Is it really worth buying? Today, the senior sister will come to reveal the secret to everyone.
Before we begin to evaluate the family photo critical illness insurance (Xianghui Edition), Senior Sister will introduce Qianhai Life Insurance to you:
How about Qianhai Life Insurance? What products are there and which one is good? In-depth analysis
First, how about the protection of family photo critical illness insurance (Xianghui version)
Then don't bother! First of all, present a protection map of critical illness insurance (xianghui version):
After reading the above picture, we can see that the protection map of critical illness insurance (Xianghui version), a family portrait, looks quite commendable. Therefore, the senior school sister chose the insurance conditions and security content to show everyone, and curious friends can continue to look down.
1. Analysis of insurance conditions
As far as the age range is concerned, the family photo of critical illness insurance (exclusive version) supports people born between 28 and 60 years old.
Moreover, this product not only provides death protection for the insured, but also guarantees life. After buying it, it can support our health for a long time. Assuming that the insured does not appear due to illness, it is commendable to pay an extra death insurance premium to the policy beneficiary regardless of illness or normal death.
In addition, for the highest insurance age, the family photo critical illness insurance (exclusive version) is set to 60 years old.
As we all know, the main function of critical illness insurance is to protect the health of the insured and help the insured to transfer the economic losses caused by the disease risk; In addition, people's health will gradually decline with the increase of age, so the older they are, the less likely they are to succeed in insurance.
Most of the critical illness insurance in the market is set at the upper age limit of 55, and the family photo critical illness insurance (exclusive version) can start for people aged 60, which is more promising for people aged 56-60.
2. Security content analysis
Generally speaking, the comprehensive protection of mild, moderate and severe diseases is one of the criteria to judge whether the basic protection of critical illness insurance is sufficient.
As it happens, the protection content of this product is not only relatively complete, but also provides death/total disability protection, minor illness exemption protection for the insured and other protection.
The only drawback is that the critical illness insurance (Xianghui Edition), a family photo, does not set corresponding protection contents for major diseases with high incidence and susceptibility, such as malignant tumor-critical illness protection, cardiovascular and cerebrovascular diseases protection and so on.
The general situation of family photo critical illness insurance (xianghui version) is here. If you want to know more details about this product, please read this:
Can qianhai family critical illness insurance (exclusive edition) really make the whole family happy? Not really! 》
Second, is the family photo critical illness insurance (Xianghui Edition) worth insuring?
1. The longest payment support is 30 years.
In addition to the above contents, the family portrait of critical illness insurance (exclusive version) also has an attractive content, that is, the payment period of this product only supports installment payment, and the key point is to support the longest payment of 30 years!
This can be said to be very intimate for the insured people who don't have much insurance budget and don't want to bear too much premium pressure.
2. The waiting period is 90 days
The last point worthy of praise is the waiting period. Family photo critical illness insurance (xianghui version) only has a waiting period of 90 days.
As you know, from the perspective of the insured, the length of the waiting period still has a great influence. Because if the insured is diagnosed with a major illness for the first time during the waiting period, even if it meets the claim requirements, the insurance company will not make claims according to the contract.
In most cases, the waiting period of critical illness insurance in the market is 180 days. In contrast, the 90-day waiting period provided by this product is still excellent.
Generally speaking, the performance of critical illness insurance (Xianghui version) is not outstanding, the insurance conditions are not very strict, it includes three basic guarantees, and the waiting period reaches 90 days.
However, if you are interested in insuring critical illness insurance, you may wish to compare other excellent critical illness insurance products. It is too late to consider insuring again!
At the end of the article, for the small partners who want to insure the critical illness insurance, the following list of critical illness insurance is worth referring to:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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