However, being able to insure does not mean being suitable for insurance. Everyone still needs to know the guarantee content of the product before deciding whether to start.
Then the following sister will give you a brief introduction to this product.
Want to know what a good critical illness insurance looks like, you can read this article: A good critical illness insurance is like this! You have been cheated for so many years. ...
Pay small medical insurance first? Schematic diagram of product guarantee for critical illness insurance (1 year):
As can be seen from the picture, micro-medical insurance? The coverage of critical illness insurance (1 year) is relatively thin, and it only provides the basic coverage responsibility for critical illness and optional coverage responsibility for mild illness and specific diseases, such as premium exemption and multiple compensation for high-incidence diseases, but it does not.
In addition, micro-medical insurance? The waiting period for critical illness insurance (1 year) is 90 days. Some friends may think that the 90-day waiting period is quite short, but senior sister should remind everyone that the guarantee period of this product is only 1 year, of which the waiting period accounts for about a quarter of the time.
At present, some 1 year critical illness insurance on the market has a waiting period of only 30 days. In contrast, what about micro-medical insurance? The waiting period of critical illness insurance (1 year) is not at a good level.
For more information about the waiting period, you can learn from this article: insurance companies will not lose money during the waiting period? If you don't understand, you will suffer a big loss!
Also, because the one-year critical illness insurance of micro-medical insurance is a short-term product and takes the form of natural rate, the premium price of each age group may be different.
In other words, as children get older, their premiums may change, such as higher premiums.
So, overall, micro-medical insurance? The performance of critical illness insurance (1 year) is relatively general, with no bright spots. On the contrary, there are problems such as thin coverage and long waiting period. If you want to insure this product for your child, you should still think carefully.
Here, Senior Sister has compiled a list of children's critical illness insurance with high cost performance. Parents may wish to know: the top ten children's critical illness insurance with high cost performance. Don't miss this treasure strategy!
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