The following sister will give you an in-depth evaluation! This article can help you get familiar with what a good critical illness insurance looks like in advance. If you don't know, let's take a look:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
1. Greater Bay Area Yuehai enjoys recreation and critical illness insurance protection!
Friends can look at the product details first:
1. Major disease protection in place
In terms of critical illness protection, Guangdong, Hong Kong, Macao and Dawan District Yuexiang Recreation Critical Illness Insurance has set up a critical illness protection fund, an additional care fund for major diseases, an additional protection fund for specific major diseases, and an additional protection fund for minors with specific major diseases.
Many critical illness insurance products compensate 100% of the basic insured amount on the critical illness insurance premium, but Yuexiang Recreation Critical Illness Insurance in Dawan District of Guangdong, Hong Kong and Macao provides the basic insured amount and a larger paid critical illness insurance, which is particularly thoughtful.
Regarding the extra compensation for serious illness, the performance of this product is also quite excellent. Anyone who meets the compensation conditions will get 30% extra payout ratio. Especially the extra compensation for malignant tumor-severe inclusion is a very important guarantee for the insured, because many cancer patients often experience the persistence, recurrence or metastasis of malignant tumor, so a certain degree of extra compensation can provide them with better protection.
2. There is a limit to the compensation for minor illness.
At present, some diseases classified as moderate diseases in critical illness insurance are even classified as mild diseases in Guangdong-Hong Kong-Macao Greater Bay Area Yuedong Recreation Critical illness insurance, and they are paid according to the proportion of 30% of the basic insured amount. But in other similar products, these diseases are paid according to the proportion of 60% of the basic insurance amount.
In addition, Guangdong, Hong Kong, Macao and Dawan District enjoy recreational critical illness insurance and there is an invisible minor illness group. Even if it is the same group of minor illnesses (three-fourths), the insurance company is now only responsible for paying for one of them, with the first delivery.
Space is limited. For more details of Guangdong-Hong Kong-Macao Greater Bay Area Yuedong Recreation Critical Illness Insurance, you can poke this article to understand:
Want to buy HSBC Guangdong-Hong Kong-Macao Greater Bay Area Guangdong and Guangxi to enjoy recreation and critical illness insurance? Read the article! 》
2. What principles should be followed when insuring against serious illness?
1. Tell the truth
At present, as a kind of health insurance, critical illness insurance will definitely have a health notification link before insurance. Now, everyone must remember to follow the principle of "telling the truth". In short, it is to answer the questions that the insurance company asks for truthfully, but we don't have to say what the insurance company doesn't ask for.
Friends, don't take any chances ~ Although the insurance was deliberately concealed, the insurance was successful, and the truth will be found out in future claims, and even the insurance company refused to claim. It's just that everyone is certainly unreasonable at this time, so telling the truth is not only a sign of respecting the rules, but also for our own consideration.
Buy enough insurance.
When senior students configure critical illness insurance, it is generally recommended that you buy enough insurance coverage of 500,000 yuan, but you should decide the insurance coverage from your own premium budget, economic income and local consumption level.
Senior sister advocates buying 500 thousand insurance coverage, mainly because it needs to cover 300 thousand medical reserves and personal/family income in the past three years. In essence, if a serious illness is diagnosed, not only the patient may not be able to work, but his family may also need to stop working to accompany him.
On the whole, Guangdong, Hong Kong, Macao and Dawan District enjoy recreational critical illness insurance in terms of critical illness protection, but we should also pay attention to some restrictions of this product on mild illness. In essence, if you are not busy with insurance, you might as well look at other similar products on the market and make more comparisons before making a decision.
Senior sister has prepared a cost-effective list of critical illness insurance for everyone, and friends in need can directly receive it:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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