Analysis of advantages and disadvantages of AIA's all-help treasure
Friendship and the advantages of friendship
A serious illness ensures peace of mind
2. Pay 50% extra for modern diseases.
3. Pay an extra 50% for specific malignant tumors.
4. Pay 50% after suffering from the second serious illness.
5. 10 all-round guarantee
6. The payment price of19 is better.
The protection of mild illness is wider.
All the savings and valuable shortcomings of AIA.
1. "One fifth" with heavy insurance liability
Many people say that this product is fully guaranteed, so let's take a look at what is written in the terms. It is stated in the clause: "The Company will only pay one of five payments, namely, the first major disease of category II, insurance premium for terminal illness, insurance premium for total disability, insurance premium for long-term care of the elderly and insurance premium for death, and the first one will be paid first." It should be said that the price of this insurance is quite expensive in the market. After all, every insurance liability is bought by the customer. It is normal that there are many insurance responsibilities and high prices, but the first five guarantees are actually only one of five choices. What's the difference between this and two choices, three choices and four choices? The insurance company only pays once! ! It's like there are five main courses on the menu, and you only have one in the end.
2. Immunity of the insured
It is very important to buy insurance for children, and the exemption of the insured is very important. The exemption of lifelong health of all friends includes the death of the insured and the exemption of total disability. However, we should also pay attention to the exemption in the terms. In both cases, the insurance premium can be exempted to the first policy anniversary date after the insured under the master contract turns 22 (if the policy anniversary date is the same as the insured's birthday under the master contract, it will be exempted to the insured under the master contract when he turns 22). If the insurance contract free of premium is still valid and the premium must be paid, the insured must still pay the future premium. Usually, exemption means that the premium is not paid in the later period, but this insurance is exempted until the child is 22 years old, which is relatively rare in many insurance exemption clauses. Assuming that the payment is calculated by 19, the insurance must be taken out before the child is 3 years old, otherwise, unfortunately, an insurance exemption accident has occurred and the premium will be paid after the age of 22.
3. Mild diseases and children-specific diseases "choose one from two"
Mild diseases (referred to as first-class serious diseases in the clause) can only be paid once for children with specific diseases before the age of 75 and before the age of 22. In the original clause, "the company only pays one of the critical illness insurance premium below Grade I and the child-specific disease insurance premium below Grade II, and the first one pays." In case of severe Kawasaki disease, AIA will pay 20% of the insured amount. About rheumatoid disease: AIA pays 20% of the insured amount. However, for other products, because the serious illness covers severe Kawasaki disease and severe rheumatoid disease, it is paid according to the insured amount 100%.