Dehua's Gu Barnard's critical illness insurance (premium version) dares to name it, so senior sister wants to know if this product is very powerful?
The school sister then made such an evaluation, and the curious friends quickly came to find out.
During the evaluation, this senior found that Dehua Cuba Nader Critical Illness Insurance (premium version) is an upgraded version of Dehua Cuba Nader Critical Illness Insurance. Partners who want to know the previous version here can say:
Is Dehua's Gubernard critical illness insurance really worth it?
1. How is the performance of Dehua's Gubanad critical illness insurance (premium version)?
Without delay, let's take a look at the product structure diagram:
Dehua' an Gubanade Critical Illness Insurance (Premium Edition)
Dehua's Gubanad Critical Illness Insurance (premium version) belongs to the critical illness insurance with multiple payments. Overall, the coverage is comprehensive, but the actual coverage will be announced to you immediately.
1, grouping of serious diseases is unreasonable.
Excerpt from the Critical Illness Insurance (Premium Edition) of Dehua Gubana Group
Dehua's Gubernard critical illness insurance (premium version) does not include the setting of separate grouping of malignant tumor diseases, which is too obvious in the aspect of multiple compensation critical illness insurance for critical illness grouping.
In critical illness insurance claims, the claims rate of six common high-risk diseases (malignant tumor, acute myocardial infarction, end-stage renal disease, coronary artery bypass grafting, stroke sequelae and major organ transplantation) reached 80%, of which the claims rate of malignant tumor accounted for more than 60%.
Dehua's Gubernard Critical Illness Insurance (premium version) puts malignant tumor, major organ transplantation or hematopoietic stem cell transplantation and severe chronic renal failure in the same group. What are the consequences?
Here's an example I'll share with you: a few years after I bought Dehua Cuba Nader's critical illness insurance (premium version), Lao Wang unfortunately suffered from liver cancer, and Dehua Cuba Nader's critical illness insurance (premium version) also paid Lao Wang compensation as agreed. However, Lao Wang's liver condition is getting worse and worse in the later period, and the need for liver replacement is very urgent. However, at this time, the first group of responsibilities of Dehua Nubad Critical Care Insurance (Premium Edition) has ended, because liver cancer (malignant tumor) and liver replacement (large organ transplantation or hematopoietic stem cell transplantation) belong to the same group, and Lao Wang has already paid the compensation for malignant tumor when suffering from liver cancer, and is no longer responsible for accepting this group. Therefore, it will not bear the cost of liver replacement. In order to avoid this situation, there are some excellent critical illness insurance in the market, which will expand the grouping of critical illness to 5~6 groups, disperse the above six high-risk and serious diseases, and group malignant tumors separately.
For example, Fosun and Ford, which were previously evaluated by senior sisters, have the same payment method for critical illness insurance for many times, but the grouping is obviously more reasonable. Interested partners just look down:
How did Fosun and Ford insure against critical illness?
2. Insufficient compensation for chronic diseases.
At present, most of the serious illness insurance products on the market are paid twice, which is not only unlimited in age, but also provides five times protection for minor illness. However, if you are not 88 years old, Dehua Barnard's critical illness insurance (premium version) provides only one protection for China people's diseases. The compensation ratio is also lower than most critical illness insurance 10%.
At first glance, 10% is not much. After careful calculation, the gap suddenly appeared.
If Lao Wang spends money on critical illness insurance (premium version) in Dehua, Lao Li is insured with 60% of the critical illness insurance for chronic diseases, and both of them have a coverage of 500,000. Both suffer from China's disease. Lao Wang paid 50% × 500,000 = 250,000, and Lao Li paid 60% × 500,000 = 300,000. Among them, 50 thousand yuan is missing, which is more than enough for us as nutrition fee and follow-up rehabilitation nursing fee. So don't underestimate the gap of 10%. Moreover, Lao Li has paid critical illness insurance twice, and there is no age limit. In other words, after Lao Wang paid the money once, his responsibility was gone. However, Lao Li is guaranteed by Chinese medicine. If two people are diagnosed by Chinese medicine again, Lao Li will get 300 thousand more compensation than Lao Wang.
2. Is Dehua's Gubernard Critical Illness Insurance (Premium Edition) worth starting with?
On the whole, in the current market, Dehua's Gubanad critical illness insurance (premium version) is not competitive. As a kind of multiple compensation insurance for serious illness, there is no reasonable grouping of serious illness. Other protective measures are also flawed. For example, the compensation for Chinese medicine is still not big enough, including the age limit of 88, which is really not good enough.
Therefore, senior sister feels that Dehua's Cuban Nader critical illness insurance (premium version) does lack some advantages. If you want to start with critical illness insurance, first make a horizontal comparison with other products on the market, and then consider which one to buy.
Here, senior sister has compiled an excellent critical illness insurance for everyone. If you want to make a choice, you can first look at the comparison of these products:
Top ten popular critical illness insurance stocks worth buying!
Write it at the end
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