There are also many small partners asking, is the cost performance of Leshou long-term care insurance really that high? Is it really worth buying?
Today, Senior Sister will take a look at Leshou Long-term Care Insurance with everyone to see if it is really so excellent. Click the link below to learn the true face of Leshou Long-term Care Insurance:
Want to insure PICC life insurance and longevity care insurance? You have to know this first! 》
1. What is the coverage of the long-term care insurance of Leshou?
Sister Xue sorted out the safeguard map of this product. Let's see:
1. Flexible payment period
As can be seen from the protection map, the payment cycle of Leshou long-term care insurance is more humanized, and six payment cycles are set.
The insured can choose the desired payment period from his own financial situation.
The longer the payment period, the smaller the payment pressure.
The longest term of Leshou long-term care insurance is 30 years, which is very friendly for people with low income and heavy debts.
At the same time, the longer the payment period, in the case of adding other types of insurance, in other words, the more opportunities to claim premium exemption rights, not only have the opportunity to reduce the payment pressure of the insured.
2. Short waiting time
The waiting period of Leshou long-term care insurance is within 90 days. Generally speaking, the waiting period of nursing insurance in the market is 180 days, which is commendable to be 90 days. Relatively speaking, Leshou long-term care insurance is a bright spot.
Maybe the insurance company won't pay for the accident during the waiting period, but the shorter the waiting period, the sooner you can enjoy all the protection and minimize the situation of not paying for the accident during the waiting period.
Leshou long-term care insurance is still very popular in this respect.
You can click on the link below to see the contents of the waiting period that everyone is most concerned about:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
3. The guarantee content is comprehensive.
The coverage of Leshou long-term care insurance is good, including intensive care unit rehabilitation insurance, specific disease long-term care insurance, accidental disability long-term care insurance, long-term care and nursing, and long-term care exemption insurance.
No matter whether the insured is admitted to the intensive care unit for treatment and meets the corresponding nursing requirements, or reaches the nursing status corresponding to a specific disease, or suffers some accidental injury and becomes 1-3 disability, as long as the payment conditions agreed by the insurance company are met, the corresponding long-term insurance benefits can be obtained.
However, it should be noted that when applying for rehabilitation insurance in ICU, if the insured has met the payment conditions of long-term care insurance for specific diseases or accidental disability, the insurance company will pay long-term care insurance for specific diseases or accidental disability, and the insured will no longer enjoy rehabilitation insurance in ICU.
It can also be understood that insurance companies will give priority to a certain proportion of long-term care for specific diseases or long-term care for accidental disabilities, both of which can only be enjoyed once.
In addition, if the insured meets the payment conditions of long-term care insurance for specific diseases or long-term care insurance for accidental disability for the first time, he will also enjoy the extra premium paid to the insured; If other contracts are attached, the subsequent premium can be exempted at this time, and you can continue to receive protection.
4. Two risks can be added.
Leshou long-term care insurance can also supplement Leshou two insurances.
For this kind of additional insurance, it mainly provides expiration insurance and death insurance.
If the insured survives to maturity, the insurance company will provide an insurance premium due; If the insured dies within the protection period, the insurance company will pay a certain percentage of death insurance money to the beneficiary.
The applicant can choose whether to add this additional insurance according to his personal situation.
You can click on the link below to see the content of endowment assurance that you care most about:
"About the two insurance, the salesman won't tell you! 》
Second, you should pay attention to this before you take out the life insurance!
The longest payment period of rehabilitation insurance in intensive care unit of Leshou long-term care insurance is 6 months, while the longest payment period of some products on the market reaches 12 months.
In addition, the longest payment period of Leshou long-term care insurance is 60 months and 120 months to choose from, and some commendable products on the market also cover 240 months or 360 months to choose from. Relatively speaking, the maximum payment period of Leshou's long-term care insurance is not satisfactory.
The longer the maximum payment period included in long-term care insurance, the longer we will enjoy the protection.
Therefore, longevity care insurance is not particularly advantageous in this respect.
Generally speaking, Leshou long-term care insurance is cost-effective and comprehensive, and it is worth buying.
Write it at the end
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