After reading the following article, you will know: How about China-UK Carefree Critical Illness Insurance? Is it worth buying? I'll show you in 2 minutes!
1. What are the advantages and disadvantages of worry-free critical illness insurance?
Not much to say, let's take a look at the product form diagram of Pentium worry-free critical illness insurance:
As can be seen from the above figure, worry-free is mainly a combination insurance consisting of serious illness and both. As the main insurance, 146 diseases are partially covered by serious diseases, of which 146 diseases are covered by serious diseases and 40 diseases are covered by mild diseases.
Then, can the protection of worry-free critical illness insurance be played, and the evaluation results will be announced immediately:
(A) Advantages
1, the extra compensation for serious illness is very large.
Pentium's worry-free critical illness insurance is still competitive in the market. If you are diagnosed with a serious illness before the age of 665,438+0, you can pay an extra 50% of the basic insurance coverage, which means that if you buy a 500,000 insurance coverage, you will have a 750,000 insurance coverage if you suffer from a serious illness before the age of 665,438+0.
Most of the extra compensation for serious illness in the market is kept at around 50%, and the worry-free serious illness insurance has undoubtedly reached the average level, which is still remarkable.
2. Two kinds of risks can be added.
The form of worry-free insurance is main insurance, critical illness insurance+additional two all risks, which can be returned at maturity. If the insured doesn't make a claim within the validity period of the contract and then survives at the end of the contract, he can get the returned premium, so the client doesn't have to worry about being damaged by not making a claim.
However, there is still one place that everyone should pay attention to. The death claim of Pentium worry-free critical illness insurance can only be part of the premium payment, not the basic insurance amount.
In many products on the market, the compensation for death/total disability is mostly paid before 18 years old, and the basic insurance amount after 18 years old.
(2) Disadvantages
1, insecure
The protection of worry-free critical illness insurance is really not enough. There is no protection for Chinese diseases, no secondary compensation for cancer, and no secondary compensation for specific diseases such as cardiovascular and cerebrovascular diseases.
At present, the basic configuration of critical illness insurance includes mild, moderate and severe. Ping An's critical illness insurance products have been criticized for not having the protection of moderate diseases, and this year's upgrade has also increased the protection of moderate diseases. This shows that the protection of worry-free is not comprehensive enough.
Otherwise, look at the upgraded Ping An Fu 2 1, which not only has the protection of 20 chronic diseases, but also has a friendly payment ratio: Ping An Fu 2 1 What is the specific critical illness insurance, and what are its advantages and disadvantages? Full text evaluation!
In addition, cancer and cardiovascular and cerebrovascular diseases, which are the top three causes of death in China and the top three claims data of high-risk and serious illness insurance companies (as shown below), have extremely high recurrence rates, with the highest recurrence rate approaching 100%, such as glioblastoma in cancer.
As we all know, cancer treatment is expensive. If Pentium Worry-Free can provide the corresponding second payment guarantee, it can reduce the economic burden for consumers to some extent.
2, the premium is expensive
According to the official demonstration of Pentium's worry-free critical illness insurance, if a 0-year-old girl is insured with a coverage of 500,000 yuan, which will be paid in five years until she is 70 years old, plus two full insurance policies, the annual premium will be 1 1340 yuan, which is much more expensive than ordinary consumer critical illness insurance. Plus tens of thousands of premiums every year, the cost performance is not high.
3. The longest payment period is only 20 years.
Generally speaking, the longer the charging period, the higher the leverage, that is to say, the longer the payment period is chosen, the less the annual payment pressure will be. The longest payment period of Pentium's worry-free critical illness insurance is only 20 years, which is not competitive enough compared with other products with a payment period of 30 years.
Second, is worry-free critical illness insurance worth buying?
Generally speaking, this product provides additional compensation for serious diseases, but the coverage content is too simple, lacking secondary compensation for the protection of moderate diseases and specific high-risk diseases, and the coverage is not comprehensive, and there is not much advantage in price, and the performance is average.
Friends who want to buy critical illness insurance recently suggest comparing other products. If you don't know where to compare, you can look at the ten items listed by your senior sister. There is always a new definition of critical illness insurance, and the most worth buying is here!
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