It seems that there are still many small white ones. Senior must make it clear to them today, what is the difference between consumer critical illness insurance and return critical illness insurance!
1. What's the difference between consumer critical illness insurance and returned critical illness insurance?
There are obvious differences between fee-based critical illness insurance and return critical illness insurance in terms of premium, insurance period and suitability for people. Next, let's see what the difference is:
1, consumer critical illness insurance
Consumer critical illness insurance can be said that the insurance company will pay a sum of money after the insured is out of danger. If the insured is not out of danger after the expiration of the guarantee period, the premium will not be refunded. Consumer critical illness insurance generally provides regular coverage, often covering 10 years, 30 years or 70 or 80 years. Consumer critical illness insurance includes double protection, and consumers can get higher protection with less premium. Consumer critical illness insurance does not require much premium, and even ordinary working families can take out insurance. Consumer critical illness insurance is more suitable for people who have insufficient budget or are good at investing and are guaranteed to save.
However, some small partners may worry that if there is no danger, will the premium of consumer critical illness insurance be paid in vain? Friends will know after reading this article:
"Why choose consumer critical illness insurance? If you don't take this risk, the premium will not be paid in vain! 》
2. Returned critical illness insurance
Requirements for returning critical illness insurance: the insured can enjoy normal compensation if he is out of danger during the guarantee period; If there is no insurance claim, the insurance company will return some money to the insured when the contract expires. Returned critical illness insurance not only supports critical illness protection, but also supports a certain amount of return when there is no danger on the expiration date. Compared with consumer critical illness insurance, the premium of the product is naturally much higher, which is more suitable for high net worth people to buy. Although refundable critical illness insurance will return a sum of money, inflation should also be taken into account. Since the refund amount is set at the current rate, it may be worthless in a few decades.
If you want to know more about returning critical illness insurance, please read this article:
"If you are sick, you will retire. If you are not sick, you will retire. The return critical illness insurance that everyone loves to buy is a good pit! 》
Through the above analysis, it is found that the difference between consumer critical illness insurance and return critical illness insurance is that the premium of consumer critical illness insurance is more affordable than return critical illness insurance, which can not only provide protection, but also return the principal without going out of danger.
2. What kind of critical illness insurance is most worth buying?
There are not only consumer critical illness insurance and return critical illness insurance, but also savings critical illness insurance. Savings-based critical illness insurance-a critical illness insurance with both security and savings functions, belongs to insurance companies and is a product formulated according to the needs of consumers. In short, if the insured is in danger during the guarantee period, he can make claims according to the contract; But if there is no danger, the insurance company will pay the insured a sum of money when the insured dies. Savings-type insurance premium is located between consumption-type and return-type, which can realize savings while being guaranteed, so many consumers like it very much.
At present, there are many savings critical illness insurance in the critical illness insurance market, but the product quality is good or bad, so it is not easy to choose. However, through the comparative analysis and observation of senior sisters, it is found that the Versailles plus critical illness insurance of Tongfang Global Life Insurance is an excellent saving critical illness insurance.
The basic protection content of this product is set to light, moderate and severe diseases, and the light, moderate and severe diseases also enjoy extra compensation. The maximum additional compensation for serious illness is 80% of the basic insurance amount. The compensation ratio of excellent mild and moderate diseases is 30% and 60%. There are also functions of death insurance and premium exemption. In addition, there is also an optional guarantee of exemption from premium for serious illness and malignant tumor-severe extended warranty.
Senior sister thinks that the most valuable thing is its green link service, which really makes senior sister feel the deep pockets of Tongfang Global Life. Versailles plus not only provides six basic services, such as private telephone doctor, online expert consultation, professional health information, expert outpatient appointment and accompanying consultation, hospitalization and operation arrangement, and second consultation of famous domestic experts, but also adds four upgraded services, namely overseas multidisciplinary consultation service, overseas medical arrangement service, Boao special medical service and CAR-T therapy service. The optimized green link service can make many patients afford doctors and medicines. You can look at its overseas medical arrangement service, so that many patients who can't get the best quality treatment in China can go overseas for medical treatment, which solves the problem that most patients are difficult to seek medical treatment.
Here are the original services of Versailles plus and all the upgraded services:
If you want to see the specific analysis of Versailles plus guarantee content, don't miss this in-depth evaluation article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
To sum up, if the budget is limited, it is good to choose consumer critical illness insurance. If you have sufficient funds, you want to get better protection without wasting money. In this case, you can start saving critical illness insurance. Take Versailles plus as a particularly high-quality product. Friends who are interested in buying savings-based critical illness insurance should cherish the opportunity!
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