Today, I am extremely excited when I know that what I want to share with you is the best critical illness insurance of centennial life! I've got all the information about this product. I'll tell you now!
Anxious friends can read this article directly:
The secret of the power of a hundred years of life, I didn't expect it to be surprising! 》
1. What is the best critical illness insurance for Centennial Life?
Many critical illness insurances of Centennial Life are very popular, such as Kanghuibao 2.0, Guardian 1 and Bumblebee 2/ Tonghuibao. Among them, Kanghuibao series is the best product of Centennial Life Insurance, and is known as "the shoulder of critical illness insurance". As the newest member of Kanghuibao series, Kanghuibao Ultimate Edition 2.0 has been outstanding since its launch! What we are going to explain today is this product!
To put it simply, let's take a look at the protection map of Kanghuibao Ultimate 2.0 to understand this product:
Kanghuibao Extreme Edition 2.0 belongs to the category of critical illness insurance with single payment. It is insured for people born between 28 days and 50 years old, and there are many protection responsibilities. Let's specifically understand its advantages and disadvantages:
1 and the advantages of Kanghuibao Ultimate 2.0
(1) Full guarantee liability
Kanghuibao flagship edition 2.0 guarantee 120 kinds of serious diseases, 25 kinds of moderate diseases, 40 kinds of mild diseases and 20 kinds of precursors. The number of guaranteed diseases is not only quite large, but also includes most diseases that can be seen in daily life. Furthermore, it also covers multiple payments for malignant tumors and death protection, which can basically meet the protection needs of most people.
(2) Protection characteristic omen
Kanghuibao Ultimate Edition 2.0 has full protection before illness, which is a unique feature of Centennial Life. Before the illness, the condition is not as serious as mild illness, and the threshold for claims is very low, which allows the insured to find it early and get money for treatment early, so as to avoid the risk of worsening the condition into a major disease.
(3) Affordable
The price comparison chart of Kanghuibao Ultimate Edition 2.0 and some popular critical illness insurance on the market is as follows. A 30-year-old person is insured for 300,000 yuan. If he chooses to pay for 30 years, it will be less than 6,000 yuan a year. However, it is not uncommon for mainstream products in the general market to exceed 8,000 yuan. We have also seen products that cost more than 10,000 yuan a year. In contrast, the price of Kanghuibao flagship version 2.0 is very real.
(4) Excellent salary conditions
For seriously ill patients before the age of 60, Kanghuibao flagship version 2.0 can pay an additional 60% of the insured amount, and the secondary compensation responsibility for severe cancer has also set an additional 20% of the insured amount. In order to make the critical illness protection more in place, it is necessary to increase the protection.
In addition, the coverage of premium paid by Kanghuibao flagship version 2.0 is 60%, which is more than most critical illness insurance products 10%. Taking 500,000 insurance coverage as an example, Kanghuibao flagship edition can pay 300,000, while ordinary critical illness insurance can only pay 250,000.
2. Disadvantages of Kanghuibao Ultimate Edition 2.0
What I don't like most about Wellcome Ultimate 2.0 is that the upper age limit for insurance is too low. People over 50 cannot be insured. There are many products on the market that can cover people under 65. For these, it is not good for some older groups.
Because I can't write too many words, I won't talk about other shortcomings of Kanghuibao flagship version 2.0. Those who like this article can continue to read the following:
Is Kanghuibao Ultimate Edition 2.0 still fragrant under the new regulations? 》
To sum up, the protection of Kanghuibao Ultimate Edition 2.0 is still excellent. Products are well compensated and cost-effective. Friends who have the idea of insuring critical illness insurance can consider this product ~
Second, what should I pay attention to when insuring Kanghuibao Ultimate Edition 2.0?
1, Kanghuibao Ultimate Edition 2.0 only 0-40 years old can choose the maximum coverage.
Kang Huibao's flagship version 2.0 does not exceed 700,000, which is more than most similar products, and there is no need for medical examination. But one thing is the same as most critical illness insurance. Not everyone can choose the biggest guarantee of Kanghuibao Ultimate Edition 2.0. Only people aged 0-40 can choose 700,000, 465,438+people aged 0-50 can only choose 400,000 at the most, {with centennial life critical illness insurance -24}
The 2.70-year Kang Huibao Ultimate 2.0 needs to be bound with death liability.
If you choose the 70-year Kang Huibao Ultimate Edition 2.0, the most basic thing is to bind the responsibility for death. Although the death liability premium will be a little more expensive, it is also beneficial. Not all serious diseases agreed in the contract can be compensated after diagnosis, and some can only be compensated if they meet the conditions. If you die before meeting the compensation conditions, you won't get serious illness compensation, but at least there is death money.
Is it necessary to take the responsibility of death when buying critical illness insurance? If you want to know, take a look at the answer in the following article:
"Can I buy insurance against death? Isn't this naive? 》
Senior sister here says so much about the precautions for buying Kanghuibao Ultimate 2.0. If you still don't understand anything, or you still have questions to ask, you are welcome to write privately, and you can bother me at any time if necessary ~
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