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"Super complete! Everything you want to know about insurance is here.
First, the content analysis of Kunlun healthy lung specific disease insurance!
Before it's too late, the senior posted the protection map of Kunlun health lung specific disease insurance for everyone to see:
After reading the above protection map, I think everyone already knows the protection responsibility provided by Kunlun Health Lung Specific Disease Insurance. Today, senior school sister will deeply study this product through insurance rules and security responsibilities.
1, insurance rules
The age range of Kunlun health lung specific disease insurance must be 28 days (inclusive) to 55 years old (inclusive) after birth. This insurance age range is not very thoughtful.
It should be understood that there are many specific disease insurances in the market that require the maximum insured age to be 60 years old, while Kunlun Health Lung Specific Disease Insurance excludes the elderly over 55 years old.
Contrastive analysis shows that this product cannot meet the insurance needs of more people. In this regard, Kunlun health lung specific disease insurance is not very commendable.
Kunlun health lung specific disease insurance only stipulates a one-year guarantee period, and consumers can only pay all the premiums in one lump sum. After the guarantee expires, they can re-apply to the insurance company for renewal according to their own preferences.
And the waiting period of this product is only 90 days. If the insured is diagnosed with the specific lung disease agreed in the contract for the first time within 90 days, the insurance company will not pay compensation, and will only be allowed to refund the corresponding premium.
Once you reapply for renewal, there is no 90-day waiting period for renewal.
2. Analysis of guarantee responsibility
Kunlun Health Lung Specific Disease Insurance only covers lung specific diseases and does not cover other specific diseases.
To put it bluntly, a specific lung disease refers to a malignant tumor that meets the conditions described in the definition of "malignant tumor-severe" and originates from the lung, trachea and bronchus.
During the guarantee period, if the insured first checks out the specific lung disease agreed in the contract after 90 days from the effective date of the contract or when applying for renewal of insurance, and meets the claim conditions, the insurance company will pay 100% of the basic insurance amount.
According to the survey data, it is not difficult to see that the average total cost of treatment for lung cancer patients is as high as 262,000, including self-funded 1.55 million; In terms of the cost of lung cancer treatment, 87.5% of the respondents said that the family economic burden was moderate or heavy.
And get the insurance money of Kunlun health lung specific disease insurance, the patient's disease can be better treated, and the economic burden of the insured during the illness can be reduced.
From this point of view, Kunlun health lung specific disease insurance is still relatively excellent ~
The above is the main content of Kunlun health lung specific disease insurance. If you want to know more about this product, you can read this article:
Is the insurance value of Kunlun healthy lung specific diseases worth buying? You will know after reading these! 》
2. Is Kunlun health lung specific disease insurance worth buying?
Generally speaking, the cost-performance ratio of Kunlun health lung specific disease insurance is a bit low, and the protection is lacking. The warranty period is one year, and it is not worth buying without renewal.
Therefore, Senior Sister suggested that friends should buy a high-quality critical illness insurance for themselves before taking out insurance, plus Kunlun Health Lung specific disease insurance to strengthen disease protection.
If you want to know what high-quality critical illness insurance is available in the market, you can look at this list prepared by senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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