Before the specific analysis, let's take a look at the difference between it and the most concerned critical illness insurance:
Comparison between Harmonious Overflow critical illness insurance and 36 Kinds of critical illness insurance
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
Why do I think there is a problem with the high cost performance of critical illness insurance in harmonious and prosperous times? Look closely at the comparison between it and Fosun Darwin 5 Glory Edition, and the result is obvious:
In fact, as can be seen from the above figure, the protection content of critical illness insurance, such as the protection of critical illness, the exemption of the insured, the responsibility of death, and the serious illness are all included, which feels more comprehensive.
Speaking of price, at present, in the same industry, 30-year-old people buy 500 thousand insurance coverage, life insurance and consumer critical illness insurance, as long as everyone pays less than 6,000 yuan a year, the price is still quite low.
However, low price does not mean no loss. The protection of critical illness insurance is really much worse than Fosun Darwin 5 Glory Edition, and the price is almost the same:
1. There is a gap in the protection of mild and moderate diseases.
In the critical illness insurance, the number of payments for mild and moderate diseases is stipulated as one time, with 30% of the insured amount for mild diseases and 50% of the insured amount for moderate diseases; However, Fosun Darwin 5 Glory Edition will compensate you three times for mild illness and two times for moderate illness, with compensation ratios of 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.
Some friends may feel that they will not be so unlucky, suffering from two different mild and moderate diseases, and the number of times should not be too concerned. However, no one can say clearly whether there is such a thing as illness. If this really happens in our life, we will have to face the second difference between disease compensation and non-compensation.
What's more, the price of Fosun Darwin 5 Glory Edition will be much cheaper than that of critical illness insurance full of harmony and prosperity, and the guarantee is still far from others, completely disappointing everyone's expectations.
This does not mean that there is no problem with Fosun Darwin 5 Glory Edition. If you are interested in this product, you can browse the evaluation of this senior:
Fosun and Darwin 5 glory edition seem perfect, but there are many defects!
2. Is there any optional responsibility?
This kind of harmonious and prosperous critical illness insurance has very limited liability, and there is no secondary compensation guarantee for high-risk and serious diseases such as cardiovascular and cerebrovascular diseases.
Don't think that the second compensation for cardiovascular and cerebrovascular diseases is useless, such as acute myocardial infarction. To say that it is cured is actually to open occluded blood vessels in time without causing complications.
It's just that the number of aorta in the heart is three. Once any one of them has acute occlusion, it is acute myocardial infarction, and the daily life style is irregular, and the medicine is not taken on time. Still be careful not to block other blood vessels and then relapse.
Simply put, the cause is long-standing, so there is a risk of recurrence even if various methods are used.
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. The critical illness insurance is full of harmony and happiness, and there is no chance to choose. If you want this kind of guarantee, you can only focus on other products.
Then the optional responsibilities of Fosun Darwin 5 Glory Edition will be relatively more, and you can add any protection you want, which is more flexible.
The above content is a simple evaluation of senior students on harmonious, healthy and prosperous critical illness insurance. You can learn more about the efficacy of this product by reading the following articles:
Harmony and happiness are full of serious illness risks, and this move is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
After a comprehensive understanding, the critical illness insurance of Harmonious Prosperity is not worth buying.
The cost performance of its propaganda is obtained by reducing the protection for mild and moderate diseases. After the protection of mild and moderate diseases is reduced, the price is still much lower than that of other serious illness insurance on the market without reducing the protection, which is embarrassing. ..
Write it at the end
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