Whitman Insurance 21 critical illness insurance can be said to be very hot on the Internet, I heard that the cost-effective is very high, and there are a lot of partners are asking, so its cost-effective is really so high? Is it really worth buying? We will then come to the detailed evaluation evaluation!

Before the main text, let's first understand what a good critical illness insurance looks like:"A good critical illness insurance originally looks like this! You've been lied to for so many years...

Without further ado, the text begins!

I. What's covered in the Whitman 21 Critical Illness Insurance? What are the highlights?

Sister to help you sort out the Huimin insurance 21 protection information, if interested, you can take a good look:

In the eyes of the sister, the biggest advantage of Huimin insurance 21, the proportion of light and serious illnesses, Huimin insurance 21 on light and serious illnesses are up to three claims have been qualified, and the proportion of the claim is 30%, 60% of the amount of the policy.

Even so, I still want to say to you, with 30%, 60% of the light and medium illness payout ratio of the product is not rare, but compared with those who only pay 25%, 45% of the amount of coverage of the critical illness insurance,hollister france, Huimin Bao 21 to still a bit of a conscience in it.

And the six-payout rule for the 21st is not flexible, with only "three minor illnesses and three moderate illnesses," which is not comparable to those that can be freely combined with a critical illness insurance policy.

Additionally, the 90-day waiting period required to obtain coverage for the 21st Critical Illness Insurance policy is undoubtedly advantageous to those who wish to obtain quick coverage, as the insurance company will not pay out any claims in the event of an accident during the waiting period!

There aren't a lot of pros, now that that's out of the way, the obvious cons are the next thing to talk about writing. If you want to be insured, you need to know if you can tolerate these shortcomings.

Two, Huimin Insurance 21 Critical Illness Insurance has no faults? Who believes that?

In the opinion of my sister, the shortcomings of Huimin Bao 21 critical illness insurance are these:

1. Cancer coverage is not powerful

There are 28 kinds of major diseases that must be insured by the critical illness insurance, and in this case, cancer is the highest incidence. So the protection of it we all need to pay attention to, however, Huimin insurance 21 this insurance do, let a person greatly disappointed.

First diagnosis of malignant tumors - severe, if the basic sum insured is higher compared to the cash value, and 100% of the sum insured plus 30% of the sum insured of the care fund has been the full amount of Huimin Bao 21 benefits, invested 500,000 yuan, the compensation for us is only 450,000 yuan!

But for some products, the additional benefit for those under 60 years of age can be up to 80% of the sum insured, which is as much as $900,000 - the difference is still quite astonishing.

Some people see that Huimin Insurance 21 can provide an additional 50% of the sum insured for ECMO treatment, so they think that Huimin Insurance 21 is a good choice. They think that the benefit of Wyoming Insurance 21 can also be as high as 180% of the insured amount. There are certain conditions that need to be met for this benefit.

First of all, ECMO treatment is only used when there is severe heart or lung failure, and only if it is a life-saving measure for the patient in an emergency department or intensive care unit, etc. Once the procedure is done, you will be able to receive another 50% of your coverage.

I'm sorry to say that if this surgery is not done at all, the only amount you will be reimbursed is $450k. In that respect, there are indeed strict requirements.

In addition to wanting to attach a malignant tumor secondary claims, in this product is not allowed, cancer protection is not very comprehensive. Some friends think that this kind of protection is useless, it is time to read the following introduction:"Is it necessary to attach the second cancer compensation? If you don't understand these points, you'll be spending money for nothing!

2. Premiums are expensive

The content of the coverage is similar to that of the Huimin Bao 21, which costs more than $13,700 to insure. However, there are a number of critical illness insurance policies with lower premiums than it.

What makes the premium expensive is that it is set for an inflexible payment period. There is also the period of cover which is limited.

As long as you pay the premiums for a long enough period, you can spread them out a little less each year afterward. But 20 years is the limit for the Benefit 21, which is a bit less than the 30-year premiums for critical illness insurance.

Price-wise, whole life Critical Illness Insurance is a bit more expensive than term Critical Illness Insurance, which is exactly what Huimin Insurance 21 is. These two seem to be the elevated version of Bai Suzhen and Xiaoqing, so this price rises faster than the water flooding the mountain~

But Huimin Bao 21 still has a lot of problems, and the other problems are written in the follow-up article, you can pay attention to:"How about "Huimin Bao 21"? Make sure you know before you buy!

Schoolmarm summarizes:

In summary, Huimin Bao 21 Critical Illness Insurance is not cost-effective, although the basic coverage is more comprehensive, but the cancer coverage is not strong, and the price advantage is not obvious, it's not worth buying.

Written in the end

I'm a schoolboy talking about insurance, focusing on objective, professional and neutral insurance assessment;

If the above has not solved your problem, you can also come to the public number of the schoolboy talking about insurance to consult me;

It is a good thing that you have a lot of experience in the field. p>

I will give you the most professional advice with years of experience in configuring insurance for 10W+ families.

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