● Is wastewater harmful to human body?
● Will it lead to an increase in the number of cancer patients in coastal areas? ......
After all, the cost of cancer treatment is very high, and it is really difficult for ordinary families to bear the risk of serious illness. In order to avoid risks, the role of critical illness insurance is highlighted.
Today, Senior Sister will introduce you to the centennial critical illness insurance. As for the content of protection, it is not comprehensive. The following detailed analysis!
First of all, Senior Sister helped us to sort out this comparison table between Lexiang Insurance and popular products: Lexiang Insurance and National Popular Critical Illness Insurance.
The point of this article is
Analysis of Lexiangbao's guarantee content!
These three defects of Lexiangbao must be clearly seen before buying!
First, the protection content of Lexiangbao has these!
The Kanghuibao series previously launched by Centennial Life Insurance is very popular. Will this new Lexianbao critical illness insurance be just as good? Announce it now!
Cut the crap, the security map comes first:
As can be seen from the figure, the product form of Lexiangbao is not difficult to understand, including minor illness, serious illness and death responsibility, in which minor illness is optional responsibility.
Simple is simple, but Lexiangbao still has its own advantages:
1, the guarantee during the waiting period is better.
In order to prevent sickness insurance, the insurance company has set a waiting period. If you encounter illness or misfortune during the waiting period, most insurance companies will refund the premium and terminate the contract!
However, Lexiang Insurance is not. Although a minor illness was diagnosed during the waiting period, although it cannot be compensated, our contract will not be void. The protection of serious illness and death continues to protect the insured. This setting is really user-friendly.
All those things about the waiting period are in the following article: "Will the insurance company not lose money during the waiting period?" If you don't understand, you will suffer a big loss! 》
2. The payment period is set reasonably.
Everyone should know that the shorter the payment period, the more premiums will be paid each year, which will reduce the payment pressure of the insured.
Lexiangbao has payment methods suitable for different groups of people, and it also includes a long payment period of 30 years. Compared with those products with a single payment period and the longest payment period of more than ten or twenty years, this product is very rich in settings.
Second, you must regret if you don't look at the three major defects of Lexiangbao.
However, after some research by my senior sister, I found that Lexiangbao had hidden these big pits. Senior, it's too hard not to say it:
1, the insurance age is too narrow.
60 years old is the highest insurance age that Lexiangbao accepts, and it is very unfriendly to the elderly over 60 years old. The critical illness insurance with the highest insurance age over 65 years old has appeared in the market.
Moreover, the older you get, the harder it is to buy critical illness insurance, and the elderly have no chance at all under such strict age restrictions.
2, compensation for serious illness is unremarkable.
It's a pity that you only pay 1 time to take care of yourself. Not only that, you finally lost 100% of the basic insurance amount, which is really unsatisfactory.
At present, there have been many products on the market that compensate for serious illness, and the one with the most compensation has 200% insurance coverage, which means compensation is two basic insurance coverage! In this way, the protection of taking care of yourself is quite weak. ..
3. Lack of protection for diseases in China.
Generally speaking, critical illness insurance should cover mild, moderate and severe diseases. For example, those excellent critical illness insurance actually cover before illness.
However, Le Xiangbao didn't even see the shadow of China's disease protection. If PK is combined with a serious illness, the scope of compensation for China's disease is slightly lower, which means that the probability of getting compensation is greater.
It can be seen that the practicality of Chinese medicine is really good, but today, with the popularization of Chinese medicine, it is strange that Lexiangbao does not cover the protection of Chinese medicine, and it is not good to give a bad review!
To sum up, the cost performance of Lexiang Insurance is average, even if the age range of insurance is not wide, the protection is not complete. It is recommended to buy critical illness insurance, compare it and get a good product! Then if you want to know how to compare, please refer to this article: "Heavy! The new definition of critical illness insurance PK, the cheapest is this 10! 》