Before telling you in detail, you can look at the difference between it and the popular critical illness insurance: the comparison between the harmonious overflow critical illness insurance and the 36 critical illness insurance.
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
Why does senior sister say that critical illness insurance, harmonious happiness and high cost performance are very difficult? Just look at its comparison with Fosun Darwin 5 Glory Edition:
In fact, at first glance, from the above picture, the protection content of critical illness insurance is full of harmony and happiness, and basic protection such as minor illness, serious illness, exemption of insurance coverage and death liability are covered. Senior sister feels very thoughtful.
When it comes to price, compared with other insurances, 30-year-olds buy 500,000-insured consumer critical illness insurance, life insurance, and protection for minor illness and serious illness, and the price is not high.
However, low price does not mean no loss. Harmonious and prosperous times are overflowing in the critical illness insurance, but the difference between Fosun Darwin 5 Glory Edition and the same price guarantee is not a little bit:
1. There is a gap in the protection of mild and moderate diseases.
Serious illness insurance can apply for light compensation, medium compensation, 30% insurance for light cases and 50% insurance for medium cases; However, judging from the glory version of Fosun Darwin 5, it has three secondary claims and two intermediate claims, with the proportion of secondary claims being 30% and the proportion of intermediate claims being 60%.
The critical illness insurance, full of harmony and prosperity, is not as good as Fosun Darwin 5 Glory Edition in terms of the number of claims and the proportion of claims.
Most of my friends will think about a problem. They are not so miserable, just suffering from these two different mild or moderate diseases, so you don't have to care too much about the number of times. But no one can say for sure whether there is such a thing as illness. If the above situation really occurs, it is the difference between compensation for secondary illness and no compensation.
Moreover, the price of Fosun Darwin 5 Glory Edition will be cheaper than that of critical illness insurance, and the guarantee of harmony and prosperity is not as good as others. It is really speechless.
2. Subtract optional responsibilities
The optional liability of this product is quite small, and it does not include the secondary compensation guarantee for high-risk and serious diseases such as cardiovascular and cerebrovascular diseases.
Don't underestimate the second compensation guarantee for cardiovascular and cerebrovascular diseases. For example, taking acute myocardial infarction as an example, to cure this disease is actually to reopen blocked blood vessels without complications.
Only the number of aorta in the heart is three, no matter which one has acute occlusion, it is acute myocardial infarction. In the past, if you didn't develop good habits and take medicine on time, you should be careful not to get stuck in other blood vessels and then relapse.
In other words, the cause is persistent, and there is still a risk of recurrence by hook or by crook.
Therefore, people who have high work pressure, stay up all year round and like smoking and drinking should pay special attention to the protection of cardiovascular and cerebrovascular diseases. The critical illness insurance is full of harmony and happiness, and there is no chance to choose. If you just want this kind of guarantee, you can only look at other products.
Fosun Darwin 5 Glory Edition has a lot more responsibilities for consumers to choose, and it is more flexible to add any protection you want.
The above content is a simple evaluation of the harmonious and healthy overflow of critical illness insurance. What are the advantages and disadvantages of this product? You can effectively analyze it by reading the following article: the thorny problem of harmonious and overflowing critical illness insurance is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
Based on the above analysis, senior students of critical illness insurance do not recommend buying harmony.
The cost performance of its publicity is obtained at the expense of the protection of some mild and moderate diseases. After the protection of mild and moderate diseases is reduced, the price is still not as good as other serious illness insurance in the market, which is very embarrassing ... This is not a deliberate destruction by the senior. By comparing the price and guarantee of excellent critical illness insurance compiled by senior sister, we can know whether senior sister is exaggerating: here are ten excellent critical illness insurance!
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!