Recently, my senior sister heard that the product Xiaohonghua Critical Illness Insurance (exclusive to the Internet) under Guofu Life Insurance is very popular. Many friends came to consult the seniors and asked about the guarantee content of this product and whether it is worth buying.
Today, the senior sister took the time to conduct a detailed evaluation and analysis of this product. Friends who are interested in this product, hurry up and follow the senior sister to take a look!
This article focuses on
1. The protection content of Xiaohonghua Critical Illness Insurance (exclusive to the Internet) is revealed!
2. Is Xiaohonghua critical illness insurance (exclusive to the Internet) worth buying?
1. The content of Xiaohonghua Critical Illness Insurance (exclusive to the Internet) is revealed!
The old rules, let’s take a look at the protection chart of this critical illness insurance product:
From the protection chart, this is a critical illness insurance product that is more suitable for people aged 28 days (inclusive) to 55 years old (inclusive) and has a waiting period of 180 days. Next, the senior sister will conduct a detailed analysis of the content of this product from the following aspects. Without further ado, come and have a look!
1, protection period and payment period
In terms of protection period, there are two types of protection periods for Xiaohonghua Critical Illness Insurance (exclusive to the Internet), namely insurance to 70 years old and lifelong .
In terms of payment period, the payment method of Xiaohonghua Critical Illness Insurance (exclusive to the Internet) is relatively rich and flexible. It provides payment methods such as 5 years, 10 years, 15 years, 20 years and 30 years of .
Among them, its maximum payment period is 30 years. Generally speaking, when the insurance amount is the same as other insurance conditions, the longer the payment period chosen, the less premium you have to pay for each period, and the less pressure on the insured to pay for each period. Therefore, if you have a limited economic budget but want to obtain a high insurance premium, you might as well choose to pay for 30 years.
2. In terms of protection content
From the protection chart, it can be seen that the protection content of Xiaohonghua Critical Illness Insurance (exclusive to the Internet) not only provides severe illness protection, but also provides moderate illness protection and mild illness protection . From this point of view, the guarantee content of this product is still very comprehensive.
In terms of the compensation ratio of moderate and mild cases, the compensation ratio of mild and moderate cases for this product is 30% basic insurance and 60% basic insurance respectively. The compensation ratios of these two items have reached the compensation level of excellent critical illness insurance on the market. From this point of view, the compensation for mild and moderate symptoms of this product is quite strong.
In addition, this product also provides other protection for the insured person's insurance premium exemption for mild or moderate symptoms. That is to say, if the insured person is diagnosed with a temporary illness or mild illness as agreed in the contract for the first time due to accidental injury or after the waiting period, and the specialist of the hospital approved by the insurance company is confirmed to have a temporary illness or mild illness as agreed in the contract for the first time, and the insurance company will exempt the remaining insurance premiums for each period of the contract from the date of diagnosis of the moderate illness or mild illness (excluding the insurance premiums and interest owed before the insured person is diagnosed with a moderate illness or mild illness), and the contract will continue to be valid.
You should know that not all critical illness insurance products provide the insurance exemption of premiums. From this point of view, this product is still very sincere.
2. Is Xiaohonghua Critical Illness Insurance (exclusive to the Internet) worth buying?
After the above analysis, I believe everyone has a deeper understanding of this product. Overall, this product is excellent. For example, the payment method is rich and flexible, the protection content is also comprehensive, and the compensation for minor and moderate symptoms is also very strong.
In addition, this product also provides optional guarantee with relatively strong guarantee. For example, major disease care bonus, additional insurance for severe malignant tumors, specific cardiovascular and cerebrovascular diseases additional insurance, death insurance or total disability insurance, policyholder premium exemption .
So, you can take out insurance according to your own protection needs.
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