Critical illness insurance is a kind of payment insurance product, which can deal with income loss or medical expenses caused by serious illness. It is very practical, but it is more expensive. If you want to judge whether the product is worth buying, you can look at the product guarantee content, highlights, cost performance and so on. Let's take PICC Life Insurance's products as an example to see if PICC is worth buying for its critical illness insurance. I'll teach you a few ways. Let's have a look.

Method 1: Look at the content of product guarantee.

Nowadays, there are more and more protection responsibilities for critical illness insurance products on the market. Not only is there no shortage of basic responsibilities, but there are also many supplementary responsibilities. The insured can choose flexibly according to the security demand and premium budget. For individuals, the more comprehensive the coverage and the higher the proportion of compensation, the more worthy of consideration. We take PICC's critical illness insurance as an example:

First of all, let's take a look at the basic information that people can enjoy the critical illness insurance in Baika:

The compulsory liability of this product only includes 120 kinds of serious diseases, 20 kinds of specific cardiovascular and cerebrovascular diseases and death protection, while the protection of mild and moderate diseases is optional, and old-age security can also be added, so the insured can ensure flexible choice of needs. Among them, severe diseases and moderate diseases can only be compensated once, and mild diseases can be compensated multiple times without grouping, but the compensation ratio is low. For mild cases, compensation can be made for up to three times, and only 20% of the insured amount is paid for each time, and only 50% of the insured amount is paid for moderate cases.

Method 2: See if the product highlights are outstanding.

There are many critical illness insurance products in the market, and the competition is fierce. If the product has no outstanding advantages, it is difficult to stand out among similar products. Looking at the highlights of critical illness insurance, we can focus on special protection and cost performance. Let's take life insurance as an example:

1, good cardiovascular disease protection: it comes with 20 kinds of specific cardiovascular serious diseases protection. If the insured is diagnosed before the age of 60, he can not only pay 100% of the basic insurance amount, but also pay an additional 50% of the insurance amount, thus improving the protection of cardiovascular serious diseases.

2. Flexible protection: the basic responsibility of this product only includes the protection of serious illness, death and specific cardiovascular diseases, and mild and moderate diseases can be flexibly increased to meet the protection needs of different groups of people.

3. Optional endowment assurance: If you prefer return insurance, you can add old-age security. During the insurance period, you can choose to keep it for 30 years until you are 60/70/80 years old. If the insured does not make claims for serious illness during the insurance period and still exists after the expiration of the insurance period, the premium and insurance amount paid can be returned at the expiration.

4. Additional medical insurance is good: this product can also be provided with additional medical insurance, including hospitalization small medical insurance and nursing million medical insurance, which can cope with the risk of medical expenses.

Method 3: Look at the product cost performance.

Among the guaranteed insurance products, the pricing of critical illness insurance is relatively high, especially for long-term products, with an annual premium of several thousand or even ten thousand yuan, but the pricing of different products is different. For us, the higher the cost performance, the more worthy of consideration. Let's take life insurance as an example:

If the 30-year-old population is insured, for example, the insurance amount is 500,000, which guarantees life, and the premium is paid in 28 years, including basic liability+minor illness protection, and the insured enjoys double protection.

1, everyone enjoys the privilege: 30-year-old male 1 1850 yuan/year, 30-year-old female 10800 yuan/year;

2. Taiping Shengshi (29 years): 30-year-old male1kloc-0/650 yuan/year, 30-year-old female 10800 yuan/year;

3. Hetai Super Mary No.7 Classic Edition (30 years): 8325 yuan/year for 30-year-old men and 7620 yuan/year for 30-year-old women.

Let's stop here for the question of whether it is worthwhile to buy double critical illness insurance. I hope the above content is helpful to you.