So the seniors were very interested in it and immediately decided to evaluate it. Before the evaluation, we need to inquire about the market situation of critical illness insurance:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1. What are the advantages and disadvantages of Fude Life Insurance in enjoying health insurance and critical illness insurance?
As usual, let's take a look at the product evaluation chart first:
Browsing this product evaluation chart, in fact, this Fude Life Enjoy Health is a lifelong critical illness insurance. The insurance age is 30 days to 60 years old, and the waiting period and the longest payment period are 90 days and 20 years respectively.
From the content of protection, we can find that Fude Life's advantages of enjoying health and critical illness insurance are not outstanding, but its disadvantages are more prominent:
1, and the longest payment period is short.
Batch delivery and regular delivery are two different payment methods in the payment cycle of critical illness insurance products.
Wholesale payment refers to one-time payment of premium, while regular payment refers to installment payment of premium.
Futures delivery is the best choice for most people. In the case of choosing futures delivery, the pressure of payment can be reduced.
We can know that the longer the payment time is chosen, the lower the payment burden will be.
At present, the longest payment period of critical illness insurance products on the market is mostly set at 30 years, but for Fude Life's health critical illness insurance, it is only 20 years.
Compared with other critical illness insurance products on the market, its payment period is less 10 year, and the payment pressure of consumers is greatly increased.
For friends with limited budget, it is not very favorable for consumers to set the payment period for Fude Life Insurance to enjoy health and critical illness insurance.
The setting of extra compensation for serious illness is unreasonable.
At present, many critical illness insurances have set additional critical illness insurance payments for specific ages, and Fude Life Insurance also enjoys health critical illness insurance.
However, the health and critical illness insurance clause of Fude Life Insurance shows that:
If you choose to be insured before 18 years old, and you are diagnosed with serious illness for the first time before 18 years old or after 60 years old, you can get additional compensation of 100% of the insured amount;
If the insured is insured after the age of 18, and the first serious illness is diagnosed after the age of 70, then the amount of extra compensation is the total insured amount.
Senior sister still wants to popularize knowledge for everyone. The purpose of setting up extra compensation for serious illness by insurance companies is to provide greater protection for the family's economic pillars.
However, the extra payment of Fude Life's health and critical illness insurance has not been considered so much, and this design is very inconsistent with the actual needs.
& gt& gt Expensive insurance premium
30-year-old male, with Fude Life Insurance with a coverage of 300,000 yuan, enjoys health and critical illness insurance, and has no other protection responsibilities. It is divided into 19 years and needs to pay13,700 yuan every year.
And the same person insures other excellent critical illness insurance products on the market under the same conditions, and the premium to be paid every year is several thousand yuan.
In contrast, Fude Life's premium for health and critical illness insurance is indeed more expensive.
Because time is running out, another defect of Fude's life and health critical illness insurance will not be analyzed. Friends who are planning to buy suggest reading this article first:
How about enjoying health? I won't buy it because of this defect? 》
2. Is it recommended that Fude Life Insurance enjoy health and critical illness insurance?
At this point, I think everyone has a more comprehensive understanding of Fude Life's enjoyment of health and critical illness insurance.
To sum up, the protection of Fude's life enjoying health and critical illness insurance is not very strong, and the cost performance is not very good.
Friends who plan to buy Fude Life's health and critical illness insurance should be cautious, and it is best to compare it with other insurances before considering whether to buy it.
Of course, there will still be partners who are not interested in enjoying health and critical illness insurance for Fude Life, but it doesn't matter. There are countless excellent critical illness insurance products on the market, and there is always one you like.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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