Advantages of Xinhua's multiple guarantees
1, the protection is relatively comprehensive: there are all kinds of protection for severe and mild diseases, including extra compensation for specific serious diseases, extra compensation for death and extra compensation for serious diseases. It's good to see that the protection is multiple times.
2, cancer multiple payments: cancer can pay up to 3 times, you know, the recurrence rate of cancer is still very high, the advice given here is to try to choose the critical illness insurance for cancer multiple payments.
Xinhua News Agency's Deficiencies in Multiple Guarantees
1, the probability of paying for multiple serious diseases is low: serious diseases 7, mild diseases 22. When I first saw it, so did I. My friends and I were shocked. If nothing else, can a person have seven serious illnesses in his life? Moreover, a large number of critical illness insurance premiums paid are still expensive, which is really not worth the loss. I just want to say that multiple guarantees are really unnecessary.
2. The proportion of compensation for mild illness is low: as we can see from the table, only 20% of the insurance amount is paid for mild illness, while most products on the market pay more than 30%. At this point, multiple guarantees are not enough. 3. The interval between multiple payments for cancer is too long: We can see that multiple payments are for cancer protection, but there is also a pit here, that is, the interval between each payment for cancer is 5 years. Here, I will tell you about the knowledge of "five-year survival": if a person is diagnosed with cancer, the cancer will not recur or metastasize in the next five years, and it will be basically cured. Therefore, in fact, Shuangbao has set a five-year interval for cancer, which is embarrassing and reduces the chances of winning.