as a new product in Dehua angu life insurance, Dehua angu Barnard critical illness insurance (Premium Edition) is really familiar to senior students. After searching, I found that the name of the initiator of this critical illness insurance is Marius Barnard!

De Hua An Gu Barnard critical illness insurance (Premium Edition) has chosen such a name. What's so powerful about this insurance? Senior is inevitably a little curious.

So Senior Sister made such an assessment, and the equally curious partners come and learn about it.

During the evaluation, Senior Sister found that: Dehua Goobarnard critical illness insurance (Premium Edition) is an upgraded version of Dehua Goobarnard critical illness insurance. Partners who want to know about the previous version can click here to find out:

How about Fosun and Ford plus critical illness insurance?

1. How did Dehua's Gu Barnard critical illness insurance (Premium Edition) perform?

If nothing else, this is the product shape diagram. Let's take a look at it first:

Dehua Gubanad critical illness insurance (Premium Edition)

This Dehua Gubanad critical illness insurance (Premium Edition) is a kind of critical illness insurance that has been paid for many times. Overall, the coverage is still comprehensive, but what is the specific coverage? Senior, I'll give you an answer.

1. Unreasonable grouping of critical illness

Excerpt from grouping of critical illness of Dehua GuBarnard critical illness insurance (Premium Edition)

The fact that malignant tumors are grouped separately is not reflected in the guarantee of Dehua GuBarnard critical illness insurance (Premium Edition). As a critical illness insurance with multiple group payments, this shortcoming is very fatal.

In critical illness insurance claims, the claims rate of six common high-risk serious diseases (malignant tumor, acute myocardial infarction, end-stage renal disease, coronary artery bypass grafting, sequelae of cerebral apoplexy and major organ transplantation) reached 8%, among which the claims rate of malignant tumor accounted for more than 6%.

And Dehua's Gu Barnard critical illness insurance (Premium Edition) puts malignant tumor, major organ transplantation or hematopoietic stem cell transplantation and severe chronic renal failure in the same group. What are the consequences?

For example, after Lao Wang bought Dehua Gubanad critical illness insurance (Premium Edition) for several years, he unfortunately suffered from liver cancer, and Dehua Gubanad critical illness insurance (Premium Edition) also paid Lao Wang compensation as agreed. But later, Lao Wang's liver condition became very serious, and it was urgent to change his liver. But at this time, the responsibility for the serious illness of the first group of Dehua Angu Barnard critical illness insurance (Premium Edition) has ended. Because liver cancer (malignant tumor) and liver replacement (major organ transplantation or hematopoietic stem cell transplantation) belong to the same group, Lao Wang had already received the compensation from the insurance company for malignant tumor when he suffered from liver cancer, and the responsibility of this group ended. Therefore, the cost insurance for liver replacement is no longer paid. In order to avoid this situation, there are some excellent critical illness insurance in the market, which will expand the grouping of 5~6 groups of critical illness insurance, and disperse the six high-incidence and serious diseases mentioned above, and group malignant tumors separately.

For example, my senior did an evaluation before, and it was also paid for many times as a serious illness, but the grouping rationality of Fosun and Ford with critical illness insurance will be higher. Interested partners just look down:

How about Fosun and Ford with critical illness insurance?

2. Insufficient compensation for chronic diseases

At present, most of the critical illness insurance in the market can be paid twice in case of chronic diseases, not only there is no age limit, but also some products can enjoy five times of compensation for mild diseases. However, Dehua's Gu Barnard critical illness insurance (Premium Edition) only covers Chinese medicine once before the age of 88, and its compensation ratio is 1% less than that of most critical illness insurance.

1% doesn't seem like much, but if you really figure it out, you will know how big the gap is.

For example, Lao Wang bought himself Dehua an Gu Barnard critical illness insurance (Premium Edition), and Lao Li bought the critical illness insurance, which can compensate 6% in case of middle illness. Both of them have a coverage of 5, yuan. Unfortunately, both of them suffered from Chinese diseases at the same time. The insurance company offered Lao Wang 5% × 5, = 25, and Lao Li 6% × 5, = 3,. The difference is 5 thousand yuan, which can be used as nutrition fee and follow-up rehabilitation nursing fee. So don't underestimate the 1% gap. Moreover, some of the critical illness insurance that Lao Li bought can be compensated twice, and there is no requirement for age. That is to say, after Lao Wang's Chinese medicine has been paid once, its guarantee responsibility is over. However, Lao Li still has a chance to get Chinese medicine protection. If the two of them unfortunately get Chinese medicine, Lao Li can still pay 3, yuan, but Lao Wang has no compensation.

2. Is Dehua an Gu Barnard critical illness insurance (Premium Edition) worth starting with?

In a word, Dehua Gubernard critical illness insurance (Premium Edition) is relatively backward in the ranking of similar products in the current market. As a kind of multiple compensation insurance for serious illness, there is no corresponding reasonable grouping setting for serious illness. Other aspects of protection are not enough, for example, the age limit of 88 years is set for the protection of Chinese diseases. Moreover, its compensation is not strong enough, and these restrictions are really unpleasant.

Therefore, Senior Sister feels that Dehua Gubanad critical illness insurance (Premium Edition) really lacks some advantages. If you want to start with critical illness insurance, you can learn more about other products on the market and choose the one that suits you better after comparison.

Senior sister here shares with you some excellent critical illness insurance with good reviews in the market. You can look at the product comparison here and make a choice:

Ten popular critical illness insurance stocks worth buying!

Write at the end

I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;

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