1. In case of serious illness in the first ten years of the policy, you can pay an additional 30% of the insured amount.
Based on the insured amount of 500,000 yuan, if the insured suffers from serious illness within 10 years after insurance, the total compensation will be 650,000 yuan; 10 years later, you can still get 500,000 insurance coverage.
2. Compensation for mild and moderate diseases is not grouped and there is no interval.
There is no time requirement between the first mild/moderate illness and the second mild/moderate illness compensation; There is no grouping of disease types, which is the standard of critical illness insurance products at present. Moderate diseases pay 50% of the insured amount, and mild diseases pay 35%/40%/45% of the insured amount in turn.
3. Death protection
If the insured dies before the age of 18, the premium paid will be refunded; /kloc-died after the age of 0/8, and was paid by the insured amount.
Like most savings-based critical illness insurance with single payment, once one of them is paid for a serious illness or death, the contract is terminated and other protection responsibilities follow.
4, can be attached to the second payment of cancer.
The insured is diagnosed as a serious non-malignant tumor for the first time, and is diagnosed as a malignant tumor after 180 days, and pays 100% of the insured amount; The insured is diagnosed as malignant tumor for the first time, and will pay 100% of the insured amount if it recurs, persists, metastasizes or newly develops malignant tumor after 3 years.
Comparison between Lekang Yisheng 20 19 and similar products;
Draw a direct conclusion:
In the evaluation of single payment savings products, Anbang Chaohuibao, whether male or female, has the cheapest premium under the same guarantee, which is suitable for consumers with limited budget.
Lekang Yisheng 20 19. Although the premium of Lekang Yisheng 20 19 is slightly more expensive than that of Anbang Super Premium Insurance, it is actually quite cost-effective considering that 30% of the insured amount can be paid for serious illness in the first ten years, plus multiple payments for mild illness.
Everbright Yongming Super Mary Ultimate Edition. Cardiovascular insurance can be attached to this product, and it is stipulated in the contract that in the event of cardiovascular disease, an additional 35% of the insured amount can be paid.
Anbang Chaohuibao and Centennial Life Kanghuibao 2020. Both can be accompanied by special diseases for men and women. Relatively speaking, the additional 50% coverage of Kanghuibao 2020 is higher.
Le Kang life 20 19 can be selected as follows:
From the above comparison, Le Kang's competitiveness of 20 19 is not bad. However, when I bought Le Kang Lifelong 20 19, my dad thought it was best to protect my life. First look at the following two comparison schemes:
In the case of the second scheme, the combination of consumer critical illness insurance and term life insurance can not only obtain critical illness insurance protection. Moreover, the payment of critical illness insurance does not affect the payment of life insurance, and the two types of insurance protect the insured respectively.
The insured suffers from serious illness first and then dies, and the total compensation can reach 654.38+0 million, and the premium is cheaper. Therefore, if the guarantee period for purchasing Le Kang Lifelong 20 19 is only 70/80 years old, it is best to use consumer critical illness insurance+term life insurance.
Summary: Lekang Yisheng 20 19 has clear guarantee responsibility and good comprehensive cost performance in the same type of products; However, in terms of purchase methods, it will be better to choose the guaranteed type. But if you don't want to be limited to this, and want to know more about critical illness insurance products, you can refer to the latest product evaluation of Dad Bao official website, and do more comparative analysis, and you will have different choices.