Before starting, some friends may not know much about the insurance company of Changsheng Life. Let's take a look at the following article:
Is Changsheng Life Insurance Company Reliable? Is the product good? 》
First, unveil the mystery of health and worry-free multi-version critical illness insurance!
To put it simply, the senior first introduces the product protection diagram of health-free multi-version critical illness insurance:
1, with a wide insurance age range.
Worry-free health multi-version critical illness insurance allows people born more than 30 days to 60 years old to buy it, and the scope is not narrow, even some middle-aged people over 50 can use it for disease protection.
You know, there are a lot of critical illness insurance in the market that only people aged 50 and 55 are allowed to take out insurance. Comparatively speaking, multiple versions of critical illness insurance are still in the leading position, which can meet the protection needs of more people.
2. There are many options for payment term.
Multiple versions of critical illness insurance have five payment years, which are 5 years, 10 years, 15 years, 20 years and 30 years, and there are still many choices. The working class can reduce the annual premium burden by extending the payment period, so that the living standard will not drop a lot because of buying insurance.
In addition, the basic responsibility of this product also includes the exemption of the insured from serious illness. Once this responsibility is triggered, the insurance company will waive the residual premium of the contract, greatly reducing the economic burden of patients.
The longer the payment period chosen by consumers, the easier it is for the insured to be exempted from liability!
However, the only fly in the ointment is that. Multi-version critical illness insurance does not have the function of batch payment, and the payment method is not comprehensive enough, which does not meet the needs of some high-income but unstable people, such as actors, directors or self-media occupations.
People who are new to insurance may not know what the word "wholesale delivery" means. You may want to learn by clicking on the following links:
What do you mean by wholesale? What are the benefits? 》
3. The protection of mild and moderate diseases is flexible and optional.
Worry-free health multi-version critical illness insurance is a product that covers both the heaviest and lightest diseases. It has a very flexible place, that is, moderate and light diseases are optional responsibilities, which can be understood as consumers can choose according to their own economic level, and it is not mandatory.
Families with sufficient economic budget can enhance their ability to resist economic risks by providing protection for moderate and mild diseases, while families without economic budget can provide comprehensive protection for serious diseases first, or they may make other plans after their income increases in the future.
Secondly, the multiple version of the health insurance exemption from critical illness insurance has excellent protection for moderate and mild diseases, and can pay 60% and 30% of the basic protection for moderate and mild diseases respectively. This level is also the first echelon in the market. After all, there are many products that provide 50% basic protection for moderate diseases and 20% basic protection for mild diseases.
Moreover, the mild and moderate illness protection of this product has formulated the insurance exemption clause!
Second, can health and worry-free multi-version critical illness insurance really start?
1, waiting time is too long.
The waiting period of multiple versions of critical illness insurance is 180 days, which is relatively long. There are quite a few products with a waiting period of 90 days in the critical illness insurance market. Compared with the former, the latter can be included in the coverage of the insured earlier.
Therefore, the shorter the waiting period, the more worthy of insurance for consumers.
2. No cancer has been paid many times.
As one of the 28 serious diseases in China Banking and Insurance Regulatory Commission, China, cancer not only has a high incidence rate, but also has a very high probability of being diagnosed again after operation. Worry-free health multi-version critical illness insurance can only pay for a serious illness, which may not cover the economic losses caused by cancer recurrence.
Generally speaking, the advantage of health-free multi-version critical illness insurance is that the product is extremely flexible, but the disadvantage is that the waiting period is very long and many cancers have not been paid. Therefore, senior sister suggested that people who have the idea of insuring critical illness insurance should compare more products on the market.
The length of this article is limited. If you don't know the product information of worry-free and critical illness insurance, you can take a look at the following more detailed article:
Is it worth buying multiple versions of critical illness insurance? You will know after reading this article! 》
Write it at the end
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