Before the analysis begins, Senior Sister gives you a note on purchasing critical illness insurance. 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."
First, what are the advantages and disadvantages of the permanent health exclusive version?
According to the usual practice, senior sister first submits the product protection diagram of the permanent health exclusive version of critical illness insurance:
As can be seen from the above figure, the protection content of the permanent health exclusive version of critical illness insurance is relatively rich, which consists of basic protection+other protection+optional protection.
In terms of basic protection, under normal circumstances, critical illness insurance covers three kinds of protection, namely, serious illness, moderate illness and mild illness. In the permanent health exclusive version of critical illness insurance, these three kinds of protection are all in the protection content, and there is a relatively complete basic protection.
In terms of other protection, the permanent health exclusive version of critical illness insurance includes artificial lung special care, death/permanent total disability, terminal illness insurance and the insured's exemption from critical illness.
We can find that the permanent health exclusive version of critical illness insurance maintains the characteristics of Evergrande Life's critical illness insurance products, and also has artificial lung protection, which can be called the symbolic protection of Evergrande Life.
In terms of optional protection, it includes not only the first additional compensation protection for serious illness, but also the permanent health exclusive version of critical illness insurance, as well as the special illness protection for teenagers/the elderly, and can get good compensation if the compensation conditions are met.
The advantages and disadvantages of the long-term health exclusive version of critical illness insurance are shared with you:
Advantages of>& gt Permanent Health Premium Edition
1, the insurance conditions are relaxed.
In terms of insurance age, people born over 30 days to 65 years old have the opportunity to participate in the permanent health exclusive version of critical illness insurance. Compared with some products that only cover people aged 55 and 60, the former covers a wider age range.
In terms of waiting period, the permanent health exclusive version of critical illness insurance is equipped with a waiting period of 90 days, which is more humanized than the same type of products that need to wait 180 days after insurance.
As far as the payment period is concerned, the permanent health premium version of critical illness insurance is equipped with a payment period of up to 30 years, which is the best level in the market at present, which can alleviate the premium pressure of consumers and greatly increase the probability of touching the premium exemption.
Many people don't know how to choose the payment period. This article can solve your doubts:
"How to choose the payment period so as not to lose money? 》
2, can protect special diseases
Permanent health exclusive version of critical illness insurance has optional additional protection for special diseases of teenagers/the elderly. This product can cover 20 specific diseases agreed in the contract, namely 10. If the compensation conditions are met, the additional compensation amount is 100% and 50% respectively.
In this way, if the insured suffers from juvenile/elderly special diseases at a certain age, he can use the juvenile/elderly special disease insurance money for disease treatment, which is convenient to transfer the economic risks brought by special diseases in this way.
After understanding the advantages, let's take a look at the disadvantages of the permanent health exclusive version of critical illness insurance.
Disadvantages of>& gt Permanent Health Premium Edition
The long-term health exclusive version of the critical illness insurance has such shortcomings. The extra compensation for serious illness of this product requires extra money to enjoy, and the proportion of extra compensation is not high.
Look at the current market, there are a lot of extra compensation for critical illness insurance with self-protection As long as you meet the agreed compensation conditions, you can get additional compensation for serious illness, and you don't need to add it when you apply for insurance.
However, although the long-term health exclusive version of the critical illness insurance can also be attached with additional critical illness compensation, this kind of protection requires consumers to add money to enjoy, which reduces the cost performance of the product.
In addition, the proportion of extra compensation for serious illness in the permanent health exclusive version of critical illness insurance is not particularly high, that is, 20% of the insured amount, while many critical illness insurance with extra compensation in the market can generally pay 60% or 80% of the insured amount.
Second, what is the price/performance ratio of the permanent health exclusive edition?
Through the above evaluation, you can find that the advantages and disadvantages of the permanent health exclusive version of critical illness insurance are still obvious.
The advantages of the permanent health exclusive version of critical illness insurance include loose insurance conditions and coverage of specific diseases; When it comes to disadvantages, the proportion of extra compensation for serious illness is low and extra compensation is needed.
If you can accept the defects, then you can still consider starting with this long-term health exclusive version of critical illness insurance.
However, if you are very concerned about the shortcomings of the permanent health exclusive version of critical illness insurance, then senior sister suggests that you compare several other critical illness insurances repeatedly before choosing.
Permanent health exclusive version of critical illness insurance senior sister ends here. It is suggested that friends who are interested in it come here to learn more about this product:
"What's good about 2022 Evergrande Permanent Health Privileged Critical Illness Insurance? You will know after reading it! 》
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