Hello everyone, I'm Uncle Meow.
Internet celebrity accident insurance is used by many insurance companies to obtain customers or brush up on the sense of existence because of its cheapness, good protection, and high insurance rate. Among them, the Little Bee series and the Big Armor series have the highest appearance rate.
The two series of products are customized by big-name insurance companies for the channel, two days ago we only finished talking about the upgrade of the little bee No. 5 without increasing the price, and today we will continue to talk about its competitors, the upgraded big armor No. 6.
Big Armor No. 6 from Chinese Insurance is a product portfolio that covers accidental death and disability, traffic accidents, accidental medical treatment, hospitalization allowance, sudden death, accidental critical illness ICU hospitalization allowance, vaccination death and disability, accidental disability, accidental injury fracture dislocation, post-accidental fracture medical expenses, accidental ambulance expenses, and high-risk sports death and disability. The specific product form and the comparison with the previous generation of the product Big Armor No. 5 are detailed in the figure below
As you can see, the basic guarantee of Big Armor No. 6 is still very rich and practical.
The maximum basic sum insured is 1.5 million, 100% of death will be paid, and disability will be paid according to 10%-100%; Sudden death still has a maximum sum insured of 500,000 yuan, and the death limit is limited to 3 days; Accident medical treatment is still not limited to social security, the classic version has a deductible of 100 yuan, and the other versions have no deductible limit, and you can go to the designated hospital of social security for medical treatment; Accidental hospitalization allowance is not included in the classic version, and is covered in other versions; Traffic accident protection is up to 8 million for air, up to 1 million for trains and ships, 500,000 for self-driving and car, and double for holidays.
Big Armor No. 6 still comes with death and disability protection for vaccination, which is actually more chicken and suspected of making up the numbers; There are two pieces of accidental fractures, one is dislocation, and the other is the medical expenses in the later stage of fracture, which is relatively practical; The maximum amount of insurance for accident ambulance is 2,000 yuan; The Supreme Edition Pro has a unique high-risk sports death and disability of 300,000, and the big armor No. 6 is still there, so people who like high-risk sports can also choose it.
Compared to Big Armor No. 5, Big Armor No. 6 is different in four main ways.
The first is that the insured areas and hospitals have tightened the restrictions.
The insurance area is restricted, the previous 300,000 and 500,000 versions of the Big Armor No. 5 can be purchased in the mainland, and the upgraded Big Armor No. 6 directly restricts the insurance of customers in a bunch of regions.
The news that an accident insurance restricted Henan insurance was also on the hot search, and I don't know if these Internet celebrity accident insurance in long-term exclusion areas is worthy or too low-key. It can be seen that the traditional areas with a high incidence of insurance fraud, Beijing Pinggu, Henan Xinxiang, Kaifeng and other areas are directly not insured, and this time the full version is restricted and not bought.
In terms of exempt hospitals, the big armor No. 6 has also been strengthened, and the number of restricted areas and restricted hospitals has increased a lot, if you are in the local area, even if you buy it, if you have an accident, you will not be able to reimburse it in the later stage, and friends in these areas, if you have an accident, you will either change the hospital or choose other products in advance.
The second point is the optimization of accidental medical care. The premium version of accidental medical treatment has been changed from the previous 100 deductible to 0 deductible, and a daily hospitalization allowance of 100 yuan has also been added; The extreme version of PRO has increased the ICU hospitalization allowance by 600 yuan per day; In addition to the classic version, other versions have added medical expenses for the later stage of accidental fractures, and the reimbursement of hospitalization expenses for removal of internal fixation within 540 days after fracture, ranging from 3,000 to 8,000; The cost of an accident ambulance has been added to the full version, ranging from 500 to 2000.
The third point is that the big armor No. 6 also did a subtraction, accidentally deleted the bicycle, and at the same time added a 7-day waiting period for sudden death.
Otherwise, Big Armor No. 6 and No. 5 are basically the same, and the premiums have not changed.
1. Comprehensive and ultimate protection, accidental medical treatment can go to private hospitals, and there is no hidden pit in the responsibility for sudden death;
2. Additional protection for traffic accidents, with a high overall amount of the project;
3. The full version expands the responsibility of the accident ambulance, and the accidental fracture and dislocation are well protected;
Fourth, the rate is extreme, the company's brand is large, and the claim settlement is convenient.
There is a health notice for insurance, but some areas cannot be insured, and a large number of regional hospitals have reimbursement restrictions and strict risk control.
Big Armor No. 6 is underwritten by the Chinese People's Property Insurance Company. Chinese People's Property Insurance Company, formerly known as Chinese People's Insurance Company, is the core member and landmark main business of Chinese People's Insurance Group, and is a large state-owned property insurance company with a long history, large business scale and strong comprehensive strength in China, and its premium scale ranks among the top in the global property insurance market.
According to the latest information disclosure on the official website of Chinese People's Property and Casualty Insurance, the core solvency adequacy ratio in the third quarter of 2023 was 19544% and the comprehensive solvency adequacy ratio was 22330%, and the comprehensive risk rating of the last two risks is BBB and BB.
The upgrade of the Big Armor No. 6 can be regarded as making up for itself, strengthening some low-insured versions, and making up for the loopholes in the high-insured version.
On the whole, the basic responsibilities of Big Armor No. 6 are solid and in place, with high insurance amount, good medical protection, allowances, good sudden death protection, and additional compensation for transportation. From these core protections, Big Armor No. 6 is very good, some seven-seven-eighty-eight is a plus point of protection, the underwriting company Chinese Insurance is also an industry benchmark, still worthy of being a preferred accident insurance.
Of course, it's still the problem that Uncle Meow has been talking about, now these accident insurance are in the involution of responsibility, the premium remains the same, so it is natural to limit the insured population, the big armor No. 6 comes with a health notice, restricting people with some physical problems, and at the same time it also restricts people in many areas to insure and reduce the risk of insurance fraud. This is not enough, relying on its big data, and a large number of high-risk people, after layers of screening, to be eligible to buy this insurance, it is too difficult.
The product is good, but you may not be eligible to buy it, which is the reality of Internet celebrity accident insurance now. Therefore, you can try it yourself, and if you are controlled by the risk, contact Uncle Meow to change the product as soon as possible.
There is no perfect product, only a relatively perfect match, if you encounter confusion in the process of insurance purchase, welcome to consult.
Drain the pit every day, either persuade you to quit or buy the right one. It's not easy to insist on updating, if you approve this article, please share it after reading it to show encouragement, thank you.