1.？ major disease security
100 kinds of serious diseases, pay 100% of the insured amount, and pay at most 1 time.
2.？ Minor illness protection
50 kinds of mild diseases were divided into 5 groups, and paid 5 times, with 30% insured amount each time, with an interval of 180 days. You can look at the coverage of high incidence and mild diseases:
As can be seen from the above figure, there is a lack of "chronic renal failure", and the overall coverage is still relatively complete.
As mild cases are frequently grouped, we should pay more attention to the grouping of these high-risk mild cases:
It can be seen that the high incidence and mild symptoms are scattered in five groups, and the grouping situation is not bad, which can improve the probability of claims.
3.？ Death responsibility
The premium paid by the insured when he dies before 18, and the basic insurance amount is paid when he dies after 18.
4.？ exceptions
Sunshine No.1 takes care of the disease and comes with the minor illness exemption of the insured. For the insured who unfortunately got a minor illness, the follow-up premium will not be paid, and the responsibility for protection is still there.
5.？ Annuity conversion option
After the insured reaches the age of 55 and the payment period has expired, he can use the cash value in the contract to purchase the company's annuity insurance at one time after being approved by the insurance company.
Sunshine I lifelong critical illness insurance is compared with the critical illness insurance of large companies;
From the simple comparison of the above figure, it can be clearly seen that Sunshine I Insurance has many advantages in premium price, generally about 40%-50% cheaper than similar products, and the amount of minor illness compensation reaches 30%.
Summary:
Sunshine No.1 lifelong critical illness insurance has a relatively high cost performance compared with similar products. For friends who finally have a big company brand, you can consider this product; If you are not limited to this and want to know more products, you can search for the latest product evaluation and comparative analysis, and you will have different choices. If you are really worried about friends of small insurance companies, the strength of Sunshine Life is beyond doubt, but my father never worries about the bankruptcy of small insurance companies.