Fosun United Kang Le Lifetime 2021 can be said to be very hot on the Internet, and I heard that the cost performance is very high.
There are also a lot of people who are asking, is the cost-effectiveness of Fosun United Healthcare Life 2021 really that high? Is it really worth buying for us? The following school sister will take you to analyze!
If there are still friends who don't know how to configure insurance, you may want to take a look at this configuration program:
"How to buy insurance at different ages? Everyone should have an exclusive program"
Below, my schoolmates will discuss with you a critical illness insurance called Kang Le Lifetime 2021, which is guaranteed by Fosun United Health Promise.
What about the coverage of this product? The answer is announced below!
An analysis of the coverage of Fosun United Healthcare Lifetime 2021!
The old rules, I first present you with the Fosun United Kang Le Lifelong 2021's coverage of the detailed chart:
Sisters directly for you to present the test conclusions:
1, the protection of the responsibility of the full range of flexible
1, the protection of the responsibility of the full range of flexible
Fosun United Kang Le Lifetime 2021 not only has the basic protection responsibility, but also includes severe cancer additional benefits insurance benefits, three cardiovascular and cerebrovascular specific diseases additional compensation, death / total disability and other protection responsibilities, the protection coverage is exceptionally broad.
From the data of the National Cancer Center, we can know that the number of deaths due to malignant tumors in our country accounted for 23.91% of the total number of deaths, and in 2020, there were 4.57 million new cancer cases, which accounted for 23.7% of the new cancers in the world.
To put that in perspective, that's eight cancer patients per minute!
In addition, China's latest report on cardiovascular disease, in which it is mentioned that there are now up to 300 million people with cardiovascular disease in China, not only hypertension, diabetes and cardio-cerebral vascular disease have been more than 100 million.
If you have taken out a Fosun United Healthcare 2021 policy, even if you are unfortunate enough to suffer from cancer or cardiovascular disease, this critical illness insurance policy will provide the insured with an additional benefit for severe cancer and an additional benefit for specific cardiovascular diseases.
And both of these benefits are paid at a 120% payout ratio, and it doesn't matter if it's the first time you've been diagnosed or not, the payout ratio is exactly the same.
If you are interested in Fosun United Kang Le Lifetime 2021, my sister suggests that you can click here to recognize more evaluation content:
"Kang Le Lifetime 2021 Critical Illness Insurance Comprehensive Evaluation, These Defects Have to be Prevented ......
2, Critical Illness Coverage Analysis
Fosun United Kang Le Lifetime 2021's Critical Illnesses can protect against 110 types of major illnesses, and the basic sum assured is fully covered.
Assuming that a critical illness is diagnosed before the age of 60, half of the sum assured will be additionally compensated.
All in all, if you take out a Fosun United Kang Le Lifetime 2021 with a sum assured of 500,000 yuan, you will be able to get up to 750,000 yuan of compensation in case of a diagnosis of a serious illness.
But don't be so happy so early, the critical illness coverage of Versailles 1, which I reviewed a few days ago, is able to pay out 80% of the basic sum insured.
3, the first critical illness medical allowance set thoughtful
Fosun United Healthcare 2021 provides a more powerful protection responsibility, that is, specially configured for the first critical illness medical allowance.
According to the insurance contract, if the first diagnosis of critical illness is made in the first 15 years of the policy, and the individual's out-of-pocket medical expenses total 50,000 dollars, 50% of the insured amount of the first time critical illness medical allowance can be obtained.
For example, if a 30-year-old Li buys a 400,000-premium Fosun United Healthcare Lifetime 2021, and is diagnosed with a serious illness in the contract for the first time in the first 15 years of the policy, he will be able to get a 200,000-premium first-time critical illness medical allowance after his cumulative out-of-pocket spending has already exceeded 50,000 yuan.
After all, many critical illness insurance policies nowadays don't have a first-time critical illness medical allowance, and Fosun United Leisure Life 2021 provides this benefit to the insured, which is still quite good.
Schoolmates have talked a lot about Fosun United Healthcare Life 2021, a product that we all know more or less, right? So is the Fosun United Leisure Life 2021, which is so good, very strict in terms of the rules of enrollment? I'm not sure if it's a good idea to buy it, but it's a good idea to buy it.
Below we will familiarize ourselves with the rules of Fosun United Healthcare 2021
Two, Fosun United Healthcare 2021 is worth recommending?
The age of Fosun United Kang Le Lifetime 2021 is from 28 days to 60 years old, and in terms of the coverage period, you can choose to be insured up to the age of 70 years old or up to the whole life, which is quite a good flexibility.
It is worth mentioning that Fosun United Leisure Life 2021 has five ways to pay for 5 years / 10 years / 15 years / 20 years / 30 years, if the conditions allow, you can also make a one-time payment, choose to pay wholesale!
So, Fosun United Kang Le Lifetime 2021 gives so many choices, especially the coverage period has how to choose:
"How to choose the payment period will not lose?
Then we need to pay attention to is that the Fosun United Kang Le Lifetime 2021 of the contribution period is long, up to 30 years, and the longer the period of critical illness insurance contributions, then for the insured, will also get more benefits, then it is more likely to trigger the exemption clause!
Lastly, the waiting period of Fosun United Wellness Life 2021 is also worth paying attention to, the waiting period set is 90 days. This can be said to be the optimal level in today's market, which is really very commendable.
So, the threshold for enrollment in Fosun United Healthcare Lifetime 2021 is still quite lenient!
Summary of the above, Fosun United Healthcare Life 2021 is a comprehensive and very comprehensive critical illness insurance, and those who need it can consider getting it.
But before you get started, I suggest you compare it with other high-quality critical illness insurance policies on the market to avoid stepping on mines.
Writing in the end
I'm a scholar of insurance and I'm focusing on objective, professional, and neutral insurance reviews.
If the above hasn't solved your problem, you'll need to consider a new policy. content has not solved your problem, you can also come to the public number of the school bully said insurance consult me;
I will give you the most professional advice with many years of experience in the configuration of insurance for 10W + family.
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