he is ill, his family will easily fall into economic crisis.
For some critical illness insurance with good cost performance in the market, most of the extra payments can be guaranteed until the age of 60, and there can be a full guarantee in the golden years, which is more beneficial than harmful to the insured.
3. The choice of guarantee period is narrow.
Lifelong guarantee is the only guarantee period provided by Guangdong to enjoy worry-free, and other regular guarantees have no choice. Although senior sister thinks it is best to buy lifelong critical illness insurance, the premium of lifelong critical illness insurance is not affordable for everyone!
Many critical illness insurances in the market have fixed-term and life-long options, and the insured has the right to make choices and arrangements according to the actual situation. In contrast, friends who enjoy carefree budgets in Guangdong are not so good ~
Second, is Guangdong worry-free critical illness insurance worth buying?
With the above introduction, I believe that all friends have a good understanding of Guangdong carefree critical illness insurance ~
Generally speaking, the defects of Guangdong carefree critical illness insurance are too bad. Although there are many compensation options for critical illness insurance, the protection provided is very limited. It is not surprising that there is no mainstream protection. ......
There is never a shortage of excellent critical illness insurance products in the market, and you don't have to be obsessed with this one. This list of goods compiled by senior sister is even more popular, and there must be something you like: super complete! 202 1 The most valuable critical illness insurance is actually these ten models!
Write it at the end
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