Before helping you break it down completely, you can come with me to see how it differs from the mainstream critical illness insurance:
Fumanyi vs National Popular Critical Illness Insurance
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
The following is a comparison between critical illness insurance and Fosun Darwin 5 Glory Edition:
In fact, from the above picture, at first glance, the protection contents of critical illness insurance, such as minor illness protection, critical illness protection, exemption of the insured, and death liability, are all included. I feel that this covers a wide range.
From the price point of view, compared with the critical illness insurance in the market, a 30-year-old person can buy a consumer critical illness insurance, life insurance, mild and moderate illness insurance and critical illness insurance with a coverage of 500,000 yuan, and it doesn't cost 6,000 yuan a year. This price is very affordable.
However, the fact that the product is not expensive does not mean that the product is cost-effective. Critical illness insurance and Fosun Darwin 5 Glory Edition have the same price, 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.
Harmony and prosperity cover minor illness once and moderate illness once, with 30% coverage for minor illness and 50% coverage for moderate illness; However, Fosun Darwin 5 Glory Edition has three opportunities to pay for mild illness and two opportunities to pay for moderate illness, with the compensation ratio of 30% and 60% of the insured amount.
Harmony, happiness and critical illness insurance, this insurance will be inferior to Fosun Darwin No.5 Glory Edition in both the number of claims and the proportion of claims.
Most friends may think that they will not unfortunately suffer from two different types of mild or moderate diseases, and there is no need to care so much about the number of times. However, there are too many uncertainties in this kind of thing. If this happens, the question is whether the second disease will provide compensation.
What's more, the price of this insurance is more expensive than Fosun Darwin 5 Glory Edition, and the protection is not as good as others, which is really disappointing.
2. Is there any optional responsibility?
The optional liability of this harmonious and prosperous critical illness insurance is too little, just like the secondary compensation guarantee for high-risk and serious diseases such as cardiovascular and cerebrovascular diseases, it is not included in its optional liability.
Don't underestimate the secondary compensation guarantee for cardiovascular and cerebrovascular diseases, such as acute myocardial infarction. Solving this disease is to solve the closed vascular channel and restore blood flow without causing complications.
It should be noted that the heart has three main arteries. No matter what kind of acute occlusion, it is acute myocardial infarction, unstable life rhythm, not taking medicine on time and so on. And there is still a certain risk, which may be blocked in other blood vessels and then recur.
Talking about people means that the cause has existed for a long time, and there is still a risk of recurrence no matter how it is operated.
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 choose other products.
However, the optional responsibility of Fosun Darwin 5 Glory Edition is much stronger than it, and you can add any protection you want, which is more flexible.
The above content is a simple evaluation of senior sister's critical illness insurance in harmonious, healthy and prosperous times. By reading the following articles, you can effectively analyze the advantages and disadvantages of this product:
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?
Generally speaking, it is not recommended that you buy critical illness insurance in a harmonious and prosperous time.
In fact, the cost performance of its publicity was obtained at the expense of partial protection for mild and moderate diseases. After the protection for mild and moderate diseases was gone, the price was much lower than that of other serious illness insurance in the market, which led to an embarrassing situation. ..
I didn't mean to damage it. I compared the prices and guarantees of these excellent critical illness insurance, so I will know whether my senior has lied:
Look at the critical illness insurance of 10 products. The price is high and the price is low!
Write it at the end
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