There are also many small partners asking, is the cost performance of lifelong care insurance really that high? Is it really worth buying?
The following sister will give you an in-depth evaluation! This article can help you get familiar with health insurance in advance. If you don't know, let's take a look:
Is it necessary to buy health insurance? These routines must be paid attention to! 》
1. What protection does lifelong care insurance have for people and the Bank?
As usual, let's take a look at the product protection map first:
It is easy to know from this full coverage map that the coverage of lifelong care insurance for people and banks is still relatively complicated. Moreover, there are still many places worthy of our attention for this complex security content. Next, Senior Sister will come to have a good talk with you.
1, analysis of insurance conditions
PICC's life-long care insurance threshold is not high, and the age range is from 28 days to 65 years old, which is suitable for most people. In addition, the insured need not worry about the renewal of life-long insurance.
Another is that the insured also has a large number of optional payment methods in the process of purchasing our lifelong care insurance, not only wholesale payment, but also 10/20/30 years, or semi-annual, quarterly and monthly payment. This flexible payment method allows most people to choose the payment period that suits them best.
It should be noted that the waiting period of PICC lifelong care insurance is set at 180 days, which is not in line with the best level in the market, but slightly inferior.
2. Security content analysis
ICBC lifelong care insurance includes nursing insurance and death insurance. Among them, the nursing insurance money can make the insured get certain protection when entering the long-term nursing regulations that meet the contract. Insurance companies also underwrite a variety of nursing insurance compensation schemes according to the different time of the insured.
And if the insured dies of illness during the guarantee period, the insurance company will also provide the insured with insurance benefits for the death of illness according to the different death time of the insured and the proportion of compensation agreed in the contract.
Compared with most similar insurance products on the market, the coverage of the People's Bank of China's life-long care insurance can only be considered general, and there are not many satisfactory places.
So is there a pit in this product? Is it worth buying? Senior sister reveals our lifelong care insurance for you, so that you can buy suitable insurance without stepping on the pit;
Can a harmonious person buy lifelong care insurance from Ren Woxing? You have to find out these things first! 》
2. What problems should the insured pay attention to in our life-long care insurance?
When purchasing our lifelong care insurance, it should be noted that the coverage of this product will increase continuously, with an increase rate of 3.5%. This is close to the increase in whole life insurance.
It can also be said that the coverage of this product will be higher, and the insured can apply for more coverage with the continuous transfer of the coverage period without reducing the coverage.
Unfortunately, PICC's life-long care insurance is not comprehensive and can't provide comprehensive disability protection for the insured from the perspective of nursing insurance. If the insured is completely disabled due to illness, the insurance company will not give the insured any protection, even if the insured amount is higher.
Generally speaking, PICC lifelong care insurance is not worth buying because of its low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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