The following sister will give you an in-depth evaluation! This article can help you get familiar with Le Kang's critical illness insurance in advance. Friends who don't know, come and see:
Can Fude Life Entertainment Critical Illness Insurance Guarantee Health? An analysis! 》
1. How about Fude Life Life Recreation Critical Illness Insurance? OK or not?
As usual, I'll show you the product form of Fude Life, Recreation and Critical Illness Insurance:
1, analysis of insurance conditions
In the age of insurance, Fude Life and Recreation Critical Illness Insurance allows people born from 25 days to 35 years old to buy it, which is a bit narrow.
In addition, as a one-year critical illness insurance, Fude Life & Recreation Critical illness insurance has and only provides the option of "1 year" in the coverage period.
This can be understood as that after the insurance expires, friends need to buy again in order to continue to enjoy the protection of this product.
It should be noted that this product is not guaranteed to be renewed, so the guarantee is not very good, and it is more suitable for people with a small budget as a guarantee for the transition period.
If you have sufficient funds, or want to get a longer-term and stable guarantee, try to choose long-term critical illness insurance products.
Let's know the payment term. Fude life entertainment critical illness insurance only covers one option-wholesale payment, and does not provide monthly payment option.
Finally, the waiting period of Fude Life, Recreation and Critical Illness Insurance covers 30 days. If the insured is in danger due to reasons other than accidental injury during this period, the insurance company will not provide corresponding insurance compensation.
2. Security content analysis
In the content of protection, Fude life entertainment critical illness insurance is divided into basic responsibility and optional responsibility. The basic liability refers to the critical illness insurance, and the optional liability refers to the specific illness insurance, which is relatively simple without adding the common and practical mild and moderate illness protection.
Many friends may not be familiar with the use of mild and moderate disease protection, so listen to the explanation of senior sister slowly.
It can be said that mild illness is actually the early and middle stages of major diseases, and the degree of illness is not as good as that of severe illness, but if it is not treated in time, it is likely to deteriorate into severe illness.
Because medical technology is getting higher and higher, coupled with the improvement of physical examination rate, many serious diseases can be detected in the early and middle stages.
Therefore, if a critical illness insurance product provides protection for mild and moderate diseases, it can effectively lower the threshold of claims, encourage the insured to find and treat as soon as possible, and reduce the risk of mild and moderate diseases becoming serious diseases.
Moreover, now "serious illness+moderate illness+mild illness" can be understood as the standard of serious illness insurance products. After all, only in this way can we enjoy more comprehensive basic protection, and Fude's life and recreation critical illness insurance does not cover the protection of minor diseases, which is really lacking in sincerity.
Friends who value the protection of mild and moderate diseases may wish to take a look at Versailles plus critical illness insurance. This product pays 30% for mild illness and 60% for moderate illness, and also provides extra compensation for specific age groups, which is outstanding in the market.
In addition, Versailles plus critical illness insurance also has many bright spots. For more information, see the following links:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, is Fude Life Life Recreation Critical Illness Insurance worth starting with?
In short, the protection of Fude's life, recreation and critical illness insurance is not particularly strong. On the contrary, there are many matters needing attention and the comprehensive cost performance is not high. It is recommended to make a comprehensive comparison, look at other excellent critical illness insurance products with more comprehensive protection on the market, and then choose the right product to insure!
If you want to find a more comprehensive and practical insurance friend, Senior Sister still suggests looking at 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
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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