What are the disadvantages of Tong 202 1?

Tong 202 1 is very popular on the internet, and it is said that it is cost-effective.

There are also many small partners asking, is the price/performance ratio of Tong 202 1 really that high? Is it really worth buying?

That senior also took this opportunity to have a good talk with you today, and friends who have not yet configured critical illness insurance should also come and have a look!

Before preparing the introduction, please take a look at the comparison between this critical illness insurance of Tong 202 1 and the popular critical illness insurance:

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

First, Tong 202 1 Critical illness insurance coverage is open!

As usual, old irons, let's take a look at the product map of Tong 202 1 critical illness insurance:

Tong 202 1 Critical illness insurance is a lifelong critical illness insurance, which has the functions of pre-illness protection and multiple compensation for critical illness. It is reported that the product also includes hospitalization care allowance for the elderly over 60 years old.

So, the coverage of this critical illness insurance 202 1 is still very comprehensive? Want to know if the content of the guarantee is good? You can continue to look below.

1, critical illness insurance coverage is poor

This child 202 1 critical illness insurance product is regarded as multiple compensation critical illness insurance. Compared with other critical illness insurance, the payment interval of 180 days is too long. Although there are five payments, the total interval is as long as two and a half years, and the basic payment coverage rate is 100%. Senior sister can only say that this is actually "the golden jade is outside, and the defeat is among them"! You can keep reading if you don't believe me.

We should know that the proportion of critical illness insurance payments for excellent critical illness insurance in the market is increasing in turn, with an increasing rate of 20%. The advantage of incremental payment is that the more times, the higher the payment ratio. For example, if there are five payments, 180% of the basic insurance amount is the highest payment.

Just like Ruyi Gourd critical illness insurance under Xintai Life Insurance, the critical illness insurance coverage of this product is as high as 6 times. When you are under 60 years old, as long as you are diagnosed with a serious illness for the first time, you can get an extra 80% coverage.

If the insured amount is also 500,000 yuan, and it is diagnosed as a serious illness before the age of 60, the compensation amount of 500,000 yuan is already the highest amount that can be paid by Tong 202 1 critical illness insurance, but the first edition of Ruyi Hulu has the highest compensation amount of 900,000 yuan.

Tong 202 1, both of whom are seriously ill, is very poor compared with the hatchback!

2. The grouping of serious diseases is unreasonable.

Grouping of critical illness refers to dividing all critical illness of Tong 202 1 Critical illness insurance into different groups, each group of diseases will have a claim amount, and diseases that are not in the same group can be paid multiple times.

In itself, it is a multi-compensation pass 202 1 critical illness insurance, and the focus of people's attention is whether the grouping of critical illness insurance is reasonable!

The senior sister of Tong 202 1 critical illness insurance products has pulled out some contents. The grouping of critical illness insurance for this product is obviously unreasonable. Please see the picture below:

Malignant tumor is not independent of group communication 202 1 critical illness insurance.

In the final analysis, in order to increase the probability of multiple claims, we must not let the probability of serious illness in the same group be too high.

Obviously, Tong's 202 1 critical illness insurance failed to do this, which reduced the probability of the insured's claim, so that the insured's claim was frustrated at the same time!

So this has made many small partners start to struggle. Is it better to buy group critical illness insurance or not? You will be clear after reading the following article:

Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》

3. The insurance age range is not wide.

The age of this child 202 1 critical illness insurance can range from 28 days of birth to 59 years old. If you are over 60, you have no right to insurance. Really not friendly enough!

As far as people know, the highest age of excellent critical illness insurance in the market is 65 years old, but children's 202 1 critical illness insurance directly excludes people aged 59-65.

Therefore, the elderly over 59 years old are rejected by children's 202 1 critical illness insurance!

If it weren't for the evaluation of senior sister, many friends might be cheated again. It is hard to accept that, after in-depth analysis, the senior sister learned that Tong's 202 1 critical illness insurance was mean to the elderly and concealed its shortcomings.

Second, I thought children's 202 1 critical illness insurance was king, but I didn't expect it. ...

The inpatient care allowance of Tong 202 1 Critical illness insurance is also part of the critical illness insurance coverage.

Tong 202 1 critical illness insurance has been agreed. If you are hospitalized after the age of 60, it is 0. 1* of the basic insurance amount.

If the child's 202 1 critical illness insurance is paid after the hospitalization care allowance, then when paying the first critical illness insurance and death insurance, it needs to be deducted just like the hospitalization care allowance insurance already received.

If you don't believe me, just look at the product terms:

I thought it was particularly powerful, but the seniors didn't think it was not powerful!

If you want to know what other critical illness insurance is worth buying, don't miss this article:

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

Third, the summary of the senior sister

In short, although the cost-effectiveness ratio of critical illness insurance under Centennial Life Insurance is indeed well-known, such as the Kanghuibao series of Million Life Insurance, it soon became the content of * * *.

Tong 202 1 has the lowest critical illness insurance level among the critical illness insurance products of Centennial Life Insurance, even though this product is the highlight of pre-illness insurance and hospitalization care allowance insurance.

However, there are also some unsatisfactory places. These defects are mainly: poor security, unreasonable distribution, hospitalization care and insurance premiums occupying critical illness insurance, and so on.

Speaking of which, I'm just sad. Senior sister does not recommend it!

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!