The exclusive edition of China Life Insurance is a young edition of China Life Insurance. If you still want to know the detailed evaluation content of this product, you can take a look at this article I wrote:
The following is a detailed comparison between the old and new versions of China Renshou:
China Life Fuzhen Exclusive Edition vs China Life Fu Extreme Edition vs China Life Fu Exclusive Edition Comparison
As we can see from the picture, compared with the first two editions, the exclusive edition of China Life Fuzhen has the following differences.
1. Seriously ill
The number of critical illness protection diseases in the exclusive edition of China Life Fuzhen has increased from 80 to 100, which is not eye-catching, and the exclusive edition is also 100. Moreover, the high incidence rate is not among the 20 serious diseases that have increased. Therefore, the upgrade in this area is relatively general.
2. Mild symptoms
(1) Small claims have increased. Compared with the old version, the number of minor illness claims of China Life Insurance Fuzhen Exclusive Edition has increased to 3 times, and there is no payment interval.
(2) The protection of mild illness is perfect. The exclusive edition of China Life Insurance Fuzhen covers minor stroke, coronary intervention and other high-risk mild diseases, but renal failure is one of the high-risk mild diseases, which is beyond the scope of this edition.
As mentioned above, it is the difference between the exclusive edition of China Shoufuzhen and its brother edition. Although upgraded, there are still some regrets in some places.
For example, the proportion of minor illness compensation is low.
The proportion of minor illness compensation in the exclusive edition of China Life Insurance Fuzhen is the same as that in the previous two editions, but it is still not good enough compared with the proportion of minor illness compensation in the market, which is mostly 25%-30%.
If you pay more attention to this aspect and want to find critical illness insurance with a high proportion of minor illnesses, this article will certainly meet your needs: take stock of the critical illness insurance that the top ten insurance companies are "worth buying"!