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Is there a trap in caring for life and guarding critical illness insurance?
Caring for life and guarding critical illness insurance can be said to be very popular on the internet. I heard that the cost performance is very high, and many friends are asking.

So is there a pit in this product? Is it worth buying? The following sister will give you an in-depth evaluation!

1. What is the form of critical illness insurance? Can I buy it?

Let's cut to the chase. Let's take a look at the product form diagram of this product:

According to the above picture, we can know that critical illness insurance is a product that pays for many times, mainly for people under 60 years old.

Not only that, this product can be insured for friends in 1 to 6 occupations. If people in high-risk occupations buy it, it is still quite cost-effective. However, compared with other similar products, the threshold of critical illness insurance is lower.

Of course, if you don't quite understand the difference between multiple compensation for serious illness and single compensation, I suggest you read this article:

Is it more cost-effective to pay more for critical illness insurance? 》

Let's take a look at the advantages and disadvantages of caring for life and guarding critical illness insurance:

1, advantages

(1) serious illness and overpayment are not grouped.

1 10 Various serious diseases are covered by the critical illness insurance. You can't pay in groups twice at most, and continue to pay for the second time every year. In particular, when we choose the products that have been paid for many times by critical illness insurance, whether to group them is the first thing to understand.

Generally speaking, critical illness insurance products without grouping are more friendly than those with grouping. If we want to group here, we need to see whether malignant tumors are grouped separately, because only in this way can we achieve the purpose of improving the claim rate and safeguarding the interests of consumers. If you are curious about multiple payment products, don't miss this article:

Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》

(2) Provide actual optional responsibilities

In today's society, the incidence of cancer is high and the recurrence rate is high. There is a second compensation for cancer, which is a manifestation of strengthening the protection of cancer.

Guarding critical illness insurance can provide buyers with the actual optional responsibility for the second payment of cancer, which is quite good.

2. Deficiencies

(1) The proportion of compensation for chronic diseases is small.

In terms of compensation for chronic diseases, in addition to guarding critical illness insurance, you can pay up to 2 times to ensure 50% protection each time. We should know that most of the mainstream critical illness insurance products in the market are set at 60%, and some critical illness insurance products also provide extra compensation.

If you buy 50% coverage, other products can pay 300 thousand, however, the critical illness insurance can only pay 250 thousand, a difference of 50 thousand That 50 thousand yuan may be the life-saving money that many ordinary families lack. Compared with other similar products. The payment of critical illness insurance is really not so good.

(2) Restrain the responsibility of death/total disability protection

The life-long critical illness insurance stipulates compulsory liability, including death or total disability. Friends who know about critical illness insurance should know that if there is no death/total disability protection responsibility, the products are still relatively cheap, so the products bundled for consumption are not only inflexible, but also directly reject consumers with limited budgets.

Generally speaking, Aisheng's guaranteed critical illness insurance is cost-effective and comprehensive. Critical illness insurance does not divide diseases into groups, and it can be paid twice at most.

Of course, in addition to the cost-effective critical illness insurance, here is a list of critical illness insurance for everyone, which is full of products worth buying. Friends in need can refer to:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

Second, you have to look at these three points when choosing critical illness insurance! If you don't look, you will suffer!

1, observe the grouping situation in overpayment of critical illness insurance.

As a caring life insurance, the non-grouped critical illness insurance is excellent, but many critical illness insurance in the market have grouping rules, so the most important thing to look at is to pay attention to the grouping of malignant tumors. If these other high-risk diseases are classified as one category, this product is a pit!

Malignant tumor itself is a high-risk disease, and it is also placed with other high-risk diseases. This setting is really too pit.

2. Pay attention to whether the critical illness insurance includes the protection of middle illness.

An excellent critical illness insurance needs these basic guarantees: mild illness+moderate illness+critical illness protection, and some excellent critical illness insurance products will add pre-illness protection in addition to protection.

Products that do not provide protection for China's diseases can be eliminated, and high incidence and mild diseases must be guaranteed in place.

Many of our products can meet your needs as much as possible, and it is really not advisable for us to spend almost the same money on an unworthy product.

3. Pay attention to whether there is a pit in the second compensation for cancer.

Everyone has heard that cancer is high in incidence, easy to metastasize and difficult to cure. In this case, the critical illness insurance for the second payment of cancer is particularly important.

However, when it comes to the second compensation for cancer, don't forget to look at the following two points:

You must choose a variety of products with a cancer payment interval of 3 years.

That must be to choose a product that has recurred.

Through the above explanation, I believe it can help you find problems in the process of selecting products. Don't jump into the pit. I hope you can choose good products carefully!

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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