In a hurry, you can poke open this newly published article and learn about this A version of China Life's critical illness insurance and political insurance in advance:
Is the cooperative fund A of China life critical illness insurance worth buying?
1. What is the A-type guarantee of China Life Critical Illness Insurance Cooperative Edition?
As usual, let's take a look at the product protection diagram of China Life Critical Illness Insurance Cooperation Edition A:
It can be seen that this critical illness insurance is a particularly simple one-year critical illness insurance product, and it only includes critical illness insurance! Is this cooperative version of China Life's critical illness insurance good or not? Next, the senior sister will take a closer look.
In a word, the biggest highlight of the cooperative version of China Life Insurance for Critical Illness is that the insured is of a wide age, and the underwriting feature is that the age must be between 28 days and 75 years old, that is to say, children, adults and the elderly have the opportunity to be insured by this critical illness insurance.
Because the upper age limit of general critical illness insurance is mostly set below 55 years old, the insurance threshold set in Section A of China Life Insurance for Critical Illness is not too high.
In addition, in this insurance, seniors did not find anything that made people shine at the moment, but found many shortcomings:
① The guarantee is seriously lacking.
China Life Insurance Cooperative Edition A only provides critical illness insurance on the basis of basic insurance, covering only 30 major diseases, and the compensation ratio only reaches 100% of the basic insurance amount!
We only pay attention to the basic guarantee, and there is no basic guarantee for moderate and mild diseases! We should be clear that the necessary configuration of an excellent basic protection for critical illness insurance in the market now is mostly critical illness insurance+moderate illness insurance+light illness insurance, and some critical illness insurance will also prepare pre-illness protection for consumers, so that the insured can get better protection!
Just like the Versailles 1 critical illness insurance products of Tongfang Global, the basic protection includes three aspects: severe, moderate and mild, and the most severe and mild diseases of many high-risk diseases are guaranteed. It can be said that the disease protection is quite high quality and very considerate to consumers! As shown in the figure below:
Friends who want to know about this product can take a look at this evaluation:
You must know these truths before buying Versailles 1!
② Short-term critical illness insurance.
China Life's critical illness insurance is a short-term critical illness insurance product with a guarantee period of only one year.
Under normal circumstances, one-year short-term critical illness insurance products are relatively unstable, and the insured may face the problem of renewal and the risk of product suspension.
Moreover, as far as this product is concerned, if the insured wants to continue to buy in the next year, he not only needs to reapply, but also needs to be re-examined by the company. After passing, the insured can renew his insurance.
The product withdrawn from the trading market will not be sold again. In this case, it is necessary for consumers to explore new critical illness insurance products. Then, at this stage from switching to searching, consumers are not guaranteed. The sense of security is indeed insufficient.
In other words, you'd better configure long-term critical illness insurance products, and don't worry too much about the sudden stop of protection or the suspension of product sales.
Second, is the value of item A of the cooperative version of China life critical illness insurance not worth starting with?
Having said that, what is the product A of China Life Insurance Cooperative Edition? Look down and you will know:
Let's just say that you can buy this one-year critical illness insurance as a way to supplement the amount of critical illness insurance. As the backbone of the family, it is the most suitable. I have one or more long-term critical illness insurance to protect myself, but I feel that the amount of protection is insufficient, the protection is deeper, and more people are needed.
Of course, if you just graduated and are short of money, you can learn about it as a transitional insurance. After all, if you don't have much money, it's better to have a guarantee in your hand than nothing.
Then we can still consider this A version of China Life's cooperative version of critical illness insurance.
Of course, if there is no critical illness insurance for protection at present, friends who want to pursue more thoughtful protection can turn their attention to long-term critical illness insurance in the market.
I summed it up for my friends. These long-term critical illness insurance guarantees are excellent and cost-effective! Friends who want to start can look at:
The top ten reliable and popular critical illness insurance are gathered!
Write it at the end
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