The worry-free care insurance of Bank of Communications Life Insurance is very popular on the Internet. I heard that the cost performance is very high, and many friends are asking, is the cost performance of Bank of Communications Life Insurance really that high? Is it really worth buying?

Today, senior sister will take a look at the worry-free care insurance of Bank of Communications Life Insurance to see if it is really so excellent.

Before starting the evaluation, you may want to know some precautions for purchasing insurance:

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

1. How about Bank of Communications life insurance?

According to the old rules, senior sister has compiled the protection map of this product for everyone. You can have a look first:

1, insurance rules

Combined with the protection map, it is not difficult to see that the initial insurance of Bank of Communications Life Care and Worry-free Care Insurance gives people aged 65,438+08-70 the opportunity to insure, while the non-initial insurance gives people under 80 the opportunity to insure.

However, the warranty period of this product is short, only 1 year, and there is no renewal guarantee. It can be understood that after the end of the insurance period, the insured needs to re-insure, get the approval of the insurance company, pay the premium and get a new insurance contract.

The waiting period of this product includes 90 days. The waiting period is simply the observation period and exemption period of the insurance company. For example, if the insured has an insurance accident due to unexpected factors within the specified time after the insurance takes effect, the insurance company refuses to pay compensation.

Therefore, the shorter the waiting period, the better for the insured, if there is no difference in other circumstances.

However, do you have to lose money when you are in danger during the waiting period? Not necessarily, friends will know after reading this article:

"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》

2. Guarantee content

As shown in the figure, the guarantee content of Bank of Communications Life Insurance has stipulated specific disease care insurance premium and accidental hospitalization insurance premium.

If the insured is diagnosed as an agreed special disease for the first time after the waiting period and meets the corresponding nursing status, he is still hospitalized. If he meets the conditions, he can apply for special disease care insurance money.

It should be noted that for the same special disease, the insurance company only undertakes the responsibility of setting the special disease care insurance premium according to one of the two payment methods.

If the insured chooses a nursing institution designated by the insurance company to provide care, generally speaking, the insurance company will refer to the actual daily in-hospital nursing expenses and out-of-hospital nursing expenses for those who meet the requirements during the insured's nursing state.

Once the accumulated days of in-hospital care and out-of-hospital care reach the upper limit agreed in the contract, this insurance liability will become invalid.

If the insured does not intend to choose the above method, generally speaking, during the insured's nursing state, if the hospitalization expenses of the insured in the hospital meet the requirements, the insurance company will multiply the actual hospitalization days by the special care insurance premium paid by 300 yuan.

When the accumulated hospitalization days reach the upper limit agreed in the contract, the insurance liability will not continue.

There are also two ways to add accident hospitalization insurance for this product.

If the insured is hospitalized due to an accidental injury accident and reaches the corresponding accidental injury care status and meets the conditions, the insured can freely choose to provide care in the nursing institution designated by the insurance company, or not through the above methods.

Eligible, the insurance company respectively according to the actual daily hospitalization expenses and out-of-hospital nursing expenses, the actual hospitalization days multiplied by 300 yuan to pay the accidental hospitalization insurance money. When the accumulated days of in-hospital care and the days of out-of-hospital care/actual days of in-hospital care reach the upper limit agreed in the contract, this insurance liability will become invalid.

So you can choose the appropriate payment method according to your actual situation and needs.

If you want to know more about Bank of Communications Life Insurance, you can read the following:

Can Bank of Communications lifelong care insurance be "worry-free"? I found these truths ... "

Second, is the worry-free care insurance of Bank of Communications Life Insurance worth starting with?

Look at the insurance conditions first. The first maximum age of life-long care insurance of Bank of Communications covers 70 years old, which is very caring for the elderly, but there is no way to insure this product for minors with nursing needs.

Then look at the guarantee content. This product is provided with special care insurance and accidental hospitalization insurance, and you can freely choose the payment method. However, it should be noted that this product is a short-term care insurance, and the guarantee period is only 1 year, and there is no guarantee for renewal.

On the whole, Bank of Communications whole life insurance is not worth buying because of its low cost performance and insufficient guarantee.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.

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!