There are many critical illness insurance products on the market, so you need to have a basic understanding of critical illness insurance before you can make a certain judgment. The insurance strategy of critical illness insurance is shared with everyone: which one is better to buy critical illness insurance? What kinds are there? How to buy?
1, product advantage introduction
(1) Long payment period
For the insured, the longer the payment period, the less the payment pressure. Worry-free life 2020 supports 30-year payment, which can not only reduce the payment pressure of policyholders, but also increase the insurance leverage.
(2) Incremental compensation for minor diseases
This product contains 50 kinds of mild illness protection, which can be paid for three times without grouping, and the number of payments is reasonable. And the proportion of compensation is gradually increasing, and the maximum compensation can be 50% of the basic insurance amount.
(3) It can be matched with medical insurance.
Worry-free life 2020 can also be matched with millions of medical insurance and small medical insurance to solve the problem of medical expenses and form a more comprehensive insurance guarantee.
2. Product defects
(1) Mild symptoms have hidden grouping.
Although there is no mild grouping in the terms of this product, there is actually an invisible grouping, that is, there is only one case of multiple diseases. For example, "atypical myocardial infarction" and "coronary artery bypass grafting" can only pay for one.
(2) The proportion of down payment for mild illness is low.
Although the proportion of minor illness compensation for this product is increasing step by step, the down payment ratio is only 20%, and the protection is slightly insufficient. In addition, this product still lacks protection against diseases.
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