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First, China Life Pension Insurance for Specific Diseases (A) revealed the contents!
Following the previous rules, Senior Sister will first bring you the essence map of life and old-age security in China (1):
China Life Insurance (A) is a specific disease insurance with targeted protection. What is its responsibility? Senior sister will announce it to you soon.
1, insurance rules
The age range stipulated in China Life Pension Insurance (A) is 565,438+0 to 70 years old, which is acceptable and suitable for most elderly people.
If the elderly aged 7 1 to 75 meet the two conditions of not being insured for the first time and the insured needs to apply for renewal before the expiration of the previous insurance period, they also have the opportunity to buy.
In addition, China Life Pension Insurance (A) only allows wholesale payment.
2. Specific disease protection
According to China Life Pension Insurance Contract (A), this product provides consumers with two kinds of specific disease protection.
Specific disease type A: refers to the "malignant tumor-severe" that originated in a specific part of the insured, including esophagus, stomach, colon, rectum, bronchus, throat, breast and prostate.
Specific disease category B: covers specific disease category A, as well as severe chronic renal failure and severe primary Parkinson's disease.
The insured can only buy according to the actual needs of the insured, and consider adding one specific disease. After the insurance is configured, if the special diseases agreed in the insurance contract are diagnosed and meet the claim conditions, then the insurance company will pay a sum according to the contract.
If there is still something unclear about China Life's specific disease protection for the elderly (A), you can look at the following more detailed evaluation articles:
How about buying old-age insurance? (1) What are the specific diseases of China life insurance for the aged? It's finished! 》
Second, China life pension insurance for specific diseases (a) can I buy it?
1, the guarantee period is too short.
The coverage period of China Life Pension Insurance (A) is only 1 year. Once the warranty expires, if the consumer does not renew the warranty, there is no way to continue to enjoy the product warranty. It can be seen that the guarantee provided by this product is not stable enough, so everyone should pay attention when configuring it.
2. No guarantee of renewal.
China Life Care for the Elderly Specific Disease Insurance (a) This insurance is only for the insured for one year, and there is no guarantee for renewal. In other words, if you are out of danger this year, or your health is slowly deteriorating, then you may not be able to buy this product in the next year.
And if you are unfortunately ill, there may be many conditions to meet if you want to buy other products, so you can't buy other excellent products. Therefore, it is more cost-effective to choose insurance that includes guarantee renewal.
On the whole, Senior Sister feels that it is a better choice to consider China Life Insurance (A) as a specific disease protection for the elderly if they can't buy critical illness insurance and other products. Assuming that you are qualified for long-term health insurance, you should configure this kind of insurance first, and then use this product as a supplement.
At the end of the article, the senior also arranged a big gift package for everyone, and quickly collected it:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Write it at the end
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