Guohua Huarui National True Love Critical Illness Insurance is a newly defined critical illness insurance. Its main advantages are short waiting period and flexible protection plan setting; its main disadvantages are the lack of additional critical illness compensation and the absence of malignant tumors. Second compensation, etc. Overall, this product is not very reliable.

My sister has recently become very interested in "Huarui National True Love Regular Critical Illness Insurance 2021". It is said that the premium of this product is as low as 3.82 yuan per month. This sounds quite cheap, but you may be wondering: Is there some trick to why the insurance premium is so cheap?

Let me introduce it to you in detail!

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

As usual, let’s first take a look at the protection content of Huarui National True Love Regular Critical Illness Insurance 2021:

The shortcomings of Huarui National True Love Regular Critical Illness Insurance 2021 are still There are quite a lot:

1. The insurance age range is narrow

The insurance age range of Huarui National True Love Regular Critical Illness Insurance 2021: 28 days after birth to 50 years old. This means that people over the age of 50 are excluded from this product.

You must know that the maximum insurance age for many critical illness insurances on the market is 65 years old, and the insurance standards are much lower than this Huarui National True Love Regular Critical Illness Insurance 2021.

Frankly speaking, the design of this Huarui National True Love Regular Critical Illness Insurance 2021 is very inappropriate.

If you or your family cannot purchase this Huarui National True Love Regular Critical Illness Insurance 2021 due to age, you may wish to take a look at these critical illness insurances with a wider age range: Top 10 worth buying A comprehensive review of popular critical illness insurance!

2. Lack of additional critical illness compensation

If a critical illness is diagnosed during the coverage period, Huarui National True Love Regular Critical Illness Insurance 2021 will only pay 100% of the insured amount. The protection strength is relatively lacking in characteristics.

Nowadays, there are many products with additional compensation for critical illness insurance, such as Versailles No. 1 critical illness insurance. This product stipulates that if you get a serious illness before the age of 60, you can get an additional 80% of the insured amount! If the insured amount is 500,000, 80% of the insured amount is 400,000 in other words!

The huge disparity in compensation ratio is worth paying attention to.

If what you need is a serious illness with a high compensation ratio, you can read this article to learn more about Versailles No. 1: Before buying Tongfang Global "Versailles No. 1", you must know these!

The above two shortcomings are enough to make people feel disappointed, but after in-depth study of the terms of Huarui National True Love Regular Critical Illness Insurance 2021, the schoolmate discovered that this product also hides a big trap!

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

After in-depth research, I found that Guohua Huarui National True Love Regular Critical Illness Insurance 2021 still has room for improvement in these aspects:

1. Strict insurance terms during the waiting period Yan

The terms of Guohua Huarui National True Love Regular Critical Illness Insurance 2021 stipulate that in the event of an accident during the waiting period, only the premium paid will be refunded and the contract will be terminated.

In addition, many products have relatively loose insurance terms during the waiting period. If you suffer from a mild illness during the waiting period, many products will comply with the following provisions: If you are diagnosed with a mild illness during the waiting period, only this mild illness will be excluded, and the remaining coverage will still be valid.

For comparison, the Guohua Huarui National True Love Regular Critical Illness Insurance 2021 product launched by the insurance company does not have an advantage!

2. There is no secondary compensation for malignant tumors.

We all know that cancer is still a high-risk disease that threatens human survival. Not only is the incidence of cancer extremely high, but its recurrence rate is also very high.

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. The protection is really inadequate!

For more reasons why it is recommended to add a second compensation for malignant tumors, you can read this article written by the senior sister before: Is it necessary to add a "secondary compensation for cancer"? If you don’t understand these points, be careful and waste your money!

3. The insurance premium is actually not cheap.

Even though Guohua Huarui National True Love Term Critical Illness Insurance 2021 gives the impression that the premium is very cheap, this critical illness insurance is guaranteed period, which means that the coverage period is only until the age of 70, and beyond You are no longer protected at this age.

In addition, in terms of optional protection, Guohua Huarui National True Love Regular Critical Illness Insurance 2021 sets up mild disease protection and moderate disease protection, so if you do not choose these two protections, the premium will be lower. If these two protections are set as compulsory liability products, the premiums will be higher.

If you buy Guohua Huarui National True Love Regular Critical Illness Insurance 2021, when you choose to insure mild illness protection and moderate illness protection, the price is not more advantageous than other critical illness insurance!

Generally speaking, Guohua Huarui National True Love Regular Critical Illness Insurance 2021 is very average in terms of protection.

When choosing critical illness insurance, you still need to do a lot of comparisons and then make a choice based on your actual needs.

Write it at the end

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