However, what senior sister wants you to know today is not that plants are full of stars, but that Fude Life Life has just released a critical illness insurance called "Full of Stars 202 1". It is said that the guarantee of this product is amazing!
Mantianxing 202 1 not only includes rare compulsory insurance benefits such as specific benign tumor surgery insurance premium and critical illness and light illness insurance premium, but also can freely choose two optional insurance benefits, namely, three types of high-risk specific diseases secondary compensation and elderly specific serious illness and disability insurance premium.
After reading it, Senior Sister thought it was really worth starting with. However, some insurance experts broke the news that Mantianxing 202 1 has these unknown defects, so everyone should pay more attention!
If there are any shortcomings, anxious friends can open this evaluation first to find out: "Mantianxing 202 1" these three shortcomings have to be seen!
First, I didn't feel much after reading the guarantee content of Mantianxing 202 1. ...
In short, let's analyze the product diagram of Mantianxing 202 1:
The guarantee content of Mantianxing 202 1 is very rich, which is briefly described below:
The main advantage of this Mantianxing 202 1 is the high proportion of serious illness and mild illness, in which the proportion of extra compensation for serious illness can reach 100% before100, in other words, all three serious diseases can pay 200% of the insured amount.
For example, at the age of 30, Xiao Liu bought a 500,000-insured Mantianxing 202 1, and was unfortunately diagnosed with a serious illness in the following year.
In this case, Xiao not only enjoyed 500,000 yuan of basic compensation for serious illness, but also received 500,000 yuan of special care for serious illness. Xiao Liu's economic loss of 6,543,800 yuan due to his serious illness is completely compensation for him. Don't you see it's perfect ~
Whether it smells good or not can only be answered by comparison, so let's get to know it through this critical illness insurance comparison table: 136 national popular critical illness insurance comparison table.
Unfortunately, regarding the defects of Mantianxing 202 1 critical illness insurance, Senior Sister dug up the following points. Please be careful when reading!
Regarding the defects of Mantianxing 202 1, there are these:
1, with a narrow age range
The insurance age range of Mantianxing 202 1 is only from 25 days of birth to 55 years old. Some friends who don't know the real situation of the market may think that senior hates others, so I can tell you that your statement is wrong!
At present, the highest age of some critical illness insurance products is 65 years old. In contrast, Mantianxing 202 1 is obviously not very friendly to people at this stage (55-65 years old).
You know, it is very difficult for these people aged 55-65 to buy a critical illness insurance. This may be because the elderly are not healthy enough and have some minor problems at will, so the company does not insure them.
Think about it, if you just turned 56 this year and your health is fine, and you plan to buy a baby star 202 1, the senior can only say that you have no chance. I will not be admitted at the age of 56!
As for the critical illness insurance with a wide age range, this product is worth considering. Want to know more, just click on the link and have a look: How about Fosun and Ford with critical illness insurance? I won't buy it with that!
2. The interval between serious illness compensation is long.
Mantianxing 202 1 is not divided into groups in providing critical illness protection, and * * * has three compensation opportunities. Originally, this was a good thing. We are no longer worried about "losing a serious illness and not getting compensation for another serious illness" ~
However, according to the product terms, the second payment for serious illness will take three years, which is a long time!
We are still not satisfied with the same type of critical illness insurance that does not pay multiple times in groups, with the shortest interval 1 year. Compared with 1 year, Mantianxing 202 1 is too thoughtless in setting the interval of critical illness. Senior really doesn't want to say anything. ......
Mantianxing 202 1 The interpretation of the guarantee content ends here. The following are insurance suggestions ~
Second, is the +0 value of Mantianxing 20265438 worth buying? You can refer to this insurance standard ~
Compared with Mantianxing 202 1, we want to buy a high-quality critical illness insurance, and we need to pay special attention to the following matters:
1. Are the insurance rules loose?
Insurance rules generally include the following aspects: insurance age, guarantee period, payment period and waiting period.
The wider the age coverage of the insured population, the better. More people need to be insured and can be satisfied. Similarly, if there are more types of guarantee periods, there will be more benefits, instead of just providing a lifelong choice like Mantianxing 202 1.
2. Whether the safety content is fully in place.
In terms of coverage, critical illness insurance is divided into compulsory coverage and optional coverage. As for the necessary scope of protection, you may be familiar with it. Usually, serious illness, mild illness and death are all within its scope of protection.
Mainly depends on the optional guarantee, whether the product can provide multiple payments for specific high-risk and serious diseases. .
Generally speaking, Fude Life Life Mantianxing 202 1 Critical illness insurance is not cost-effective. Senior sister suggests that you compare other products before buying critical illness insurance, and then make a decision. This is the insurance strategy we want to implement!
Write it at the end
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