What are the pitfalls of Dehua's Gubernard Critical Illness Insurance (Premium Edition)?

Dehua's Gubernard Critical Illness Insurance (Premium Edition) can be said to be a critical illness insurance product with relatively high sales volume in the market. This product has a high overall cost performance, complete guarantee and high compensation ratio. In addition, what are the characteristics? The following senior sister will take you to know!

Of course, before the evaluation, we need to find out what characteristics of critical illness insurance can be regarded as high-quality critical illness insurance. After knowing this standard, we can compare it with Barnard's critical illness insurance and judge whether it is worthy of consumer consumption:

"Good critical illness insurance long like this! I have been cheated for so many years ... "

1. Is the premium version of Dehua's ancient Bannard critical illness insurance guaranteed?

Let's take a look at the protection map of Dehua's ancient Bannard critical illness insurance (premium version):

Dehua Gubanad is a critical illness insurance with multiple payments. The insured can still enjoy his protection before the age of 105, which is actually equivalent to lifelong protection. The content of guarantee is diverse. Sister Xue leads everyone to analyze the advantages and disadvantages of this product one by one:

1 advantage, Dehua's Gubanad critical illness insurance (premium version)

(1) comprehensive guarantee

Both mild and severe diseases are covered by Gubanad's critical illness insurance (premium version) in Dehua, and the basic protection is complete, as well as special diseases with high incidence in all ages. There are also many nursing supplies in the set. In addition, there are insurance exemption and death protection responsibilities. Generally speaking, Barnard's critical illness insurance (premium version) can almost meet our requirements in terms of coverage content.

(2) Strong protection for special diseases.

For men and women, special diseases and children's special diseases, extra compensation can be guaranteed by 50%, and for high-incidence cancer in situ, it can be guaranteed by 20%. Serious diseases are called overweight. The more compensation we get, the less pressure we have on the cost of treatment.

(3) Excellent death protection settings

For the listed critical illness insurance, if it is under 18 years old, the premium paid will be paid. After 18 years old, the beneficiary will get the basic insurance amount. /kloc-people under the age of 0/8 can choose the Dehua ancient Bannard critical illness insurance (premium version) specially developed for them. If there is an accident, you will get 200% of the premium,1the cash value of claims for people aged 8 and above, or the maximum insured amount, which greatly improves the death value of the insured.

2. The shortcomings of Dehua Gubanade critical illness insurance (premium version)

(1) The basic guarantee compensation conditions are poor.

Dehua Gu Barnard's critical illness insurance (exclusive edition) pays 50% for 2 1 China disease 1 times. It is not helpful for us to pay only 30% for mild illness every 90 days, and to protect the age limit before the age of 88.

At present, there are many critical illness insurances in the market. More and more China diseases have achieved 60% coverage in terms of payment, with more than two times of payment, while mild diseases have achieved 30% payment without interval. In contrast, Dehua Cuba Nader critical illness insurance (premium version) has done too much in terms of payment conditions.

(2) The grouping of serious diseases is unreasonable.

Although Dehua's Gu Barnard Critical Illness Insurance (premium version) can pay for three times, but for that kind of high-incidence cancer, and it has not been grouped separately, if it is the second time in the same group, it can't be applied, and the probability of claim will be shortened.

(3) the premium is more expensive

A 30-year-old male insured Dehua Cuba Nader's critical illness insurance (premium version) with an annual payment of 1 1890 yuan, which will be paid in 30 years. The premium of similar products on the market is less than its premium, which is more suitable for people with higher budgets.

The advantages and disadvantages of De Hua An Gu Barnard's critical illness insurance (premium version) have not been finished yet, because there are still many, but the article is limited in space, so senior sister will not elaborate here. Welcome everyone to click on the following article to understand:

"fooled by Barnard's critical illness insurance premium version?" I was disappointed after reading it ... "

For friends who need critical illness insurance, Senior Sister has prepared a list of critical illness insurance for everyone. Friends can take it, or you can take it back and do a comparative test yourself:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

To sum up, compared with the other three products, this product is not competitive except for special disease protection, so it is not worth buying and is not suitable for most working families to insure.

Write it at the end

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