However, there are still many friends who do not know how to choose so many critical illness insurance products. So today, Senior Sister takes Ping An Yu Xiang Fu Critical Illness Insurance as an example to see what protection functions this product has!
Before we started the formal evaluation, senior sister compiled a popular science article about critical illness insurance for everyone. Interested friends can have a look:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
1. What does China Ping An Life Insurance Company of China Insurance Company's critical illness insurance protect?
Let's take a look at the essence of the protection of the emperor's critical illness insurance:
As can be seen from the protection map, China Ping An Life Insurance Company of China Insurance Company Fu's critical illness insurance is an adult lifelong critical illness insurance. Only people aged 65,438+08 ~ 55 are allowed to take out the insurance, and the basic protection is in place, including the protection of serious illness, moderate illness and minor illness, as well as the protection of death and the exemption of the insured.
Moreover, the emperor enjoys the following highlights in critical illness insurance:
1, short waiting time.
The waiting period of China Ping An Life Insurance Company of China Fu critical illness insurance is only 90 days, which is more beneficial to the insured than those critical illness insurance with the waiting period of 180 days in the market.
Because under normal circumstances, insurance companies do not provide waiting period protection. The shorter the waiting period, the sooner the insured can get protection.
Speaking of which, if you want to know more about the waiting period, you can also look here:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Moderate and mild diseases are optional responsibilities.
The critical illness insurance of China Ping An Life Insurance Company of China Insurance Company needs to choose responsibility. Moderate illness and mild illness are optional responsibilities, and the insured can choose flexibly according to his own needs. This has a great advantage, that is, the guarantee of returning to nature.
For example, those with insufficient budget can choose important critical illness insurance, so that they can save more money.
For those who have sufficient economic budget, in order to make the security more perfect, when you want to take out the security of enjoying serious illness, you can add the security of moderate illness and mild illness.
After analysis, it is found that the insurance method provided by Fu's critical illness insurance is still very flexible and can meet the requirements of people with different economic conditions. It is very caring!
3, serious illness, death insurance can be increased.
As for the critical illness insurance enjoyed by China Ping An Life Insurance Company of China Insurance Company, there is one of the biggest highlights, that is, the insurance coverage for old or serious illness will increase:
For example, if the insured gets Chinese medicine for the first time before the age of 70, then he will have a chance to increase his insurance coverage by 20% after his death or serious illness;
For example, if the insured suffers from mild illness for the first time before the age of 70, the coverage for death or serious illness can be increased by 10%, and then different kinds of mild illness can be diagnosed when the insured is not over 70. The protection of death or serious illness can also be increased by 10% in sequence, up to 60%, which can be increased by 6 times.
Increasing the insurance coverage is really attractive. If you are unfortunately seriously ill or die, you can get more compensation.
Second, is the value of China Ping An Life Insurance Company of China Company's royal critical illness insurance worth buying?
However, nothing in the world is perfect. China Ping An Life Insurance Company of China Insurance Company's Royal Premium Life Insurance and Critical Illness Insurance have these shortcomings. Let's see if you can ignore them:
1, only 1 time for moderate symptoms.
China Ping An Life Insurance Company of China Insurance Company enjoys only one payment for the serious illness, and the protection for the insured is relatively limited.
After all, we can't predict whether we will suffer from chronic diseases several times. If we are equipped with the Royal Happiness Critical Illness Insurance, if we are unfortunately suffering from chronic diseases, we will not be able to pay for the claims, and we still need to pay for this series of medical expenses ourselves.
2. Lack of protection for high incidence and mild diseases.
There are many deficiencies in the protection of minor illnesses, including 40 minor illnesses, but there is no protection for some high-risk minor illnesses at all.
For example, chronic liver failure, cochlear implant, moderate chronic respiratory failure, these high-risk, mild diseases, critical illness insurance is not guaranteed at all.
Senior will give you an example of chronic liver failure. First of all, from a clinical point of view, the most critical factor leading to chronic liver failure is long-term dysplasia, which leads to low liver function and failure. If it is not treated as soon as possible, the liver will deteriorate and the liver function will gradually weaken, which will lead to good health.
On the whole, China Ping An Life Insurance Company of China Insurance Company Fu's critical illness insurance has a bright spot, that is, it has increased the insured amount, which is indeed a full guarantee. However, we should pay attention to these two points. He pays less for chronic diseases and lacks protection for high incidence and mild diseases.
The critical illness insurance value of Fu of China Ping An Life Insurance Company of China Insurance Company is not trustworthy, and we still need to judge it according to our own actual situation.
Finally, seniors sorted out more related protection contents of China Ping An Life Insurance Company of China Insurance Company's royal life critical illness insurance. You can have a look:
"China Ping An Life Insurance Company of China Insurance Company's critical illness insurance protection content is revealed! Look before you buy it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!