Today, senior sister gives you an evaluation!
What are the aspects of that high-quality critical illness insurance? The following popular science tips will tell you:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
First, is the protection of the health worry-free enhanced version good?
Let's take a look at the protection essence map of Health and Worry-Free (enhanced version) with my senior sister:
From the above picture, we can clearly know that Worry-Free Health (enhanced version) is a life-long critical illness insurance, with multiple payments, which needs to be insured by people aged 0 to 65. This product has various guarantees. Now let's talk about it in detail ~
1, What are the highlights of Health and Worry-Free (Enhanced Edition)?
(1) The guarantee content is comprehensive and diverse.
The coverage of this insurance is very comprehensive, which is also its greatest advantage. Mild, moderate and severe diseases have been basically guaranteed. In addition, there are other routine safeguards: exemption liability and death liability are also set. Critical illness care fund, malignant tumor, stroke sequelae and acute myocardial infarction are all for the protection of critical illness; If you want to add weight to your death, you can choose life insurance.
(2) Excellent basic guarantee interval.
Generally speaking, there are overpaid and overpaid critical illness insurance in the market. The time interval of serious illness compensation can be 1 year or 3 years, while the time interval of health care (enhanced version) is only 180 days. Moreover, there is no time interval to pay for moderate and mild diseases. If the time interval is not long, the waiting time for students to apply for compensation will not be long.
(3) High incidence and special disease protection are in place.
Malignant tumor not only has a high incidence rate, but also has a high recurrence rate. Stroke sequelae and acute myocardial infarction can often be seen in our environment. We should always take care of them. In view of these three special diseases, Jian Kang Worry-Free (Enhanced Edition) has specially set up multiple compensation measures, which can make us more confident in the face of these diseases.
Many younger people think that because they are strong and healthy, there is no need to spend more money on secondary compensation for malignant tumors, but this idea is actually wrong.
2. What are the shortcomings of Worry-Free Health (Enhanced Edition)?
(1) The payment period is not flexible.
Jian Kang Worry-Free (Enhanced Edition) has a maximum payment period of 20 years. Jian Kang Worry-Free (Enhanced Edition) is 10 years less than many other similar insurances, and the price of this product is not satisfactory. Jian Kang Worry-Free (Enhanced Edition) payment cycle brings heavier payment pressure to policyholders every year, which is very unfriendly to people with limited premium expenditure!
(2) The interval between secondary compensation for special diseases is long.
Multiple compensations are set for high-risk and special diseases, and the protection for serious diseases is obviously more perfect, but the health is worry-free (enhanced version). The interval between multiple compensations needs at least 5 years! For example, malignant tumors, many people suffer from cancer recurrence within three years, so many products set a three-year interval in the second payment of malignant tumors.
It is very disappointing that the longer the interval between the second payments for special diseases, the less cost-effective it will be for the insured.
The space is very short. For more details about Worry-Free Health (Enhanced Edition), interested friends can go here to check the details:
If you want to buy the "Health and Worry-Free Enhanced Edition" of Fude Life Insurance, read this article first! 》
Second, be healthy and worry-free. Strengthen these tricks, pay attention!
1, insurance needs to be tied to death liability.
One thing to note is that the death responsibility of Health Care (Enhanced Edition) is not dispensable. It is clearly pointed out that the liability for death must be considered in insurance, which will make the premium price higher. If you want to get higher insurance coverage, the premium price may make many people hesitate.
2. It will be very expensive to increase the life insurance recovery premium.
This is a relatively rare design. Many critical illness insurance in the market provide the insured with critical illness insurance protection, and will not lose a penny when he dies. The difference is that if they are healthy and worry-free (enhanced version), if they die one year later, they can pay the basic insurance amount again. This is a very friendly rule.
However, this liability premium is too high, and it is much more cost-effective to choose a regular guarantee than a lifetime guarantee.
To sum up, Jian Kang Worry-Free (Enhanced Edition) has various protection contents, but it also has many shortcomings. Senior sister suggested that friends who plan to place an order for Jian Kang Worry-Free (Enhanced Edition) should think carefully. I suggest you look at other products on the market before considering insurance!
Senior sister found some critical illness insurance products with high cost performance. You can click on this article to see:
"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;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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