There are still many one-year critical illness insurance products on the market, such as the critical illness insurance underwritten by HSBC Life Insurance, which guarantees one year. It is the daily Internet critical illness insurance of HSBC.

Let's analyze whether this one-year critical illness insurance product is worth considering!

If you still have doubts about whether you need to buy critical illness insurance, this article can answer your doubts:

"Do you want to buy critical illness insurance after all? If you don't get out of danger, won't the money be wasted?

1. Revealing the contents of daily Internet critical illness insurance of HSBC!

Let's first take a look at the protection map of HSBC's daily Internet critical illness insurance:

1. Insurance rules

From the protection map, we can find that HSBC's daily Internet critical illness insurance is actually a critical illness insurance with a one-year guarantee.

In terms of insurance age, HSBC Daily Internet Critical Illness Insurance is available for people aged 18-6. Compared with some critical illness insurance in the market, which only allows people aged 55 and below to take out insurance, HSBC's daily Internet critical illness insurance is more reasonable for people aged 56-6.

Another thing is that the daily Internet critical illness insurance of HSBC has a waiting period of 9 days. However, the guarantee period of this product is only one year, and the waiting period is basically three months, which everyone should consider before buying.

2. Coverage content

There is only one coverage for daily Internet critical illness insurance of HSBC, which is critical illness insurance Gold.

The critical illness insurance covers the diseases covered in the clauses, while HSBC Daily Internet Critical Illness Insurance covers 8 major diseases.

If, after the waiting period, the insured suffers from 8 major diseases agreed in the contract for the first time and is diagnosed, and meets the requirements, he can also get critical illness insurance money from the insurance company, the amount of which is the total basic insurance amount. The contract is no longer valid.

It is estimated that friends who are familiar with insurance will know that a large number of critical illness insurance products not only have critical illness protection, but also provide high incidence and mild illness, so that the insured can get more adequate protection.

Comparatively speaking, HSBC's daily Internet critical illness insurance only has critical illness insurance gold protection, which is obviously insufficient.

If you want to know more about HSBC Daily Internet Critical Illness Insurance, this article has a detailed introduction:

"Is HSBC Daily Internet critical illness insurance worth insuring? You need to know these details!

Second, is HSBC's daily Internet critical illness insurance worth insuring?

On the whole, even though HSBC Daily Internet Critical Illness Insurance has some outstanding features in the setting of insurance age. However, in terms of content protection, HSBC's daily Internet critical illness insurance is indeed not competitive enough.

To put it bluntly, some other critical illness insurance products on the market will also provide protection for mild or even specific diseases. Therefore, compared with the one-year critical illness insurance, the protection of daily Internet critical illness insurance in HSBC is really not very attractive.

If friends want to start with one-year critical illness insurance products, senior means that you can learn more about other similar products on the market!

In addition, Senior Sister would like to remind all friends that although other conditions remain the same, it is often cheaper to guarantee one-year critical illness insurance temporarily than to guarantee long-term and lifelong critical illness insurance. However, if the economy is not so tight, everyone should buy life-long critical illness insurance for themselves!

The main reason is that the daily Internet critical illness insurance of HSBC will expire soon, and everyone should renew it every year, and the products may be discontinued. If you are going to re-insure the critical illness insurance, you have to reconfigure other products. In this case, there will be a gap in the protection, and it will even be difficult to re-purchase a new critical illness insurance because of getting older or getting worse.

Therefore, for people with sufficient budget and pursuing comprehensive and long-term protection, the overall cost performance of daily Internet critical illness insurance in HSBC is low, so it is not worth taking out.

Finally, Senior Sister also made an inventory of critical illness insurance worth buying for everyone. Interested friends should not miss it:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying!

Written at the end

I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

WeChat official account: Xueba said that insurance costs less, so buy the right insurance!