Before we help you fully decompose it, let's take a look at the difference between it and those popular critical illness insurance: the comparison table of Fu Manyi critical illness insurance and the popular 136 critical illness insurance.
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
Is it true that critical illness insurance is extremely cost-effective? Look at the comparison between it and Fosun Darwin 5 Glory Edition, and you will find the problem:
In fact, from the above picture, at first glance, the coverage of critical illness insurance includes minor illness protection, critical illness protection, insurance coverage exemption and death liability, which I think is quite detailed.
Speaking of price, compared with other insurances, it is cheaper for a 30-year-old person to buy 500,000 consumer critical illness insurance, life insurance, and minor illness protection for less than 6,000 yuan a year.
You can make a sweet profit from the price, but it doesn't prove that you have. Harmony is full of blessings. Although the price of critical illness insurance is similar to that of Fosun Darwin 5 Glory Edition, the coverage gap is really quite big:
1. There is a gap in the protection of mild and moderate diseases.
Critical illness insurance will provide a mild compensation and a moderate compensation, the compensation ratio is 30% and 50% respectively; On the other hand, the glory edition of Fosun Darwin No.5 paid 3 times for mild illness and 2 times for moderate illness, and the proportion of compensation provided to consumers was 30% and 60% respectively.
Critical illness insurance is not as good as Fosun Darwin 5 Glory Edition not only in the number of claims, but also in the proportion of claims.
Most friends will think about a problem, and they will not be so unlucky to suffer from two different types of mild and moderate diseases, so we don't have to care about the number of times. But no one can say for sure that there is such a thing as disease. If this happens, it may be a question of whether the secondary illness can be compensated.
What's more, the price of Fosun Darwin 5 Glory Edition is much more affordable than critical illness insurance, and the protection is not as good as others, which is really disappointing.
2. Is there any optional responsibility?
This kind of harmonious and prosperous critical illness insurance has few optional responsibilities, just like the secondary compensation guarantee for cardiovascular and cerebrovascular diseases, which is not included in its optional responsibilities.
Don't think that the second compensation for cardiovascular and cerebrovascular diseases is useless, such as acute myocardial infarction. To say that it is cured is actually to open occluded blood vessels in time without causing complications.
However, there are always three main arteries in the heart. No matter which kind of acute occlusion occurs, it is acute myocardial infarction. If you live an unhealthy life and don't take medicine on time, you should be careful whether other blood vessels will be occluded and then relapse.
Simply put, the cause is long-standing, so there is a risk of recurrence anyway.
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. And full of harmonious and prosperous critical illness insurance, there is no choice. If you have protection needs in this area, you should consider 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 critical illness insurance, full of harmony, health and happiness. If you need to know more about the advantages and disadvantages of this product, please continue reading this article: the thorny issue of harmonious and happy critical illness insurance is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
After comprehensive understanding, senior students of critical illness insurance do not recommend buying it.
In fact, the price-performance ratio of its publicity was obtained at the expense of partial protection for mild and moderate diseases. However, after the protection for mild and moderate diseases was reduced, there was still a certain gap between the price and the price of critical illness insurance in the market, which was speechless. ..
This is not a deliberate statement by senior sister. By comparing the price and guarantee of excellent critical illness insurance compiled by senior sister, we know whether senior sister has exaggerated: 10 is a good critical illness insurance that saves money!
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