Senior sister has previously evaluated many cost-effective critical illness insurances:

A comprehensive review of the top ten cheap and good-priced critical illness insurances!

However, this product called "Huarui National True Love Regular Critical Illness Insurance 2021" aroused the curiosity of the senior students. It is said that the premium of this product is as low as 3.82 yuan per month.

It seems to be very cheap, so many friends have a lot of doubts about it:

Are there any pitfalls in being so cheap?

Now, let’s find out the truth together!

1. Does Guohua Huarui National True Love Regular Critical Illness Insurance 2021 provide good protection?

Let’s get straight to the point, let’s look directly at the protection content of Huarui National True Love Regular Critical Illness Insurance 2021:

At a glance, the disadvantages of Huarui National True Love Regular Critical Illness Insurance 2021 are clearly revealed:

1. The insurance age range is narrow

The insurance age range of Swiss National True Love Regular Critical Illness Insurance 2021 is from 28 days after birth to 50 years old.

This shows that people over 50 years old will have no choice but to give up buying this product.

Many critical illness insurances on the market currently have a maximum insurance age of 65, and the insurance threshold is much looser than Huarui National True Love Regular Critical Illness Insurance 2021.

To be honest, the setting of this Huarui National True Love Regular Critical Illness Insurance 2021 product is really not comprehensive.

If you or your family are unable to insure Huarui National True Love Regular Critical Illness Insurance 2021 due to the insurance age, you may wish to take a look at these critical illness insurances with a wider insurance age range:

A comprehensive list of the top ten popular critical illness insurances worth buying!

2. Lack of additional compensation for critical illness

If a critical illness is detected during the insurance period, Huarui National True Love Regular Critical Illness Insurance 2021 is an insurance product that can only compensate 100% of the insured amount. Well, the protection strength lacks features.

Nowadays, there are many products with additional compensation for critical illness insurance, such as Versailles No. 1 critical illness insurance. Once you suffer from a critical illness before the age of 60, you can get 80% of the insured amount. Extra compensation!

If you buy an insured amount of 500,000 yuan, and pay an additional 80% of the insured amount, it will be 400,000 yuan!

It is difficult not to notice such a disparity in compensation ratio.

If you want to buy a critical illness with a high compensation ratio, you can learn more about Versailles No. 1 through this article:

Before buying Tongfang Global "Versailles No. 1", I want to tell you These truths!

The two shortcomings mentioned above are enough to make people disappointed. However, after conducting in-depth research on the terms of Huarui National True Love Regular Critical Illness Insurance 2021, the senior sister found that there are other reasons behind this product. A bigger trap!

2. Is Guohua Huarui National True Love Regular Critical Illness Insurance 2021 worth buying?

After carefully studying the terms, I found that Guohua Huarui National True Love Regular Critical Illness Insurance 2021 still has these shortcomings:

1. The waiting period insurance terms are strict

< p>The terms of Guohua Huarui National True Love Regular Critical Illness Insurance 2021 stipulate that if the insurance occurs during the waiting period, the refund will only include the premium paid and the contract will also be terminated.

However, there are many products on the market with less stringent waiting period terms. If you suffer from a mild illness during the waiting period, some products have made these provisions: If you are diagnosed with a mild illness during the waiting period, this minor illness will not be covered, and other protections will be valid.

In comparison, this Guohua Huarui National True Love Regular Critical Illness Insurance 2021 product is indeed not outstanding!

2. There is no secondary compensation for malignant tumors.

We all know that cancer is currently one of the major diseases that threaten human life.

The incidence and recurrence rate of cancer are very high.

Even if a large number of cancer patients undergo radical surgery, they still have to fight cancer for life.

That’s why I keep repeating to everyone, remember to buy critical illness insurance that includes secondary compensation for malignant tumors.

However, the Guohua Huarui National True Love Regular Critical Illness Insurance 2021 product launched by the insurance company does not cover this protection, and the protection is still not comprehensive enough!

3. The insurance premium is actually not cheap.

Although the premium of Guohua Huarui National True Love Regular Critical Illness Insurance 2021 seems quite cheap, it is a type of regular critical illness insurance. A simple understanding means that you can only enjoy it if you are under 70 years old. Compensation is not available if you are over 70 years old.

Furthermore, the mild and moderate illness protections of Guohua Huarui National True Love Regular Critical Illness Insurance 2021 are actually optional protection contents, so the premiums of products that do not choose these two protections will be higher than those of other products. Products with two protections set as compulsory liability will have slightly lower premiums.

In other words, the protection we get is essentially just in name.

If you buy Guohua Huarui National True Love Regular Critical Illness Insurance 2021, the cost of additional mild illness protection and moderate illness protection is still very high!

So, I would like to suggest that when you buy critical illness insurance, you should do a lot of comparisons, and do not choose inferior critical illness insurance just because you are looking for a small advantage.

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;

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

Public account: Top academics say insurance costs less, buy the right insurance!