Now a new definition of critical illness insurance has entered the stage of the times, and more and more new products have been launched one after another. The True and True Ultimate Edition launched by Sun Life Everbright is one of them! It is reported online that this critical illness insurance can be supplemented with end-all-end insurance, and the premium return on maturity will be between 120% and 140%. So is this product really as good as everyone says?
To be honest, I read the terms and conditions of the Zhenzhenyi flagship version last night and found a lot of flaws. Let’s review it in detail below!
Focus of this article:
Is the protection of the Zhenzhenyi flagship version comprehensive? The secrets of the flagship version of "Sincerely" are hidden so deeply!
1. Is the protection of the Zhenzhenyi flagship version comprehensive?
First of all, let’s take a look at the exquisite pictures of Zhenzhenyi flagship version:
Zhenzhenyi flagship version is a return-type critical illness insurance that covers serious illness, minor illness, and death. , specific diseases, etc., but the overall protection is not very strong. Among them, the proportion of critical illness and death protection is only 100%, and the coverage for minor illness is only 25%. But when it comes to the advantages of this product, these points are really good:
1. The premium is refundable
The Zhenzhenyi flagship version can be supplemented with end-all insurance. If you still survive after the term and have not made any claims, you can get a refund of 120%-140% of the premiums paid. Not only can you enjoy the protection, but if there is no accident after the protection period, you can not only recover the premium paid, but also get an extra sum of money. This move is very considerate.
If someone is not very clear about the concept of endowment insurance, take a look at the popular science article compiled by the senior sister: "About endowment insurance, there are things the salesperson will definitely not tell you!" 》
2. High additional compensation for special illness
If the conditions are met, the additional compensation for special illness of Zhenzhenyi flagship version can reach 60% of the insured amount, and the protection for serious illness is strong It has undoubtedly improved a lot. However, I have also seen critical illness insurance products that are better than their compensation capabilities, and they have been compiled here: "Among the newly defined critical illness insurances, these ten are the most worth buying!" 》
2. Is the guarantee of the True and True flagship version good?
Talking about the True and True Ultimate Edition, you may not know it if you don’t mention it:
1. The maximum insurance age is 55 years old:
Many critical illness insurance It supports people over 60 years old to purchase insurance. The age limit of the Zhenzhenyi flagship version is only limited to 55 years old, which is equivalent to suitable for people under the age of 55. If you are younger, you can definitely buy it! Otherwise, why would my senior sister suggest that the sooner you buy critical illness insurance, the better. The premium of critical illness insurance is closely related to your age. When buying critical illness insurance, you have to take your age factor into consideration.
2. Critical illness and minor illness protection is not flattering
The True Heart Ultimate Edition is not generous in terms of critical illness compensation, compared with products that can provide additional compensation and have a higher ratio. , there is no comparison, it is simply left behind by others.
The senior sister will tell you an easy-to-understand case. When the same insured amount is 500,000 and meets the critical illness insurance compensation standard, compared with those critical illness insurance products that pay up to 1 million , but the Zhenzhenyi flagship version can only pay out 500,000 insured amount, how can I feel comfortable!
It seems that there are still quite a lot of pitfalls in the Zhenzhenyi flagship version. In order to prevent everyone from falling into the pit again, and in order to prevent friends from falling into the pit again, "Teach you to identify the pitfalls in insurance contracts!" 》
The school sister summed up the following method: This product is not cost-effective. Not only does it have little protection, but the premium is also so expensive. For people with insufficient budget, look at other cheap and high-quality products. critical illness insurance.
Write it at the end
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