Allianz Zhen Ai Lifetime 3.0 Critical Illness Insurance can be said to be very hot on the Internet, and I heard that the cost is very high, and there are a lot of partners are asking, Allianz Zhen Ai Lifetime 3.0 Critical Illness Insurance cost is really so high? Is it really worth buying?
If any of you want to know what's behind it, check out the next review.
I. What are the advantages of Allianz Perfect Life 3.0 Critical Illness Insurance?
The same old story, this is the product coverage chart of Allianz Zhen Ai Lifetime 3.0 Critical Illness Insurance, which I'd like to share with you:
Without further ado, let's get straight to the point and look at some of the advantages of Allianz Zhen Ai Lifetime 3.0 Critical Illness Insurance:
1.
It also offers two different plan coverages.
From the analysis of the terms and conditions of the product, the two plans are still relatively similar in terms of coverage content, except for one point that is different, Plan I in the critical illness coverage and the second category of non-critical illness coverage, set the number of claims for three times, and specific critical illnesses can also be covered. These coverages are more than Plan II.
People can buy one of these plans according to what they want and their budget. Not only can it satisfy people with a less-than-stellar budget, but it can also bring satisfaction to people who need a full range of coverage, so it can serve two purposes!
2. Coverage is more comprehensive
The criteria for an excellent critical illness insurance on the market must include light, medium and severe disease coverage.
Take a look at the coverage chart of Allianz Prime Life 3.0 Critical Illness Insurance. As we can see, Allianz Zhenai Lifelong 3.0 Critical Illness Insurance still does a good job of covering Critical Illness, Category 1 Non-Critical Illness Benefit (equivalent to Moderate Illness), and Category 2 Non-Critical Illness (equivalent to Minor Illness).
In addition, there are some special features such as specific critical illness coverage, death benefit, premium waiver, etc., so that the insured gets a little more comprehensive coverage.
Here, we have to focus on the "premium waiver", which means that in the premium payment period agreed in the insurance contract, when the policyholder or the insured person meets the conditions agreed in the contract, so that the applicant can no longer pay the subsequent premiums, but his insurance contract is still valid. Many people are not clear about what role this protection, an article to the guys to see, after browsing you know:
"Premium waiver is good, when you buy insurance must be selected?
The disadvantages of Allianz Zhen Ai Lifetime 3.0 Critical Illness Insurance are so many...
We all know that the advantages of Allianz Zhen Ai Lifetime 3.0 Critical Illness Insurance are relatively many, I believe that many of the partners here have been tempted, but we must be calm, but also to understand the existence of Zhen Ai Lifetime 3.0 Critical Illness Insurance what are the shortcomings of the decision:
The
The Allianz Zhenai Lifelong 3.0 Critical Illness Insurance is only able to pay 100% of the basic sum insured for the coverage of critical illnesses, and it does not include additional compensation.
But there are a number of products on the market today that offer additional cover for the first time if you are diagnosed with a serious illness, within the limits set.
Like, Zhang bought an Allianz Prime Care Lifetime 3.0 Critical Illness Insurance policy with a 500,000 cover. As a result, his colleague went on to buy another critical illness insurance policy with an additional 60% benefit of 500,000 dollars. In the same year, they both unfortunately suffered from serious illness for the first time. According to this calculation, Zhang can only get 500,000 yuan of coverage, while his colleague can get 800,000 yuan of coverage.
Comparing the two, it's clear that a critical illness policy with an additional benefit is a little better.
After all, the more money a person has in the event of a physical illness, the greater the protection they can get for the treatment that follows.
2. Unreasonable grouping of critical illnesses
This Allianz Life 3.0 Critical Illness Insurance policy has 3 groups of critical illnesses in the plan.
Schoolgirl originally liked this product when she saw the grouping of critical illnesses, grouping illnesses together allows the insured to receive more benefits. Pay attention to read the terms and conditions to know that the high incidence of malignant tumors has not been separated by it from the rest of the terms and conditions.
If the insured is insured and develops a high incidence malignancy in the same group, it is not possible to get a second payout.
Just looking at the grouping of coverage in place is not very useful.
Some of my friends still don't understand the difference between grouped and ungrouped critical illness insurance, the following article will tell you:
"Critical illness insurance choose grouped or ungrouped is good? The key to look at this!
3. There is no optional coverage for secondary compensation for high incidence diseases
Even though it has a lot of coverage for Zhenai Lifelong 3.0 Critical Illness Insurance, it doesn't provide this very important part of the coverage, that is, it doesn't include optional coverage for secondary compensation for malignant tumors, cardiovascular and cerebral vascular diseases like this one. The optional coverage.
The incidence of malignant tumors and cardiovascular diseases is increasing in China, and they are the first two on the list of the most prevalent diseases in the country.
There is also a lot of clinical data to prove that malignant tumors, cardiovascular and cerebral vascular after the first treatment, the chances of recurrence within three years is very high.
So it would be complete if Allianz Life 3.0 Critical Illness Insurance added this point.
All in all, Allianz Life 3.0 Critical Illness Insurance is a poor value for money product, and although it offers a lot of cover, it is not particularly worthwhile as it is poorly grouped in terms of Critical Illness cover, and lacks a secondary payout for high incidence illnesses.
The pursuit of more comprehensive coverage, more practical insurance friends, the sister is still recommended to compare other products. The school sister organized a lot of value for money, protection thick critical illness insurance, here you can choose to buy Oh:
"Top ten worth buying the popular critical illness insurance roundup!
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number of the school bully said insurance to consult me;
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