What are the advantages and disadvantages of Great Wall Baimatong Insurance? Is it worth buying?

Great Wall Baimatong Insurance is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is the cost performance of Great Wall Baimatong Insurance really that high? Is it really worth buying?

The following sister will give you an in-depth evaluation! The following article can help you get familiar with these two kinds of total risks in advance. Let's take a look at those who don't know:

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1. What are the advantages of Great Wall Baimatong Insurance?

As before, let's take a look at the protection content map of the Great Wall White Horse Pass:

As shown in the figure, the insurance age of Great Wall Baimatong is 30 days to 60 years after birth, and there are four options for the guarantee period, namely 10/ 15/20/25 years. The payment period can be decided through consultation with the insurance company. What are the advantages of Great Wall Baimatong Insurance? Senior, let me explain to you!

1. The insurance premium for traffic accident death is considerate.

As a passenger, if the insured dies due to accidental injury during taking public transport, and the time is within 180 days, the insurance company will not only pay the death insurance premium, but also pay 2 times the premium paid.

Nowadays, people have great opportunities to travel by taxi, train, plane and other means of transportation, and if they leave this world because of a traffic accident, it will not only bring emotional blows to their families, but also cause certain economic losses.

Based on this situation, Great Wall Baimatong Insurance underwrites the death payment of traffic accidents, so that the insured's family can get more insurance compensation and be more humanized.

2. Subtract the exemption clause

An insurance company may be exempted from liability for the content of the exemption clause. In other words, if the insured has the circumstances stipulated in the exemption clause, the insurance company will not pay.

Therefore, the fewer exemption clauses, the better for the insured. At present, there are generally about seven exemption clauses for two all risks in the market, with only three at least and more than a dozen or twenty.

Fortunately, the exemption clause of Great Wall Baimatong is at the best level in the market.

Presumably, some insurance whites don't know much about the exemption clause. You can read this article to deepen your understanding:

What is the exemption clause of insurance? If you don't understand, you will suffer a big loss! 》

Second, do you know the hidden small defects of the Great Wall White Horse Pass?

Even though the White Horse Pass on the Great Wall has two relatively good advantages, at the same time, the senior sister also found some small defects, so now everyone should continue to look down with the rhythm of the senior sister.

1. The proportion of death insurance payment is not reasonable.

The proportion of payment is actually closely related to the payment of death insurance. The payment ratio of this Great Wall Baimatong insurance is as follows: 18-40 years old-160%, 4 1-60 years old-140%, 6 1 year old and above-120%.

I wonder if you can find any problems after reading it. 4 1-60-year-olds are basically the economic pillars of their families and bear great responsibilities. If misfortune really happens, it will bring a devastating blow to the family economy.

Therefore, the contribution ratio set at the age of 4 1-60 should be as high as 18-40, or even higher.

Unfortunately, Great Wall Baimatong Insurance is not humanized in this respect.

2. Other rights and interests are not rich enough

Great Wall Baimatong Insurance only provides policy loans for other rights and interests, while some insurance companies in the market will support automatic premium payment.

Automatic premium payment means that when the insured is unable to pay the premium or forgets to pay the premium due to financial difficulties, the insurance company will pay the premium payable according to the actual cash value of the contract, so that the protection will not fail.

Great Wall Baimatong Insurance has no such rights. To be honest, this is quite disappointing.

Then there are many other contents about the Great Wall White Horse Pass, so Senior Sister will not continue to analyze them. Friends who want to know more can refer to this article:

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Generally speaking, the cost performance of Great Wall Baimatong Insurance is not very high, and it does not include total disability protection, so the protection is not comprehensive enough. In addition, the proportion of death insurance payment is not reasonable, and other rights and interests are not rich enough. Therefore, if you care more about friends in these places, then this product is not worth buying.

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 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: top student said that the insurance cost is low, so buy the right insurance!