Many friends are asking, is the price-performance ratio of Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange exclusive one-year critical illness insurance 202 1 really that high? Is it really worth buying?
Today, Senior Sister will show you!
1. Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange exclusive one-year critical illness insurance 202 1 What is guaranteed?
Let's take a look at the protection map of this Guangdong-Hong Kong-Macao Greater Bay Area exclusive one-year critical illness insurance 202 1:
From this protection content map, we can know that the protection content of Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area SZSE exclusive one-year critical illness insurance 202 1 is not complicated:
1, insurance conditions
& gt& gt insurance object
It should be noted that the name of Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen exclusive one-year critical illness insurance 202 1 also shows that it is exclusive to Shenzhen, so this product can only be insured by Shenzhen medical insurance participants.
However, this product is very attractive on the insurance threshold:
& gt& gt Insurance covers a wide range of ages.
Shenzhen medical insurance participants aged 28 days to 69 years have the opportunity to take out one-year critical illness insurance exclusive to Evergrande Life in Guangdong-Hong Kong-Macao Greater Bay Area and Shenzhen (202 1).
At present, there is 70-year-old critical illness insurance on the market. If rounded, the one-year critical illness insurance of Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange (202 1) of Evergrande Life Insurance is capped at 70, which is better for the elderly.
& gt& gt Short waiting time
Guangdong-Hong Kong-Macao Greater Bay Area enjoys the one-year critical illness insurance 202 1 with a waiting period of only 90 days, which is 90 days shorter than that of some critical illness insurance with a waiting period of 180 days, which is particularly beneficial to the insured.
If an accident occurs during the waiting period, except for those special provisions, the general insurance company will not bear the responsibility of protection, so it will not compensate again, so the shorter the waiting period, the better.
If there is an accident during the waiting period, under what circumstances can you claim compensation? You can try to look at the specific content of this article, and the results of the reply are here:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Analysis of critical illness insurance
Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen's exclusive one-year critical illness insurance (202 1) covers 28 major diseases, with 100% basic guarantee and 1 multiple payment.
The CBRC stipulates that critical illness insurance must cover these 28 high-risk diseases, accounting for more than 95% of the total claims of critical illness insurance.
However, there are 100 kinds of serious diseases in the market, and dozens of long-term serious illness insurance for mild and moderate diseases are also guaranteed.
If you want to protect comprehensive critical illness insurance, Senior Sister suggests giving priority to purchasing long-term critical illness insurance. Generally speaking, the types of diseases covered by long-term critical illness insurance will be more perfect and the protection will be more adequate.
3. Insurance renewal
Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive one-year critical illness insurance 202 1 has a short guarantee period of only one year, so it is necessary to consider renewing the insurance at the expiration of one year.
There is a problem. When this product is renewed, the insurance premium will be charged at the corresponding rate.
In other words, according to the amount of premium you paid a year ago, if you adjust the rate when you renew your insurance, you may have to spend more premium.
In addition, Guangdong-Hong Kong-Macao Greater Bay Area SZSE's exclusive one-year critical illness insurance 202 1 is not guaranteed to be renewed. Once the things mentioned in the following clauses appear, the insurance cannot be renewed:
In this case, if we buy this product, it may take us time to find other products because of these circumstances, and during this search time, we are still in the window of protection, people can't predict the occurrence of diseases, and risks will always exist.
Therefore, if you have money, it is recommended to choose long-term critical illness insurance, which will not be so troublesome.
If you don't know how to choose long-term critical illness insurance, you can choose one of these ten excellent long-term critical illness insurance, and you may see the products that meet your needs at a glance:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Is Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange exclusive one-year critical illness insurance 202 1 worth buying?
Generally speaking, Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange has a one-year critical illness insurance of 202 1, with a short waiting period and a wide age range. However, attention should be paid to the coverage and renewal. I suggest you consider it carefully before deciding whether to buy it.
If you are a medical insurance participant in Shenzhen, you really don't have enough economic conditions, or you already have long-term critical illness insurance, you can also use Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen's exclusive one-year critical illness insurance 202 1 as a transitional or supplementary product to prevent the occurrence of the protection window, so as to improve our protection system.
Before taking out the insurance, let's take a closer look at the coverage of Evergrande Life Insurance Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive one-year critical illness insurance 202 1 to see what is unfavorable to us:
Can I buy Guangdong-Hong Kong-Macao Greater Bay Area Shenzhen Stock Exchange's exclusive one-year critical illness insurance 202 1? The key depends on these points! 》
Write it at the end
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