Today, senior sister will take a look at PICC family comprehensive risk protection plan with you to see if it is really so excellent.
Before starting the analysis, this pit avoidance manual for purchasing insurance is presented to you:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
First, the protection content of the comprehensive risk protection plan for the whole family is announced!
As usual, Senior Sister presents the product diagram of the comprehensive risk protection plan for the whole family:
Senior directly gives the conclusion:
1. Family accidents and medical security settings are intimate.
The accident and medical protection of the family comprehensive risk protection plan includes accidental death and disability of family members, accidental injury medical treatment of family members and accidental hospitalization allowance for family members.
It should be noted that the provisions on family members' accidental hospitalization allowance in this guarantee responsibility are as follows:
Every time an accident happens, you have to pay for it for 3 days. Similarly, the maximum number of days for each accident is 30 days, and the total number of days for the whole family shall not exceed 180.
What do you mean by absolute deductible?
In other words, this is the "admission fee"/"deductible line". Even after reaching the deductible, only the part above the deductible is paid, and the insured still has to bear the expenses below the deductible.
However, the accidental hospitalization allowance for family members of the family comprehensive risk protection plan is free for 3 days.
Simply put, if the insured suffers an accident for more than three days, the insurance company will pay the hospitalization allowance to the insured after three days. If it is less than three days, the insurance company is irresponsible!
2. Analysis of COVID-19's death protection.
Take a look at the product drawing of the comprehensive risk protection plan for the whole family, and you will know that COVID-19's death is one of the protection contents of this product, which should have been commendable.
However, the senior carefully looked at it, and there were very few protection objects for COVID-19's death in the family comprehensive risk protection plan. Only the death of the principal insured due to COVID-19 is covered, and only the principal insured is protected, and other family members are not protected.
At present, the epidemic has resurfaced in many places. If a family member is unfortunately infected with COVID-19 virus, is this to let them run naked without any protection?
It can be seen that PICC P&C insurance is not considerate in this respect!
Of course, the comprehensive risk protection plan for the whole family also includes the death and disability of operating vehicles and the responsibility of family property and third parties in the family.
Want to know more about the comprehensive risk protection plan for the whole family, just poke here:
Buy a whole barrel of family comprehensive risk protection plan? Be careful! 》
In a word, this comprehensive risk protection plan for the whole family is very common, and it can be used to transfer risks, minimize the loss of family property and relieve the pressure when facing risks.
Then, where should we face when choosing to insure the family's comprehensive risk plan? The following suggestions are provided by insurance experts!
Second, what are the precautions for insuring the family's comprehensive risk protection plan?
Regarding the precautions for insuring the comprehensive risk protection plan for the whole family, Senior Sister has made the following arrangements for everyone:
Suggestion 1: In the previous evaluation, seniors always focused on buying insurance and put adults before children, but how many people really listened?
In fact, at present, when many people choose the comprehensive risk protection plan for the whole family, they all think that the target groups that need protection are the elderly and children.
Understand that parents can provide the strongest protection for their children, and the economic pillar of the family is usually their own parents. If one day they fall down, what will the children and the elderly do?
Recommendation 2: Make sure before managing money. What is the root of a family? People, of course. Once a person falls, is it still meaningful to plan family property?
Therefore, to spend money on insurance, we must first meet the personal protection of family members, and then the family property planning activities.
Recommendation 3: Before you buy insurance for your children and yourself, improve social security first, which is the basis of security and the welfare given by the state!
Then, further purchase accident insurance and medical health insurance for children or themselves.
Senior sister has insured you for the precautions of the family's comprehensive risk protection plan, so hurry to collect it!
Third, the summary of the senior sister
Generally speaking, the planned price of PICC family comprehensive risk protection is relatively low, and the protection is lacking, so it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Moreover, even if you buy products such as the comprehensive risk protection plan for barrels, the protection of critical illness insurance, medical insurance and accident insurance is essential!
Therefore, the intimate seniors have compiled this configuration plan suitable for all ages. Click here to learn:
How to buy insurance at different ages? Everyone should have his own plan.
Write it at the end
I am an insurance top student, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to top student, the official account of WeChat, 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: top student said that the insurance cost is low, so buy the right insurance!