But before that, you can read this article again, and you can take it out for reference when you apply for critical illness insurance in the future:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
1. Fude's life and health enjoy worry-free critical illness insurance protection!
Let's take a look at the product evaluation chart first:
1. Compensation for mild/moderate diseases has been put in place.
As can be seen from the analysis of the above figure, the payment ratio of Fude Life Insurance for chronic diseases is set at 60% of the basic insured amount, and the payment ratio for mild diseases reaches 30% of the basic insured amount.
This payment ratio is relatively excellent, and most of the critical illness insurance products with good performance on the market are paid in this way. Then Fude Life Insurance enjoys worry-free and serious illness insurance in this respect.
2. Immunity of the insured
Fude Life Insurance enjoys the protection of the insured's exemption from minor/moderate/severe diseases. That is to say, when the insured is diagnosed as a mild/moderate/severe disease for the first time due to unexpected reasons or after the waiting period, he has the opportunity to waive the subsequent premium payable.
In short, if the insured encounters the above situation, there is no need to worry about not being able to pay the subsequent premium. If the exemption is triggered, the insured can still enjoy the policy benefits.
3. The waiting time is very short
As we all know, the waiting period of critical illness insurance is generally increased to 90 days or 180 days. If there is an accident during the waiting period, the insurance company will not pay for it. Therefore, the shorter the waiting period, the more thoughtful it will be for consumers.
Fude Life's worry-free critical illness insurance covers 90 days, which means that the waiting period in the market is shorter, and the probability of payment is greater than that of critical illness insurance with a waiting period of 180 days. This is also a good point for Fude to enjoy worry-free and serious illness insurance.
About the overview of Fude's life-long worry-free critical illness insurance, Senior Sister introduced it here first, and interested friends can also poke this link for details:
Fuld's life is healthy and carefree. Can critical illness insurance really enjoy worry-free? Let's start with a paragraph! 》
2. What should I pay attention to when insuring Fude's life and health and enjoying worry-free and serious illness insurance?
1. Lack of extra compensation for serious diseases
Although the protection for mild/moderate diseases is friendly, this senior did not see the relevant protection in the terms of Fude Life's worry-free serious illness insurance contract, and the proportion of each serious illness payment reached 100% of the basic insured amount.
Remind everyone that there are many well-done critical illness insurance products on the market, all of which provide additional compensation for critical illness. Usually, when the insured suffers from the serious illness agreed in the contract for the first time, the insurance company will not only pay the basic contract protection, but also agree on a certain proportion of the basic insurance amount, so that the insured can have more comprehensive protection.
Fude Life enjoys worry-free and serious illness insurance, and there is still room for improvement in this respect. If you are not satisfied with this aspect, you should reconsider whether to take out insurance.
2. Malignant tumor-serious lack of protection
As can be seen from the analysis of the above figure, Fude Life Insurance enjoys worry-free critical illness insurance, including six groups' compensation. In the critical illness insurance products that have been paid for many times, we actually see the grouping of critical illness. Therefore, the senior sister does not mean that grouping serious illness is a weakness, but reminds friends to pay more attention before buying to avoid unpleasant disputes in subsequent claims due to negligence in the early stage.
In fact, there are also a small number of critical illness insurance in the market that are not grouped. For example, Harmony Aegis No.7 critical illness insurance, Harmony Health Apollo No.2 critical illness insurance, Fude Life Kangrui Life Critical illness insurance, etc. are actually critical illness insurance that cannot be paid in groups for many times.
In addition, it should be noted that malignant tumors have a high probability of persistence, metastasis and recurrence. Under normal circumstances, the insured needs adequate protection in this respect, but this critical illness insurance does not have multiple payments for malignant tumors. And some good critical illness insurance products are often stronger in the protection of malignant tumor-critical illness, which will cover multiple payments.
It can be seen that the protection of Fude's life, health and worry-free critical illness insurance is not strong enough, the protection is not comprehensive enough, and the comprehensive cost performance is not high enough. From this point of view, senior sister suggested that we should carefully consider the carefree critical illness insurance of Fude Life Insurance and compare it with other critical illness insurance on the market.
Regarding the grouping of serious diseases mentioned above, interested friends can click this article to learn more:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
Write it at the end
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