First release: Beautiful young man Xiao Wenzi
A cute and interesting financial self-media person
Hello everyone, I am the beautiful young man Xiao Wenzi, a little financial blogger who writes interesting articles seriously.
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Every time a new product is launched on the market, there will be such articles saying "xxx products, 5 big pits, 20 small pits"...
Every time I look at it, I feel a black line, and I am speechless.
From everyone's perspective, I understand everyone's mood of "I really want to buy the right insurance, but I'm really afraid of being cheated".
However, we must be clear: There is no "perfect" in anything in the world, so is insurance.
Xiao Wenzi doesn't want to say some mysterious words to make everyone panic. Buying insurance itself is a matter of giving you a sense of security. Everyone Don't let your needs for insurance protection and uncertainty about insurance terms become a tool used by some people with ulterior motives.
Xiao Wenzi has always thought that whether the claims terms of a product are "pits". It is useless to say that they are useless. If you want to compare them, just compare the claims terms of similar products one by one.
Otherwise, isn’t that just “spreading rumors”?
Let’s talk about the “disadvantages”, “pits” and “deficiencies” of Internet celebrity critical illness insurance products and Hetai Life Super Mary No. 6.
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Super Mary No. 6 product form:
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html ml3 Super Mary 6 "deficiency"
(I) Problems in product form
(1) Long waiting period
(1) Long waiting period
Super Mary 6's waiting period is 180 days. This number of days is indeed longer than the 90-day waiting period for some critical illness insurances.
However, most of the Internet critical illness insurance products on the market have all waited for 180 days.
In other words, the waiting period for the high-cost-performance critical illness insurance products we can insure now is 180 days.
So everyone should take this rationally.
From another perspective, does a longer waiting period also mean that to some extent, some people who may "deliberately take out insurance with illness" or "deliberately fraud" have been excluded?
has many customers who cheat insurance. Insurance companies will make strict and careful investigations when making claims. What affects us is that we honestly inform the health and the time limit for those who buy insurance every minute;
has many customers who are honest and have few customers who have issued insurance claims just after the waiting period. The product operation is stable, so the future claims can be more convenient and faster.
Moreover, the waiting period terms of Super Mary No. 6 are very friendly: mild or moderate symptoms occur during the waiting period, and the insurance contract will not be terminated.
just does not bear the claims conditions for this disease, and the contract will continue to be valid. In the future, other diseases can still be compensated.
In terms of this, it is already stronger than the waiting period claims terms for 90% of critical illness insurance products on the market.
The son once said: Misfortune is where blessings depend; blessings are where disasters are where disasters are. We must also look at the length of waiting periods dialectically.
For us, we can provide good health notifications and early insurance to better and safely pass the waiting period.
(2) Lack of Cardiovascular and cerebrovascular diseases Secondary compensation
Some friends with a history of cardiovascular and cerebrovascular family will be more worried that the protection of this disease is not enough and want to strengthen it.
However, Super Mary No. 6 does not have the option to pay for secondary cardiovascular and cerebrovascular diseases, and cannot meet the protection needs of these friends.
But people did not design this additional , so it cannot be said to be a "pit".
Most critical illness insurance products on the market have only expanded the payment of malignant tumors for multiple times, and have not expanded the cardiovascular and cerebrovascular diseases. Some products have no extended protection for malignant tumors.
And Super Mary No. 6 has a "critical illness recovery fund" guarantee that no other critical illness insurance does not have. This itself is an additional secondary compensation guarantee. There is no limit on the disease type. Isn't the scope of secondary compensation guarantee for restricting the disease type?
(II) Problems on product terms
(3) The claims conditions for in situ carcinoma are strictly
Xiao Wenzi also saw someone online that Super Mary No. 6 has strict definitions of the claims conditions for "in situ carcinoma" and requires histopathological examinations, and must undergo active treatment to be paid.
happened to be the case. Regarding the claim for cancer in situ, Xiao Wenzi's friend and insurance blogger "Wenwen Dabao Beier" wrote an article to analyze it.
Conclusion is that no matter how the insurance clause is written, as long as you receive normal treatment for cancer in situ, the final claim results will be the same.
For example, some insurance products do not require "histopathological examination", but this does not mean that such claims are relaxed - because clinically, the diagnosis of in situ carcinoma requires histopathological examination.
In other words, if does not undergo a "histopathological examination", it will not be confirmed that it is "carcinoma in situ", and then it is impossible to conclude "carcinoma in situ".
is not a "histopathological examination" that is not written in the terms, so you can not perform "histopathological examination". It is important to see a doctor.
As for "receiving active treatment", this can be called a pit. I really have nothing to say. Who will not treat it if you have in situ cancer?
Xiao Wenzi really likes Super Mary No. 6 insurance terms that clearly write clearly about what you can pay, what you don’t pay, and what you can pay.
I think this article can be written as a "pit". Not to mention the professional level of insurance, if you use your lack of understanding of medical practice to create panic, your conscience will be completely damaged first.
bullies everyone with little medical knowledge, concerns about insurance claims, accusing the claims conditions of problems, showing that they are so-called professionalism and objective is actually a misleading degree.
The first step to buy insurance is to stay away from people with bad intentions.
(4) Severe cardiomyopathy claims to "last for 180 days"
Primary cardiomyopathy refers to a type of heart disease mainly cardiomyopathy with unknown causes.
is divided into three types according to the type of cardiomyopathy: dilated cardiomyopathy, hypertrophic cardiomyopathy and restricted cardiomyopathy . There are differences in claims for
. The stricter requirement is "lasting for 180 days", while some products do not.
Super Mary No. 6 requires "lasting for 180 days":
Some critical illness insurance products on the market have no time limit for cardiomyopathy claims.
In fact, this matter has even been on the news:
Heart failure is a dynamic process, not continuous, and the prognosis is related to many factors.
Xiao Wenzi looked through most of the insurance product contracts on the market. Most of them had a 180-day limit, a small number of products were limited to 90 days, and a very small number of products had no time limit. The claim condition for
Super Mary No. 6 is the same as most critical illness insurance products. It is not the best, but it cannot be considered a "pit".
Regarding this, Xiao Wenzi also read some experts' explanations -
Sun Fucheng, deputy director of the Department of Cardiology and director of the cardiac catheter department of Beijing Hospital, said:
"Cardous function level IV is already a manifestation of the end stage of cardiac function. If the treatment is correct, the cardiac function can also be restored to level III, or even level II. If various emergency situations or improper treatment, it may also reach level IV again."
Yang Jin, deputy chief physician of the Department of Cardiology at Fuwai Hospital, Chinese Academy of Medical Sciences, also said that "Level 4 of heart failure" is a relatively serious state. Some people may recover quickly after the problem is corrected, and some people will die soon because they are too serious.
Friends who care about this can focus on products that do not limit the claims time.
But Xiao Wenzi would like to remind everyone that major disease insurance often protects nearly 200 diseases. It is impossible that the claims conditions for each of these 200 diseases are the loosest in the industry. Everyone must take this objectively.
Xiao Wenzi's suggestion is that when is more concerned about the type of disease when selecting products, it tends to be the one with more relaxed terms. However, if the claims standards for each disease are required to be the loosest in the industry, it is definitely impossible.
(5) Severe Myocarditis claims require "lasting for 180 days"
Super Mary No. 6's severe myocarditis claims also have time limits, requiring "lasting for more than 180 days".
is also a common problem. Most insurance companies have 180 days for duration, while a small number of them require 90 days.
Friends who care about this can focus on products that require short claims time.
But Xiao Wenzi would like to remind everyone that major disease insurance often protects nearly 200 diseases. It is impossible that the claims conditions for each of these 200 diseases are the loosest in the industry. Everyone must take this objectively.
Xiao Wenzi's suggestion is that when is more concerned about the type of disease when selecting products, it tends to be the one with more relaxed terms. However, if the claims standards for each disease are required to be the loosest in the industry, it is definitely impossible.
After reading so many words, I believe you must have discovered that is not a big pitfall in the terms of the product, but more of a small difference in the claims standards for individual diseases.
In fact, all insurance products are designed to be a result of the value trade-offs of multiple parties.
Brand value, guarantee cost, and claims probability will all be balanced when the insurance company designs products.
"For traffic, there are pitfalls" behavior, there is no need.
insurance terms are there. Even if you don’t understand medicine, you can tell the reason if you compare it with multiple comparisons.
Whether there are any pitfalls in insurance products, we can see through the comparison terms;
But some people who make a fool of themselves and gain traffic by writing so-called "insurance pits" have any pitfalls in their consciences.
Xiao Wenzi really doesn't want to speculate on others with the most malicious ideas, but I do want to tell everyone that insurance really doesn't have that many "pits".
Wenwen Dabao Beier wants to be a warm and kind person and a decent insurer in the insurance industry.
also wishes us to be warm and pure throughout our lives, and we will not give up love and freedom.
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