Before raising more fish, I always thought that the critical illness insurance paid many times was not good, the price was high and the leverage ratio was very low, so it was not recommended to raise more fish. But today Duobao Fish is going to introduce Jian Kang from Tongfang Global. Let's take a look at this product, which is called "multiple payment guarantee at the price of single payment".
I. Product Form
From the above table, we can draw several conclusions about this product of Tongfang Global:
1. Guarantee responsibility 360 comprehensive care, comprehensive guarantee: including 80 serious diseases and 28 minor diseases, basically covering most major disease risks;
2. Multiple payments: serious illness and mild illness can be paid up to 3 times, and the grouping is very reasonable. Another highlight is that the time interval between different groups of serious illness/mild illness only needs 180 days, while most companies in the market pay multiple payments every year.
3. Cheap price: For products that pay more, the single payment price and premium are much cheaper than ordinary products that pay more in the market.
After reading the above introduction, we can know that this Jian Kang Lifetime Multi-insurance product from Tongfang Global is indeed a very competitive product in the market, which can be said to be a precedent for multi-compensation and low rates.
Second, the benefits of a healthy life.
Advantages: 1: multiple payments, sincere grouping.
At present, a number of compensation products on the market have also been grouped accordingly. After the same group paid for the serious illness, the group was terminated. Even if you have other diseases in the same group, you can't get claims. A healthy life is guaranteed many times, and this situation is even better: **4 groups, each group pays 1 time, and all of them pay at most 3 times.
As can be seen from the above figure, for six kinds of high-risk diseases such as cancer, it is divided into three different groups, and it is not easy to crash when making claims. This is full of sincerity. Let insurance companies enjoy the protection to the maximum extent.
In addition, its multiple payment interval is nearly half less than that of other similar products in the industry, only 180 days, which can be regarded as the shortest product in China and has received rave reviews!
Advantage 2: Enjoy a 90-day retrospective on your birthday.
What is birthday review? ? For a simple example, for example, your birthday is 18 in August, and you just had a birthday on 3 1 last week. General insurance products, after this insurance, must be based on the premium corresponding to the age of 365,438+0, but the life insurance policy in Jian Kang stipulates that as long as your birthday is less than 90 days, the rate can still be calculated according to the birthday of the insured. Have you considered customers? Where did the firecrackers and applause come from!
Advantage 3: Intimate health care service
Right above the picture:
The principle advocated by PayPal may be to give you 360-degree care and protection, so thoughtful service just wants to ask what you need your boyfriend to do. The problems of multiple insurances, easy medical treatment and registered medical treatment have all been solved!
Advantage 4: The waiting day is counted from the delivery date.
As we all know, the waiting period in critical illness insurance is usually 90 days to 180 days. As long as the insurance liability occurs during the waiting period, it is impossible to obtain the corresponding claims. At present, many insurance companies set the waiting period as "from the effective date of the contract (or the date when the effectiveness of the contract is restored)", which sets a precedent of "the waiting period starts from the delivery date" and is more humanized.
Third, a healthy life will guarantee many shortcomings.
It also has a small disadvantage, that is, although minor illnesses can be paid up to three times, the three payments are grouped, that is, each group can pay at most once. In fact, for most people, the impact is not great. However, compared with those products that are not grouped in the market, it is slightly inferior, but it will not affect the overall effect.
From the above, we can know that the benefits of multiple insurances far outweigh the disadvantages, and the benefits mentioned above are not limited to these. More competitive premiums and diversified payment methods can better meet the needs of the public. This product with overpaid critical illness insurance is still highly recommended, and consumers who want to pay more attention.
Please refer to this link for more information about healthy living.