Is Zhonghong Insurance s health macro star good? What are the characteristics?

Zhonghong Insurance's health macro star protection liability is still a bit ordinary, and there is a bit of a hard injury in terms of mild and moderate symptoms, and the pricing is still a bit expensive. In order to enhance its attractiveness, it provides an increase in the sum insured for the second and third claims for critical illnesses, with 130% for the second and 150% for the third claim.

1. Advantages of Zhonghong Health Hongxing Critical Illness Insurance:

1. Zhonghong Health Hongxing's critical illness compensation has 3 times and the higher the number of times in the future, the higher the sum insured, and the % basic sum insured will be paid in turn. Suppose that if you buy a critical illness insurance with an insured amount of 500,000 and meet the compensation standards, others will only give 500,000 yuan, and Zhonghong Health Hongxing will provide a maximum of 750,000 claims.

2. Mild and severe diseases can be exempted.

If the insured suffers from a mild or serious illness as agreed in the contract for the first time, the subsequent premiums of the contract can be waived and the protection will be uninterrupted, eliminating worries.

Second, the shortcomings of Zhonghong Health Hongxing:

1. Lack of moderate illness protection.

In most cases, a good critical illness insurance policy must include coverage for critical illness, moderate and mild illnesses, and some even cover pre-existing conditions. But Zhonghong Health Hongxing doesn't even have a moderate illness protection, how can such a good job have a good impression of the protection. You must know that it can be said to be the norm of critical illness insurance, and its existence can not only reduce the claim standard of critical illness, but also allow different degrees of illness to obtain different compensation.

2. Lack of important protection for cancer secondary compensation.

In many cases, critical illness insurance is paid for cancer, and the cost is difficult to bear and easy at the same time, and general critical illness insurance products will be attached to the second compensation for cancer to increase the probability of compensation. However, Zhonghong Health Hongxing does not have this guarantee at all, and the setting is not humane enough.

3. There is no regular selection of the insurance period.

Nowadays, many critical illness insurance policies can be guaranteed for a fixed period or for a lifetime, so consumers can choose how to choose how to do it. Zhonghong Health Hongxing is only insured for life, which means that the premium will be more expensive, so friends with a very average budget should think clearly.

4. Long waiting period.

Nowadays, the waiting period for popular critical illness insurance is generally 90 days, but the waiting period for Zhonghong Health Hongxing is already 180 days. It is important to understand that the insurance company will not pay a claim for a confirmed critical illness during the waiting period. In short, the shorter the waiting period, the better, so that consumers can enjoy the protection sooner.

Overall, Zhonghong Insurance's health macro star is still very good. As far as I know, Health Macro has a high-end version of the product plan, which can get up to three claims for mild or moderate diseases. I have a colleague who was diagnosed with a malignant breast tumor after buying Health Hongxing, and she lost a lot of money, which can meet her ** expenses and the cost of missing work and resting at home.

It can insure 160 kinds of serious diseases, and the compensation is up to 7 times without grouping, and the total compensation amount is as high as 10 million

Zhonghong Life Insurance's Health Red Star Insurance is a critical illness insurance, which is suitable for you and can be considered, mainly for high-incidence critical illnesses, and there is no additional critical illness protection.

I think it's okay to think about this question.

Small partners can choose Zhonghong Insurance's health insurance, but it is best to choose according to their own situation, and there is no need to stick to an insurance company.

Generally speaking, every insurance company will have a good health insurance product, and there will also be a general health insurance product. We consumers should not pay attention to the insurance company, but the insurance product itself, only the product that is suitable for us, in line with our actual situation and economic ability is good. Senior sister also knows that there are many excellent health insurance products on the market, such as Tongfang Global Life, China Merchants Life Insurance, Guofu Life Insurance and other insurance companies have good health insurance products.

If you want to know whether there is a need to buy health insurance, you can take a look at the following article:Is it necessary to buy health insurance? Be sure to pay attention to these routines!

Zhonghong Insurance is a Sino-foreign joint venture insurance company, founded in 1996 with a registered capital of 1.6 billion yuan. According to the summary of the solvency report of Zhonghong Life Insurance in the third quarter of 2022, its core solvency adequacy ratio is a comprehensive solvency adequacy ratio, and the comprehensive risk rating result of Zhonghong Life Insurance in the second quarter of 2022 is AA. It can be seen that Zhonghong Life Insurance is a strong insurance company.

If you want to know more about Zhonghong Life's partners, you can take a look at the following article:How about Zhonghong Life, what products are available, which one is good, in-depth analysis

When we choose health insurance, it is best to pay attention to the following aspects: 1. Whether the coverage is complete, like critical illness insurance, we need to see whether it includes critical illness, moderate illness, mild illness protection, whether it covers malignant tumors - severe multiple claims and so on. 2. Whether the payment period is flexible, generally speaking, the more flexible the payment period, the better it is for consumers, like critical illness insurance, it depends on the longest payment period, and generally the longer the maximum payment period, the better.

3. Whether the health notice is relaxed, health notice may be required when applying for health insurance, generally speaking, it is best for us to choose a product with loose health notice, so that the probability of successful insurance will be relatively high. Still want to know what to look out for? Take a look at the following article:

Before buying insurance, you must first understand these key knowledge points!

Hope!

Brother Bao said insurance, focusing on insurance product testing and hunger reviews! Zhonghong may be a little less heard of this company, but this does not prove that it is not good, this ranking can be known at a glance: the latest list! Ranking of the top 10 insurance companies in the country.

Zhonghong Insurance Company is unreliable, whether it is credible, whether it will deceive people, you can rest assured. How can an insurance company be informal if it has the China Banking and Insurance Regulatory Commission in charge? Therefore, the claim will be settled smoothly according to the contract.

Moreover, the establishment of an insurance company requires at least 200 million funds (laws and regulations are clearly written), and the insurance company can afford to pay so much money for fear that they will be unreliable?

Relatively few people have heard of Zhonghong Life Insurance **** this company, in fact, Zhonghong was established in 1996, is the first Sino-foreign joint venture life insurance company in China, each insurance company is tested at all levels to survive, no insurance company is a small company in the real sense, and then I will analyze Zhonghong Life Insurance Company from the service situation, product situation, solvency.

1) Service Situation.

In 2017, Zhonghong launched the "Hongyun Family" family office, and Zhonghong's high-net-worth clients can enjoy five major service systems, including legal and tax planning, global elite education, private health management, comprehensive wealth management and high-end quality life, which has won a lot of praise, and in 2019, Zhonghong also won the "Best Insurance Service Award" award, indicating that everyone thinks Zhonghong's service is still very good.

2) The product condition is returned.

Space is limited here, so the detailed analysis will be put first:

Select Hong's latest critical illness insurance long-term security Kang Supreme Edition to analyze, not much to say, the protection map is presented:

After the analysis, it can be found that this long-term security health supreme edition protects 80 kinds of critical illnesses, three critical illnesses with incremental claims, up to 380% of the basic sum insured, 40 kinds of minor illnesses with a compensation ratio of 20% of the sum insured, protection until the age of 70, including death benefit, and the second claim for cancer with an interval of 5 years can pay 100% of the basic sum insured. On the whole, the cost performance of the Chang Bao Kang Supreme Edition is not very high.

3) Solvency.

Without further ado, the solvency report chart is here:

So is the solvency of this product good? The list is presented for reference:

Summary: Zhonghong Life Insurance still has good strength, although there are some bad products, but the service and reimbursement are good, each insurance company has a cost-effective or low product, the company is not the focus of buying insurance, should focus on insurance products.

Brother Bao said insurance, focusing on insurance product evaluation! There are not many people who have heard of Zhonghong, but it doesn't mean that it's not good, please look at this ranking: the latest list! Ranking of the top 10 insurance companies in the country.

Zhonghong Life Insurance **** makes people feel less impressed, in fact, Zhonghong was established in 1996, is the first Sino-foreign joint venture life insurance company in China, it is not easy to stand in the insurance industry for many years, no insurance company is really a small company, and then I will analyze Zhonghong Life Insurance Company from the service, product situation, solvency. Feast.

1) Service Situation.

In 2017, Zhonghong launched the "Hongyun Family" family office, and Zhonghong's high-net-worth clients can enjoy five major service systems, including legal and tax planning, global elite education, private health management, comprehensive wealth management and high-end quality life, which have been recognized, and Zhonghong won the "Best Insurance Service Award" in 2019.

2) Product condition.

If you want to know the specific situation, look at this article:

Select Hong's latest critical illness insurance long-term security guard Supreme Edition to dismantle the service analysis and take a look at its protection map:

It can be seen that this long-term security health supreme edition protects 80 kinds of critical illnesses, and the three critical illnesses are incrementally increased, adding up to 380% of the basic sum assured, and 40 kinds of minor illnesses with a 20% sum assured, covering up to the age of 70, including death benefit, and the second claim for cancer has a 5-year interval and a compensation ratio of 100%. In general, the cost performance of the Chang Bao Kang Supreme Edition is average.

3) Solvency.

Take a look at its solvency report graph:

So is the solvency of this product good? This list can tell you:

Summary: This Zhonghong Life Insurance Company has a very good strength, although some products are not particularly good, but in service, reimbursement are relatively excellent, after all, every company has good and bad products, there is no need to be too obsessed with how the company is, picking the right insurance is the most important thing.