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What's the surprise of PICC life-long critical illness insurance (upgraded version)! Look before you buy it! 》
1. How about lifelong critical illness insurance (upgraded version)?
Not much to say, let's take a look at the protection map of health and welfare lifelong critical illness insurance (upgraded version):
Lifelong critical illness insurance (upgraded version) is a critical illness insurance product designed by PICC.
The guarantee period includes 70 years old and life, and the opportunity to insure people aged 28 days (excluding) -55 years old (including).
At the same time, its payment is quite flexible.
Life-long critical illness insurance for health benefits (upgraded version) has three optional payment years: 10/20/30 years. Monthly payment and annual payment are supported, and the insured can choose flexibly according to their actual situation.
Next, the seniors will take you to learn more about this critical illness insurance!
1, short waiting time.
Health and Welfare Lifelong Critical Illness Insurance (upgraded version) is a critical illness insurance product that can guarantee the insured to be 70 years old or lifelong.
Therefore, the guarantee period is really poor.
However, its waiting period is only 90 days, which is quite good.
The waiting period of some similar products on the market is generally 90 days or 180 days.
However, during the waiting period, the insurance company may not be liable for claims for accidents caused by non-accidental injuries.
Then, it is commendable that the critical illness insurance provides a waiting period of 90 days.
2. Comprehensive guarantee
The protection responsibility of life-long critical illness insurance for health benefits (upgraded version) is divided into two parts: basic protection and optional protection.
Equipped with basic protection for mild, moderate and severe diseases, insurance benefits for specific diseases of the elderly and exemption protection for the insured, among which:
The critical illness insurance covers 125 diseases, and pays 1 time, and pays 100% of the basic insurance amount each time.
Chinese medicine covers 25 kinds of diseases and pays for them in three times, each time paying 60% of the basic insurance amount.
Mild illness covers 50 diseases and pays 5 times, each time paying 30% of the basic insurance amount.
In addition, there are six diseases peculiar to the elderly. If you are diagnosed after 60 years of age (inclusive) and meet the conditions for claim settlement, you can get an additional 20% of the basic insurance coverage.
Life-long critical illness insurance (upgraded version) is quite powerful, regardless of the proportion of compensation or the scope of disease protection.
In addition, the life-long critical illness insurance of health welfare (upgraded version) also has five optional guarantees: multiple compensation for malignant tumor-severe/carcinoma in situ, insurance premium for disease care, unlimited compensation for cardiovascular and cerebrovascular diseases, continuous compensation for moderate and mild diseases after serious illness compensation, and death/total disability.
The insured can decide whether to attach optional protection according to their own protection needs, and the insurance flexibility is quite high.
3. Rich value-added services
Life-long critical illness insurance (upgraded version) has value-added services such as CAR-T service, specialist outpatient service for critical illness, and accelerated hospitalization for critical illness.
Considering not only the problem of "expensive medical treatment" for patients, but also the problem of "difficult medical treatment" for patients, it is still relatively excellent.
CAR-T service is quite surprising.
You should know that CAR-T therapy is a new tumor immunotherapy method which is very likely to cure cancer at present, and it is still very useful for cancer treatment.
However, the treatment cost of this kind of therapy costs a lot of money, which is unacceptable to ordinary families.
Therefore, some critical illness insurance in the market will cover CAR-T services, which will help reduce the cost of patients treated with this therapy.
Like Versailles aggravated illness insurance, CAR-T service is also included. You have the opportunity to use 1.2 million needles of cancer-clearing drugs for free, and its protection is also very comprehensive. You can see if you are interested:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, is health and welfare lifelong critical illness insurance (upgraded version) worth buying?
Generally speaking, the life-long critical illness insurance of health and welfare (upgraded version) has short waiting period, rich guarantee responsibility and value-added services, and is very humanized.
However, there are still many great critical illness insurance products on the market. You can also go and see, compare similar products, and then make a choice according to your own needs.
Finally, the senior students sorted out the more popular critical illness insurance products on the market. If you are interested, you can have a look:
"Top Ten Hot Inventory of Critical Illness Insurance Worth Buying"
Write it at the end
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