If you want to know more about Xin Kangjian's life-long B-type critical illness insurance, please take a look at this article first: Tongfang Global Xin Kangjian's life-long B-type insurance has been exposed, but there are these defects!
1. Life-long B Guarantee Analysis of Tongfang Global New Jian Kang
Not much to say, just look at the protection map of this product!
Xin Kangjian Lifelong B is a one-time payment product, which covers mild, moderate and severe diseases, and also has built-in death protection and exemption for the insured with mild and moderate diseases. Compared with many insurances on the market, the age range of coverage is much wider, and it is better for the elderly to be insured at the age of 60.
Keep up with the pace of seniors, let's take a look at the advantages and disadvantages of this critical illness insurance!
1. Advantages Analysis of Tongfang Global Xinkangjian Yisheng B
(1) flexible payment period
Compared with other critical illness insurance, Tongfang Global Xinkangjian Life Insurance B has more payment years, which is very flexible and suitable for a wider range of people. Moreover, the payment period of 30 years is also available for us to choose. When we apply for insurance, we should try to choose a longer payment period, because a longer payment period can improve the probability of triggering the premium exemption function to a certain extent.
For example, Lao Wang's payment period is 30 years. If the diagnosis is mild or moderate in the fifth year, the contract will remain valid without payment for the remaining 25 years.
I will give you a choice strategy of payment period. Interested parties can have a look! What should I pay attention to when choosing the payment period?
(2) cancer in situ is guaranteed
Cancer in situ can not be ignored, and it is a disease with high incidence and mild illness, which will develop into a serious malignant tumor. Since the release of the new regulations on serious diseases, cancer in situ has been excluded from the protection of mild diseases, which has led to the cancellation of the protection of cancer in situ for some serious diseases in the market, and the protection value of mild diseases has dropped a lot.
However, Tongfang Global New Jian Kang Life B does not have this problem, and there is cancer in situ in the protection of mild illness, which is very good!
2. Defects in Section B of Tongfang Global Xinkangjian Life Insurance
(1) single critical illness protection
Tongfang Global Trust Kangjian Life Insurance B's critical illness protection only includes a single payment, and there is no extra payment. At present, most seriously ill products on the market have extra compensation protection in this respect. For critical illness insurance products like Ford Plus, not only can the critical illness insurance be paid 6 times, but the extra payment can be up to 1.50%. If you choose a coverage of 500,000, you can get a maximum compensation of 1.25 million, which is really amazing.
In contrast, Tongfang Global Xin Kangjian's life-long B-type critical illness insurance is too simple. Compared with other critical illness insurance on the market, it is really unremarkable.
(2) Malignant tumor cannot be compensated more.
According to the survey, cancer payout ratio accounts for more than 60% of the compensation for serious illness. Although the medical level is developing continuously, cancer is still everyone's nightmare, not only because of its long treatment cycle, but also because cancer will recur, spread and transfer at any time.
At present, the critical illness insurance on the market will be aimed at the characteristics of cancer, and consumers will have optional secondary compensation protection for malignant tumors, which is necessary for excellent critical illness insurance.
Tongfang Global Xinkangjian only has a single payment for type B serious illness, and cannot attach the second payment option for malignant tumor. This setting is really not comprehensive enough.
Second, is Tongfang Global New Kangjian Lifelong B worth buying?
Therefore, we can know that the critical illness insurance of Tongfang Global Xinkangjian Yisheng B is not ideal. Even if it covers mild, moderate and severe cases, its coverage does not include multiple payments for high-risk and serious diseases such as malignant tumors and cardiovascular and cerebrovascular diseases, and it has no advantage compared with other similar products on the market.
And the setting of intensive care is a bit backward. At present, most intensive care insurance and intensive care will pay for many times even if there is no extra payment. Generally speaking, Tongfang Global Xin Kangjian Yisheng B is a critical illness insurance product recommended by the Regulations.
Interested in other excellent critical illness insurance products, you can look at this list! The newly defined top ten recommended list of critical illness insurance!
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