Taking this opportunity, Xuejie will make a comprehensive evaluation of this product and take everyone to find out.
If a friend wants to see more angle analysis, he might as well poke another evaluation:
"Buy HSBC Huiyuan Kangning critical illness insurance, ok? An analysis! 》
1. What are the advantages and disadvantages of HSBC Huiyuan Kangning critical illness insurance?
As usual, let's take a look at the product form of HSBC Huiyuan Kangning's critical illness insurance compiled by Senior Sister Staying Up Late:
As shown in the figure, in the setting of insurance rules, the insurance age range of HSBC Huiyuan Kangning's critical illness insurance is set to 30 days to 60 years after birth, and life-long protection is set, and the waiting period is only 90 days.
In terms of coverage, HSBC Huiyuan Kangning's critical illness insurance provides serious illness, mild illness and other protection (including extra compensation for serious illness, extra compensation for malignant tumor, death/disability insurance and exemption of the insured).
After introducing this product, let's take a good look at its advantages and disadvantages.
Advantages: short waiting period.
During the waiting time, although the insured has an insurance accident agreed in the contract and meets the claim conditions, the insurance company also has the right not to bear the responsibility of paying insurance benefits, except for accidents.
This is equivalent to the waiting period, which is directly related to when the insured begins to enjoy protection.
According to the terms of HSBC Huiyuan Kangning's critical illness insurance, the waiting period is only 90 days.
You may think this waiting period is very long, but in fact, the critical illness insurance products on the market usually include a waiting period in the contract, either 90 days or 180 days.
Therefore, HSBC Huiyuan Kangning's critical illness insurance is very considerate during the waiting period.
Disadvantages:
1, extra compensation for serious illness
HSBC Huiyuan Kangning's critical illness insurance considers the extra compensation for critical illness protection at a specific age. If the insured suffers from the serious illness guaranteed by the contract for the first time before the first policy anniversary after the age of 50, he can not only get 100% of the serious illness insurance amount, but also get an additional 30% of the protection.
I have to say that this kind of payment is not prominent in the critical illness insurance market. After all, better products of the same type can be made more in place.
Just like Versailles plus, except for the first illness before the age of 60, you can get an extra 80% coverage. If you suffer from a serious illness for the first time between the ages of 60 and 64, you will also pay extra compensation to compensate the insured for 30% of the insured.
Compared with the two, Versailles plus can obviously reduce the economic burden caused by serious illness.
If you are interested in Versailles plus, you can poke this evaluation:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Minor illness protection
In the proportion of compensation, HSBC Huiyuan Kangning's critical illness insurance allows the insured to apply for 30% of the insured amount, which has reached the market average.
Unfortunately, the setting of disease types is not very good.
After carefully studying the terms, Senior Sister found that the light illness insurance of HSBC Huiyuan Kangning Critical Illness Insurance covers some common diseases in other critical illness insurance products, such as single limb loss, moderate brain injury, small area third-degree burns and so on.
If you start with the critical illness insurance for the above diseases, you can get 50% or even 60% of the insurance premium when you get out of danger, but if you take out this critical illness insurance, you can only enjoy 30% of the insurance premium.
Friends who value this point can analyze the Versailles plus mentioned above. Not only is it guaranteed for mild and moderate diseases, but the compensation intensity is also very satisfactory. It pays 30% and 60% insurance for mild and moderate diseases respectively. If the insured is diagnosed with mild/moderate illness for the first time before the age of 60, he can get an additional 65,438+05% coverage.
2. Is HSBC Huiyuan Kangning's critical illness insurance worth starting with?
In short, the advantage of HSBC Huiyuan Kangning Critical Illness Insurance is that the waiting period only covers 90 days. What deserves attention is the extra compensation for serious illness and the protection for minor illness. The overall performance is not very good. Senior sister doesn't recommend you to start with this product.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has sorted out a lot of critical illness insurance with excellent value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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