Mutual insurance is a one-year group critical illness insurance, and renewal is not guaranteed. It is more suitable as a temporary transitional guarantee or as a supplement to long-term critical illness insurance. In order to better understand this product, let's first take a look at the protection plan of Mutual Treasure.

Mutual Treasure's Basic Protection Plan:

As can be seen from this table:

Mutual treasure consists of three mutual aid programs, covering 99 kinds of severe cancers and 5 kinds of rare diseases. The age range of the population is 30 days -69 years old.

From the scope of protection, the mutual insurance and mutual assistance plan only covers serious diseases and cancer, but does not cover the protection of moderate and mild diseases, so the protection can only be said to be barely up to standard.

From the aspect of premium payment, mutual insurance adopts the mode of "guarantee first and then pay", which seems to be very scientific, but once the crowd is seriously ill and there is no fixed amount, the premium is uncertain.

Judging from the insured amount, the maximum insured amount for people over 39 years old is only 654.38+ 10,000. If a serious illness does occur, the cost may not be enough to transfer financial risks.

Judging from the terms of the insurance plan, because it is a mutual aid plan and a one-year plan, the terms of the insurance may change at any time, and it is impossible to protect the rights and interests of the insured for a long time.

Write it at the end,

Mutual treasure only takes care of diseases, and mild and moderate diseases are not guaranteed. With the rejuvenation and popularization of serious illness, it is necessary to buy a suitable critical illness insurance for yourself and your family.

Mutual insurance can be used as a guarantee for temporary transition and a supplement to long-term critical illness insurance, but it cannot be used as the only critical illness insurance. Because the critical illness insurance needs to have enough insurance coverage, mutual treasure does not exist. Therefore, even if you join the mutual treasure, you should choose a critical illness insurance that suits you, so that the disease risk can be better transferred.

The cost-effective products on the market are worth buying, and my father sorted them out for everyone. You can also make a reference: "List of Critical Illness Insurance in 2020", don't miss these critical illness insurances that have been paid many times! 》