As for the price, as far as the product itself is concerned, the price is not cheap. The 30-year-old male (500,000 insured amount) is close to 1 10,000, and there are still some tricks. If you are not careful, you will be cheated.
Sister Xue therefore made an evaluation, and interested friends can click to view it! Is the protection of orange guardian 1 comprehensive? Is it worth buying? Let's analyze it with your questions:
Is the guarantee of Fude Life Life Orange Guardian 1 deceptive?
1. Fude Life Life Orange Guardian 1 What are the breakthrough guarantees?
Before giving you the answer, you can browse the complete guarantee content of orange guardian 1:
Orange Guardian 1 is rich in security. Senior feels that there are two guarantees that make people feel freshest:
1.？ Strong support for serious illness
The serious illness of orange guardian 1 turned out to be three times without a group payment! Even today, there are not a few products that start to pay for serious illness without grouping, but most of them only pay twice, and the proportion of extra compensation ranges from 60% to 80%.
However, the number of claims made by Orange Guardian 1 has reached three times, which is unprecedented. Moreover, if the diagnosis is made before the fifth anniversary of the policy1,you can still pay an extra 100%, which can be said to be very satisfactory.
Most people think that things with low probability of suffering from different serious diseases will not happen to them. In fact, the number of people diagnosed with cancer accounts for 80% of all people with serious diseases; Moreover, the long-term impact of cancer on people's immune system will also make people suffer from other serious diseases, far higher than healthy people.
Therefore, many people suffering from serious illness are not a serious illness, but may be two or even three. At this time, it is very important to pay more for the critical illness protection.
Do you have to choose more times to pay extra for serious illness? I don't think so! Many statements are not all advantages. Please read the following for a deeper understanding:
Will it be more cost-effective to accompany the critical illness insurance once more?
2.？ Extra compensation for specific benign tumors
Orange Guardian 1 not only has the basic guarantee content, but also increases the extra compensation for specific benign tumors, and the maximum compensation can be 20% of the insured amount. I promise it's still very sweet.
Benign tumors generally do not belong to the scope of critical illness insurance, which is very different from malignant tumors-mild illness insurance. It is a tumor disease with low probability of malignant transformation, recurrence or spread.
However, the impact of benign tumors on people cannot be underestimated. If benign tumors grow out and squeeze into some important parts of the body such as brain and spinal cord, it will be life-threatening; And some benign tumors will also have benign lesions or malignant transformation points, which is the occurrence of malignant tumor diseases.
Most benign tumors need surgical resection, which involves a lot of expenses and economic losses; If a benign tumor disease is diagnosed, the maximum amount of compensation of 500,000 yuan can be 654.38+10,000 yuan, which is of great help to our medical expenses.
2. What is the price/performance ratio of Fude Life Life Orange Guardian 1? Observing the guarantee of Fude Life Life Orange in the first 1 period, we will find that its basic guarantee is really excellent, its compensation strength is acceptable and its performance is commendable; In addition, orange guardian 1 has a variety of optional guarantees, which we can better meet the needs when choosing.
According to the price of Orange Sky Guardian 1, if a 30-year-old man comes to buy 500,000 insurance, he will pay the premium for 30 years. In the absence of other protection, as long as he pays no more than 1 10,000 yuan a year, he can have three times the serious illness protection. I have to say that the cost performance is super high.
Regarding the performance level of Fude Life Life Orange Guardian 1 in the market, we can learn from this comparison table that:
136 national universal critical illness insurance comparison table
On the whole, the performance of Fude Life Life Orange Guardian 1 Critical illness insurance is still relatively excellent. The most important basic guarantee has not been lost, and some innovation guarantees have been added. It is suggested that friends who want comprehensive protection and pursue overpayment can consider Fude Life Life Orange Guardian 1, which has achieved very good cost performance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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