Before giving a detailed and clear explanation to our friends, let's take a look at the difference between it and the most concerned critical illness insurance: the comparison chart of harmonious happiness and 136 hot-selling critical illness insurance.
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
Critical illness insurance is too cost-effective. Senior sister thinks this is definitely not simple. If you look closely at the comparison between it and Fosun Darwin 5 Glory Edition, you will find the following problems:
In fact, from the above picture, at first glance, the protection content of critical illness insurance is full of harmony and happiness, including basic protection for minor illness, protection for serious illness, exemption of the insured and responsibility for death, which feels more comprehensive.
Judging from the price, at present, in the same industry, 30-year-old people buy 500,000 consumer critical illness insurance, life insurance, mild and moderate illness insurance and critical illness insurance, and they don't need 6,000 yuan a year, which is not a small price.
However, being cheap does not necessarily mean being good. 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.
In the critical illness insurance, the number of payments for mild and moderate diseases is stipulated as one time, with 30% of the insured amount for mild diseases and 50% of the insured amount for moderate diseases; In the glory version of Fosun Darwin 5, there are three chances to pay for mild illness and two chances to pay for moderate illness, and the proportion of compensation is 30% of the amount insured for mild illness and 60% of the amount insured for moderate illness.
Harmony, happiness and critical illness insurance, this insurance will be inferior to Fosun Darwin No.5 Glory Edition in both the number of claims and the proportion of claims.
Some friends may feel that they are not so miserable, just suffering from these two different mild or moderate diseases, so we don't have to care too much about the number of times. However, there are too many uncertainties about the disease. If this happens, we will face the difference between compensation and non-compensation for the second disease.
Moreover, the price of Fosun Darwin 5 Glory Edition will be cheaper than critical illness insurance, and the guarantee is far from others. I'm speechless.
2. Is there any optional responsibility?
There are too few optional liabilities for this harmonious and prosperous critical illness insurance, which does not include the secondary compensation guarantee for high-risk and serious diseases such as cardiovascular and cerebrovascular diseases.
Don't underestimate the second compensation guarantee for cardiovascular and cerebrovascular diseases. Take acute myocardial infarction as an example. To say that it is cured is actually to open occluded blood vessels in time without causing complications.
It's just that the number of aorta in the heart is three. If one of the three arteries has acute occlusion, it is all acute myocardial infarction, such as unhealthy lifestyle and not taking medicine on time. It is still possible that occlusion occurs in other blood vessels and then recurs.
Talking about people means that the cause exists for a long time, 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. However, critical illness insurance did not even give consumers a choice. If you expect this protection, you should consider other products.
Fosun Darwin 5 Glory Edition has much more optional responsibilities than Fosun Darwin 5 Glory Edition, and it is more flexible to add whatever protection you like.
The above content is a simple evaluation of senior students on the harmony, health and good fortune of critical illness insurance. What else can you effectively analyze by reading the following article: the thorny problem of harmony, health and critical illness insurance is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
To sum up the above points, the critical illness insurance in harmonious and prosperous times is not suitable to be selected.
The price/performance ratio advertised by it is obtained at the expense of the protection of some mild and moderate diseases. After the protection of mild and moderate diseases is reduced, the price is still not as good as that of other serious illness insurance in the market, which is very embarrassing. ..
This is not a sabotage by senior sister. Compare the price and guarantee of excellent critical illness insurance compiled by senior sister before, and you will know that senior sister is not exaggerating: ten excellent critical illness insurances are all here!
Write it at the end
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