Ten inexpensive critical illness insurance inventory!

However, this product named "Huarui National True Love Regular Critical Illness Insurance 202 1" has aroused the curiosity of senior students. It is said that the premium of this product is as low as 3.82 yuan per month.

It looks cheap, but there are still many friends who have a lot of doubts about it:

The premium is really cheap. Will there be a pit?

Next, let's find the answer together!

1. Will Guohua Huarui National True Love be guaranteed by critical illness insurance 202 1?

Cut to the chase, let's directly look at the coverage of Huarui National True Love Regular Critical Illness Insurance 202 1:

At a glance, the disadvantages of Huarui National True Love Regular Critical Illness Insurance 202 1 can be seen at a glance:

1, with a narrow age range

The insured age of Swiss national true love critical illness insurance 202 1 is from 28 days to 50 years old.

This shows that if the elderly over 50 can only give up buying this product.

At present, the maximum age of many critical illness insurance on the market is 65, and the insurance threshold is much looser than that of critical illness insurance 202 1.

To tell the truth, the setting of this Huarui National True Love Regular Critical Illness Insurance 202 1 product is not complete.

If you or your family can't take out Huarui National True Love Periodic Critical Illness Insurance 202 1 because of the age, you may wish to take a look at these critical illness insurances with a wider age range:

Top ten popular critical illness insurance stocks worth buying!

2. Lack of additional compensation for serious diseases

If a serious illness is detected within the protection period, Huarui National True Love Critical Illness Insurance 202 1 This insurance product can only compensate 100% of the insured amount, which is characterized by lack of protection.

At present, there are many products with extra compensation in critical illness insurance, just like Versailles 1 critical illness insurance. Once you get a serious illness before the age of 60, you can get an extra 80% compensation!

Buy 500,000 insurance and pay 80% more to get 400,000 insurance!

It is hard not to attract people's attention with such a disparity in compensation ratio.

If you want to start with a serious illness with a high proportion of compensation, you can learn more about Versailles 1 through this article:

I want to tell you the truth before I buy the same Versailles 1.

The two shortcomings mentioned above are disappointing enough, but after in-depth study of the clauses of Huarui National True Love Regular Critical Illness Insurance 202 1, Senior Sister found that there is a bigger trap behind this product!

Second, Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 Is it worth starting with?

After careful study of the clauses, it is found that Guohua Huarui National True Love Periodic Critical Illness Insurance 202 1 still has these shortcomings:

1, the waiting period is harsh.

Guohua Huarui National True Love Term Critical Illness Insurance 202 1 has made the following provisions. If an accident occurs during the waiting period, the refunded fee only includes the premium paid, and the contract is terminated.

However, there are many products on the market whose waiting period terms are not very strict. If you suffer from mild illness during the waiting period, some products make these provisions: if you are diagnosed with mild illness during the waiting period, you can only cover this mild illness, and other guarantees are effective.

In contrast, this Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 product is really outstanding!

2. There is no secondary compensation for malignant tumor.

As we all know, cancer is one of the main diseases that threaten human life at present.

The incidence and recurrence rate of cancer are very high.

A considerable number of cancer patients still have to fight cancer for life even after radical surgery.

That's why I keep reiterating to you that I remember to buy the critical illness insurance for the second payment of malignant tumor.

However, this Guohua Huarui National True Love Periodic Critical Illness Insurance 202 1 product launched by the insurance company does not cover this protection, and the protection is still not comprehensive enough!

3. The premium is not cheap.

Although the premium of Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 seems quite cheap, it is a kind of regular critical illness insurance. Simply put, you can only enjoy compensation within 70 years old, and you can't get claims after 70 years old.

In addition, what's more important is that Guohua Huarui National True Love Periodic Critical Illness Insurance 202 1 is actually optional for the protection of mild and moderate diseases, so the premium of products that do not choose these two guarantees is a little less than that of products that set these two guarantees as compulsory liability.

In other words, in essence, the protection we get is just a hollow name.

If Guohua Huarui National True Love Regular Critical Illness Insurance 202 1 is insured, the cost of choosing to insure mild illness insurance and moderate illness insurance is still very high, even higher than other critical illness insurance products!

Therefore, it is necessary to compare the purchase of critical illness insurance. Don't choose those bad critical illness insurance just because you are greedy for a little advantage.

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!