Before understanding the text, senior prepared a list of critical illness insurance for friends, all of which are cabbage prices:
Inventory of Top Ten Cheap and Good Critical Illness Insurance
1. What are the advantages and disadvantages of Everbright Yongming's healthy growth and critical illness insurance?
Now let's analyze the real situation of Everbright Yongming's healthy growth and critical illness insurance through the security map:
1, Overview of Everbright Life Insurance for Healthy Growth and Critical Illness
Everbright Yongming's health growth and critical illness insurance is actually one of the single payment products, which can guarantee one year. For educated people, that is, kindergartens, nurseries, primary and secondary schools, graduate students and other educated people, the maximum age of insurance is 35 years old. Healthy growth critical illness insurance is a minimalist product, and the major diseases covered mainly include 50 kinds of malignant tumors-severe, severe stroke sequelae and severe brain injury.
If your friends prefer to protect more abundant critical illness insurance products, click below, and more children's critical illness insurance is waiting for your friends:
"Ten super cost-effective children's critical illness insurance, don't miss it! 》
2. Highlights of Everbright Yongming's healthy growth and critical illness insurance
The biggest advantage of healthy growth and critical illness insurance is that the premium is affordable. Buy 500,000 insurance for boys aged 10, and the annual premium is only 345 yuan. While the insurance coverage is sufficient, the price is also within our affordability, which is very suitable for families with insufficient insurance budget.
3. Everbright Yongming's healthy growth and critical illness insurance is tricky.
(1) No renewal is guaranteed.
The premium payment period of healthy growth and critical illness insurance is one year, and the guarantee period is one year. There is no explicit guarantee renewal clause in the contract. If the product is taken off the shelf because of the high claim rate, or the insured is found to have physical problems, then the insured can no longer apply for insurance, and failure to renew the insurance means that there is no stable guarantee. Especially for those who have already settled claims, it is simply more difficult to insure new critical illness insurance products.
(2) There are too few guarantees.
The high-quality critical illness insurance now appears, in addition to the protection of serious illness, there is also the protection of mild and moderate diseases. The protection of mild and moderate diseases can lower our claim threshold. As long as the condition does not deteriorate, we can get money for treatment.
However, the health growth critical illness insurance has only one choice for the protection of critical illness, and at the same time, for the most prone malignant tumor (that is, cancer), it can not reach the critical illness and does not support the application for compensation. Although the protection is not comprehensive, the compensation conditions are too harsh.
(3) the compensation ratio is low
The critical illness insurance for healthy growth can only pay 65,438+000% of the basic guarantee. Even if it is not the worst, many critical illness insurances can give the insured additional critical illness responsibilities. Just like Versailles plus, the first serious illness agreed in the contract before the age of 60 can get an additional 80% basic guarantee.
The same amount of insurance is 500 thousand. Suppose you are diagnosed with a serious illness at the age of 40, you can get 900 thousand compensation from Versailles plus, but the healthy growth critical illness insurance gives 500 thousand compensation, which is too bad.
Little friends want to know more about Versailles 1, just click on the following entrance:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
(4) Protection related to special diseases
Critical illness insurance products specially designed for teenagers are generally protected against special diseases of children. If the insured has a special disease, he can pay extra 100% of the insured amount. If it is a rare disease in children, the additional compensation ratio is as high as 200%.
Moreover, the health growth critical illness insurance only pays once, and there is no secondary liability for malignant tumors with high incidence and recurrence rate. Once the cancer recurs, you need to pay for the treatment yourself.
Second, is Everbright Yongming's healthy growth and critical illness insurance worth buying?
After understanding the above analysis, I think that the protection of Everbright Yongming's healthy growth and critical illness insurance is not very comprehensive, and the comprehensive cost performance is not excellent enough.
It is not too late to make a choice by comparing other critical illness insurance products with better protection on the market.
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!