A considerable number of my friends decided to buy insurance because they were diagnosed with a disease.
The worse your health is, the more you want to buy insurance.
But insurance is the hardest to buy when you are not feeling well. Either you are directly denied coverage, or you are charged a fee or have an exclusion …
Especially for those friends who have hepatitis B, lung nodules, breast nodules, and three highs, it is very difficult to buy insurance.
Don’t worry if you have a non-standard body type, you can choose products with relaxed health insurance and underwriting.
PICC has launched a critical illness insurance with a very relaxed health notice – PICC i Worry-free Easy Review Edition, which is very friendly to people with non-standard body types. People with the following diseases have the opportunity to be insured:
– Nodules: breast nodules, thyroid nodules, lung nodules
– Three highs: diabetes, hypertension, and hyperlipidemia
– Other diseases: Hepatitis B, kidney stones, gallbladder polyps, hyperthyroidism and hypothyroidism, common gynecological diseases, etc.
How about this product, PICC i Worry-free Easy Review Edition Critical Illness Insurance? What are its advantages and disadvantages? Is it worth buying? Let’s find out together ~
PICC i Worry-free Easy Review Edition
1. What about the PICC i Worry-Free Easy Review Edition?
PICC i Worry-free Easy Review Edition Critical Illness Insurance is available for purchase from 30 days to 65 years old; it supports occupations 1-6 , including police, firefighters and other high-risk occupations. The coverage period can be 70 years old / lifetime, with a maximum coverage of 300,000 yuan.
The PICC i Worry-free Easy Review Edition of critical illness insurance is very simple. The required liability is to protect 28 types of critical illnesses and 3 types of minor illnesses. Death protection is an optional option and is not bundled.
– 28 statutory critical illnesses will be compensated once, 100% of the insured amount.
– One compensation for each of the three statutory minor illnesses, 20% of the insured amount, and the requirement is that the patient is under 70 years old and has no confirmed serious illness.
– Death compensation of 100% of the insured amount (optional liability)
Some friends may question, “There are only 28 types of serious illnesses covered, isn’t that a rip-off?”
These 28 serious diseases were jointly released by the China Insurance Association and the Chinese Medical Association, accounting for more than 90% of all disease claims. Most products on the market cover more than 100 serious diseases, most of which are relatively rare or just for the sake of numbers, so it is completely sufficient to cover these 28 common serious diseases.
2. What are the highlights of PICC i Worry-Free Easy Review Edition?
Highlight 1 : There are only 3 health declarations, and you can get insurance if you pass them
The PICC i Worry-Free Easy Underwriting version has only three health declaration items, and after passing them, there is no need for intelligent underwriting or manual underwriting.
① No inquiry was made into the history of non-standard, excluded or surcharged insurance, nor was any inquiry made into the history of long-term medication and family medical history;
② The questions asked were about relatively clear and objective diseases and examination abnormalities, and no questions were asked about disease symptoms, such as dizziness and blood in the stool;
③ The number of diseases inquired was not large, and most of them were serious diseases;
④ Only medical behaviors such as hospitalization, surgery, and abnormal examinations are inquired, and the surgery / hospitalization is traced back to the past 2 years, which is a relatively short period of time. Surgery / hospitalization for many minor illnesses is also listed as an exception.
Therefore, if you already have minor health problems, the chances of successfully purchasing the PICC i Worry-Free Easy Review version of critical illness insurance are indeed quite high.
Highlight 2 : The insurance threshold is low, and occupations from 1 to 6 can participate
Most critical illness insurance plans only support up to 55 or 60 years old, but the iWorry-Free Easy Edition supports up to 65 years old, which is very friendly to elderly customers. Moreover, it can be purchased for occupations 1-6, and high-risk occupations can also be easily insured.
Highlight 3 : The basic liability is practical, not bundled with death liability, and the price is cheap
The basic liability only covers statutory serious illnesses and minor illnesses, and does not include death liability, which greatly reduces the pressure on premiums.
Highlight 4 : Underwritten by PICC Life Insurance, a large insurance company and a big brand that is trustworthy
The underwriter of the iWorry-Free Easy Review version is China People’s Life Insurance Company Limited ( PICC ), with a paid-in capital of RMB 25.761 billion. It is very strong, and its shareholders are even more powerful:
The People’s Insurance Company of China (Group) Co., Ltd. holds 71.077% of the shares of the People’s Life Insurance Company of China and is the controlling shareholder of the Company;
The Ministry of Finance of the People’s Republic of China holds approximately 60.84% of the shares of China Life Insurance (Group) Co., Ltd. and is the controlling shareholder and actual controller of China Life Insurance (Group) Co., Ltd. PICC i Worry-free Easy Review Version
3. Is the PICC i Worry-Free Easy-to-Certify version worth buying?
At the age of 30, you insure for 300,000 yuan, pay for 30 years, and cover for life, 5,760 yuan / year for men and 5,460 yuan / year for women.
For a critical illness insurance with such a loose health declaration, this price is very reasonable. It is very suitable for the following people:
① People who have some minor health problems and dare not buy critical illness insurance or have been rejected for insurance due to illness.
② People who have major illness protection but cannot add insurance when they have minor health problems.
③ For non-standard body groups, their previous critical illness insurance policies have always been excluded from coverage, and the PICC i Worry-Free Easy Review version can fill the gap.
④ For the elderly, the maximum insurance age for PICC i Worry-Free Easy Verification Edition is 65 years old, and the age requirement is relaxed.
