Many friends couldn't bear to hear "refundable" and "long-term guarantee", and they came to ask the senior sister if this product was good. Is it cost-effective?
After the evaluation of the senior sister, I found that the accident insurance scheme of Shuidi 1 is really not as good as everyone imagined!
Next, let's take a look at the evaluation of the senior sister!
1. Shuidi 1 What are the advantages of the accident insurance plan?
As usual, let's go to the protection chart first and get to know the product form:
The information in the picture is very obvious. We can easily know that the accident insurance scheme of Shuidi 1 is not complicated.
Below, the senior sister will focus on the highlights and give you a plate of this product.
1. Comprehensive protection and sufficient insurance coverage.
The accident insurance plan of Shuidi 1 covers comprehensive accident protection, including accidental death/total disability, and is also equipped with specific accident protection. In addition, the insured can also choose accidental medical insurance.
In addition, the accident protection of this product is not low.
The maximum compensation for general accidental death/total disability can reach 6.5438+0 million, and the aviation accident can even reach 6.5438+0 million. Even accidental medical treatment can reach 300,000 yuan, and the guarantee amount is very abundant.
It is said that buying insurance means buying insurance coverage, and sufficient insurance coverage can make our sense of security full. I have to say that the accident insurance scheme of Shuidi 1 is really commendable ~
2. Loose professional requirements
At present, most accident insurance products can only cover 1-4 occupational groups. It is really difficult for 5-6 professional groups to buy their favorite accident insurance products.
But relatively speaking, the accident insurance plan of Shuidi 1 has a wider range of occupations, excluding high-risk occupations, and all common occupational groups can be insured.
I don't know what kind of professional group I belong to. Let's take a look at what the experts say:
What is the impact of occupational restrictions on insurance? Please collect these 6 types of occupational insurance guides as soon as possible! 》
Although the accident insurance plan of Shuidi 1 has many benefits, it is not good for everyone to start in a hurry.
Because, this product also has two major defects.
Let's first consider whether to accept the shortcomings of the accident insurance scheme of Shuidi 1. Everyone is making a decision. Don't worry.
2. What are the shortcomings of the accident insurance plan of Shuidi 1?
1. There are many unexpected medical restrictions.
Accidental medical treatment is designed for water drop 1 accident insurance, and medical expenses beyond the insurance scope cannot be reimbursed.
And as long as we use it every time, there is a 200 yuan deductible, so it seems that every time there is a small accident, 200 yuan will become our own expense, which is not a small expense in the long run.
The maximum annual compensation for accidental medical treatment under the accident insurance scheme of Shuidi 1 is only 30,000, that is to say, if the cost exceeds 30,000, it must be solved by itself. ...
2. The premium is relatively high.
Because of the accident insurance plan of Shuidi 1, the coverage is complete, the insurance amount is high, and the return responsibility is also covered. The price is naturally not cheap, and it costs thousands of premiums a year, which is more expensive than accident medical insurance.
You can look at this example:
If you are insured at the age of 30, the guarantee period is 30 years, and the premium is paid at the rate of 20 years. Excluding accident medical insurance, the cost is 4 132 yuan per year. If you add more than 2,000 yuan, you can choose to add accident medical insurance, which costs 6 150 yuan every year.
For this payment level, for ordinary families, the payment pressure is not small.
After all, the space is limited, and the accident insurance scheme of Shuidi 1 ends here. If you want to know more about the accident insurance scheme of Shuidi 1, you can read this evaluation article:
Is the accident insurance scheme of Shuidi 1 worth buying? The three major defects must be clearly seen before buying! 》
Third, summary.
To sum up, the accident insurance plan of Shuidi 1 is cost-effective, providing not only accidental death/total disability protection, but also disease death/disability protection. The highest reimbursement for aviation accidents is100000 yuan, and the highest reimbursement amount is 300000 yuan.
However, it should be noted that this product has its own responsibility for returning goods, so it is much more expensive than ordinary accident insurance in price. The accident insurance plan of Shuidi 1 is more suitable for people with high income who need to travel frequently.
Finally, these accident insurance products with excellent guarantee and affordable price combed by senior sister can provide reference for everyone, and friends in need should not miss it:
In 2023, the most worthwhile accident insurance is here.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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