No, Evergrande Life has launched a product called Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Special Long-term Critical Illness Insurance. So what kind of existence does this product have? Can it be trusted by the public?

Next, the senior sister will take everyone to study this product!

Because the evaluation of the product is a bit long, the senior has compiled a detailed evaluation of the product in the following article, please remember to have a look:

Evergrande Guangdong-Hong Kong-Macao Greater Bay Area SZSE exclusive long-term critical illness insurance is thought-provoking. ...

1. Analysis of Evergrande Guangdong-Hong Kong-Macao Greater Bay Area's exclusive long-term critical illness insurance!

As usual, look directly at the product guarantee content map:

As can be seen from the protection map, the main selling point of Evergrande's exclusive long-term critical illness insurance in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen is regular critical illness insurance protection.

The product guarantee is very good, that is, it guarantees 28 major diseases stipulated in the Critically Illness Insurance "Criteria for the Use of Disease Definitions".

Then let's take a look at the detailed information of the product ~

(1) Less choice of guarantee period.

There are only two options for the guarantee period of Evergrande Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive long-term critical illness insurance. You can choose to cover 5 years or 65,438+00 years, whether it is 5 years or 65,438+00 years. This coverage period is really too short.

We can't predict when we will get sick and what disease we will get. The original intention of insuring critical illness insurance is to cope with the unpredictable future and try to have a long-term protection that is enough to resist risks.

The protection period of this exclusive long-term critical illness insurance of Evergrande Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen is too short.

(2) Excellent value-added services

Different from the domestic routine insurance, the cross-border medical insurance and exclusive critical illness insurance in Guangdong-Hong Kong-Macao Greater Bay Area fully considered the reality of Guangdong-Hong Kong-Macao Greater Bay Area, interconnected the medical service resources in the whole region, and reflected the regional characteristics. That is to say, Greater Bay Area customers, especially mainland customers, can obtain cross-border medical service resources without going abroad for insurance. Before that, only a few products of cross-border medical services were generally included, which is a highlight of Evergrande Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive critical illness insurance.

On the whole, Yangduo is still a good product, especially the value-added service of cross-border medical resources is more attractive ~ there should be many small partners who can't stand it and want to buy it, but is it worth investing? Senior sister's suggestion is to reconsider!

Because it really has many shortcomings and can't be ignored!

2. What are the shortcomings of Evergrande Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive long-term critical illness insurance?

(1) No extra compensation for serious illness.

This exclusive long-term critical illness insurance for Evergrande Guangdong-Hong Kong-Macao Greater Bay Area provides 65,438+000% basic protection for critical illness. This kind of protection seems normal, but now the competition in the domestic insurance market is becoming more and more fierce, and a large number of products with additional serious illness compensation are everywhere in the network. They have one thing in common, that is, they all have additional clauses for serious illness around the age of 60, and the compensation is much higher instantly!

However, there are also many products with excellent proportion of serious illness compensation on the market, such as this Versailles PLUS. Interested friends may wish to see where the gap is:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

(2) Lack of basic guarantee

Evergrande Guangdong-Hong Kong-Macao Greater Bay Area SZSE exclusive long-term critical illness insurance does not cover mild and moderate diseases!

Mild and moderate diseases refer to diseases that are easy to treat and cost less. The compensation is generally 30% to 50% of the insured amount, and the patient's family members do not need to bear too much economic pressure to let the patient go to the hospital for treatment.

Mild and moderate diseases are based on serious diseases, which makes the claim requirements much lower and is the guarantee of lower claim standards. The coverage of serious diseases has become larger because of the emergence of minor diseases, and compensation can be obtained without waiting for the disease to reach the level of serious diseases.

At present, the critical illness insurance products sold in the market basically include the protection of mild and moderate diseases, which is also an aspect that consumers must observe when purchasing critical illness insurance. However, Evergrande does not have these two guarantees!

At this point, I believe you have a more comprehensive understanding of the long-term critical illness insurance exclusively launched by Evergrande in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen.

To sum up, the guarantee of this product is not very good, and the cost performance is still very general.

If a small partner wants to buy this product, Xue Jie suggests adding insurance.

But friends who buy critical illness insurance for the purpose of long-term protection hope to compare other equally popular products.

Here is a list of critical illness insurance, you can also refer to it when choosing ~

Inventory of Top Ten Cheap and Good Critical Illness Insurance

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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