Is Hong Zhong Insurance Health Hongxing OK? What are the characteristics?

Hong Zhong insurance is still a little ordinary in terms of health care responsibility, but a little hard in terms of mild and chronic diseases, and the pricing is still a little expensive. This product of Hong Zhong continues the consistent product style, and it can still triple the compensation by grouping serious diseases. In order to enhance its attractiveness, it increased the insurance amount for the second and third serious diseases, with the second serious disease compensation of 65,438+030% and the third serious disease compensation of 65,438+050%.

First, the advantages of Hong Zhong Health Red Star critical illness insurance:

1, Hong Zhong Jiankang Hongxing has paid for serious illness for three times, and the later the number of times, the higher the insured amount, followed by 100%, 130% and 150% of the basic insured amount. Assuming that only from the comparison of the number and proportion of serious illness compensation, Hong Zhong Health Hongxing kills other ordinary products every minute. Many critical illness insurances only cover 100%. Suppose you buy a critical illness insurance with a coverage of 500,000 yuan, which meets the compensation standard. Others only pay 500,000 yuan, while Hong Zhong Jiankang Hongxing pays 750,000 yuan at most. The higher the claim, the more you can reduce the burden brought by the disease.

2, mild and severe diseases can be avoided.

If the insured unfortunately suffers from mild or severe contract for the first time, he can be exempted from the subsequent premium of the contract, ensuring uninterrupted protection and avoiding worries.

Second, the shortcomings of Hong Zhong Healthy Red Star:

1, lack of traditional Chinese medicine protection

In most cases, an excellent critical illness insurance must include the protection of serious illness, moderate illness and mild illness, and some even cover the protection before illness. However, Hong Zhong Health Red Star has no protection against China's disease. How can such a good job have a good impression on security? You know, this can be said to be the norm of critical illness insurance. Its existence can not only reduce the compensation standard for serious diseases, but also make different degrees of diseases get different compensation.

2. The second payment for cancer lacks important guarantee.

Many times, critical illness insurance pays for cancer, and the treatment cost is difficult to bear, and it is easy to relapse. General critical illness insurance products will be supplemented by cancer secondary payment to improve the probability of payment. However, Hong Zhong Health Red Star has no such guarantee at all, and its setting is not humanized enough.

3. The guarantee period is not regularly selected.

At present, many critical illness insurance can be guaranteed for life, and it is convenient for consumers to choose how to choose. However, Hong Zhong Jiankang Hongxing is only a lifetime guarantee, which means that the premium will be more expensive, and friends with very general budgets should think clearly.

4. Long waiting period

At present, the waiting period of popular critical illness insurance is generally 90 days, but the waiting period of Hong Zhong Jiankang Hongxing is already 180 days. It should be understood that during the waiting period, the critical illness insurance company will not give claims. In short, the shorter the waiting period, the better, so that consumers can enjoy protection earlier.