First, the adult protection analysis of Fosun and Jinjia. Fosun and Jinjia adult critical illness insurance, with specific coverage as follows:
1. Basic responsibilities:
1 16 kinds of critical illness insurance:? Payment 1 time,100% of the insured amount;
12 disability insurance for specific diseases:? Pay extra 50% of the insured amount;
12 The specific diseases are as follows:
2. Optional responsibilities:
Insurance premium for 25 China diseases:? Pay 2 times, each time paying 50% of the insured amount; Payment for each chronic disease 1 time;
Insurance premium for 50 kinds of mild diseases:? Pay 3 times, paying 35%, 40% and 50% of the insured amount in turn; Each small disease limit 1 time.
Let's take a look at how the adult critical illness insurance in Jinjia guarantees the high incidence of mild/moderate diseases:
It can be seen that the high incidence of mild and moderate diseases is guaranteed.
Death/disability/terminal illness insurance: 200% of the premium paid before 18 years old; 100% after the age of 8;
Insurance premium exemption of the insured/insured:? If a mild/moderate disease is diagnosed, the premium is exempted and the protection is still effective.
Generally speaking, this product guarantee is still possible, with its own disability protection, which can be separately attached to mild/moderate illness, death/total disability/terminal protection.
Second, the cost performance analysis of Fosun and Jinjia adult critical illness insurance. Shen Lanjun chose several high-cost critical illness insurances that are popular in the market for comparison:
Draw a direct conclusion:
In contrast, compared with other critical illness insurance, Golden Armor needs additional protection for other mild/moderate diseases besides critical illness insurance, and comes with disability protection, so the price is relatively expensive.
If you choose 70 years old: men can consider super Mary 2 MAX. Although the price is not the lowest, it is very guaranteed. If you are diagnosed with a serious illness before the age of 60, you can pay an extra 60%. Women can choose Ruihua Kangruibao with the lowest price. You can apply for insurance before the age of 40, and you can pay 30% more before 10.
If you choose to keep it for life: men can choose Jiahe insurance, which is not the best, but the price is the lowest; Women can consider super Mary 2 MAX, who is diagnosed with serious illness before the age of 60, and can pay an extra 60%, and the price of women is not expensive.
The above content is transferred from Deep Blue Treasure official website, I hope it will help you! ?