Look at it with me before I help you break it down completely. How does it compare with good critical illness insurance? Harmony and happiness overflow and 136 critical illness insurance comparison table.
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
Because the price of harmonious prosperity in critical illness insurance is really unimaginable, there are problems in it. Compared with the glory version of Fosun Darwin 5, the result is obvious:
In fact, from the above picture, the protection content of critical illness insurance is full of harmony and happiness at first glance, covering basic protection such as minor illness, serious illness, exemption of the insured, and responsibility for death. I feel that this covers a wide range.
When it comes to price, compared with other insurances, 30-year-old people buy 500,000 consumer critical illness insurance, life insurance, mild and moderate illness insurance and critical illness insurance. As long as everyone pays less than 6000 yuan a year, the price is quite low.
You can make a sweet profit from the price, but it doesn't prove that you have. The price of critical illness insurance is the same as that of Fosun Darwin 5 Glory Edition, but the protection of the former is not as good as that of the latter:
1. There is a gap in the protection of mild and moderate diseases.
In critical illness insurance, the upper limit of the number of payments for minor illness is once, and the upper limit of the number of payments for moderate illness is also once, with 30% of the insured amount for minor illness and 50% of the insured amount for moderate illness; However, the glory version of Fosun Darwin 5 will pay you 3 times for mild illness and 2 times for moderate illness. The compensation provided to consumers is 30% and 60% respectively.
Harmony is full of happiness. Critical illness insurance is not as good as Fosun Darwin 5 Glory Edition in terms of the number of claims and the proportion of claims.
Most friends may think that their luck will not be so bad, just suffering from these two different mild or moderate diseases, so the number of times does not need to be so concerned. However, no one can say clearly whether there is such a thing as illness. If this really happens, we will face the second question: what is the difference between compensation for a disease and no compensation?
What's more, the price of Fosun Darwin 5 Glory Edition is much more affordable than critical illness insurance, and the protection is far less than others, which is really disappointing.
2. Is there any optional responsibility?
The optional liability of critical illness insurance is also very few, excluding the secondary compensation guarantee for high-risk and serious diseases such as cardiovascular and cerebrovascular diseases.
Never think that the second compensation guarantee for cardiovascular and cerebrovascular diseases is useless, such as acute myocardial infarction. Curing it is to keep blocked blood vessels unobstructed without complications.
But the heart has three aorta, and any acute occlusion is acute myocardial infarction. If you don't pay attention to a healthy lifestyle and don't take medicine on time, there is still a certain risk, and you may get stuck in other blood vessels and then relapse.
Explain that the cause exists for a long time, and there is still a risk of recurrence anyway.
Therefore, people who have high work pressure, stay up all year round and like smoking and drinking should pay special attention to the protection of cardiovascular and cerebrovascular diseases. Full of harmonious and prosperous critical illness insurance, there is no chance to choose. If you think this kind of guarantee is more suitable for you, you can only choose other products.
Fosun Darwin 5 Glory Edition has done a very good job in optional responsibility, and can add any protection you want, which is more flexible.
The above content is a simple evaluation of critical illness insurance, full of harmony, health and happiness. If you need to know more about the advantages and disadvantages of this product, please continue reading this article: the thorny issue of harmonious and happy critical illness insurance is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
Based on the above analysis, the critical illness insurance in a harmonious and prosperous age is not suitable for choice.
After all, it has to sacrifice some mild and moderate disease protection for consumers in order to achieve the cost-effectiveness of external publicity. However, after removing the protection of mild and moderate diseases, the price is still not as good as other serious illness insurance on the market that does not reduce the protection. This wave of operation is really speechless. ..
This is not a sabotage by senior sister. Compare the price and guarantee of excellent critical illness insurance compiled by senior sister, and you will know whether what senior sister said is right: 10 is a saving and good critical illness insurance!
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