If you want to know more about the critical illness insurance of Xin Kangjian Lifelong B, you may wish to read this article first: Do you understand these shortcomings of Tongfang Global "Xin Kangjian Lifelong B"?
1. Life-long B Guarantee Analysis of Tongfang Global New Jian Kang
Not much nonsense, on the essence!
Seeing the above picture, everyone should know that the new Jian Kang Life Insurance B is a critical illness insurance with a single payment. The insurance covers mild, moderate and severe diseases, and also has built-in death protection and exemption for the insured's mild and moderate diseases. Relatively speaking, the coverage age is much wider than many critical illness insurances, and the maximum coverage age is 60, which is very friendly to the elderly.
Next, let's analyze what this critical illness insurance is about with my senior!
1. Advantages Analysis of Tongfang Global Xinkangjian Yisheng B
(1) flexible payment period
As can be seen from the protection map, Tongfang Global Xinkangjian Life B has many optional payment years, which are suitable for people with different incomes. And at present, the longest payment period-30 years, we can also choose. As we all know, when we choose the payment period, we should try to choose a longer payment period, so there will be more opportunities to trigger the premium exemption function.
For example, Lao Wang's payment period is 30 years. If he is diagnosed as mild or moderate in the fifth year, he will be exempted from the premium for the next 25 years, but the protection provided by the policy will not be terminated.
What should I pay attention to when choosing the payment period? If you want to know, just look below! Don't miss the most comprehensive payment cycle selection strategy!
(2) cancer in situ is guaranteed
Cancer in situ is a disease with high incidence and mild symptoms, which corresponds to a serious malignant tumor. However, the release of the new regulations for severe diseases has removed cancer in situ from mild diseases, which has led to the removal of cancer in situ protection from some new serious diseases insurance in the market, and the value of protection for mild diseases has also declined.
However, Tongfang Global New Kangjian Life B has done a good job, and the cancer in situ has been preserved in the protection of mild illness, which is still excellent!
2. Defects in Section B of Tongfang Global Xinkangjian Life Insurance
(1) single critical illness protection
Tongfang Huanxin Kangjian Life B's critical illness protection only has a single payment, and there is no extra payment. At present, most seriously ill products on the market have extra compensation protection in this respect. Just like the Ford plus product, not only the critical illness insurance can be paid 6 times, but also the maximum additional compensation can reach 150%. The insured can get a maximum compensation of1250,000 if he chooses the insurance amount of 500,000, which can be said to be very good.
In contrast, Tongfang Global Xinkangjian Lifelong B has too little critical illness insurance protection, which is really unremarkable compared with other critical illness insurance on the market.
(2) Malignant tumor cannot be compensated.
According to the survey, cancer accounts for more than 60% of the compensation for serious illness. Even with the continuous improvement of medical level, cancer is still a terrible nightmare, not only because of its long treatment cycle, but also because of its recurrence, spread and metastasis.
In view of the above characteristics of cancer, many critical illness insurances in the market provide consumers with optional secondary compensation protection for malignant tumors, which is necessary for excellent critical illness insurance.
Tongfang Huanxin Kangjian Life's type B serious illness is not only a single payment, but also a second payment for malignant tumor. This setting is very insincere
All in all, Tongfang Global Letter Kangjian Yisheng B's critical illness insurance has no advantage. Even though its coverage covers mild, moderate and severe diseases, its coverage lacks repeated compensation for malignant tumors, cardiovascular and cerebrovascular diseases and other serious diseases, which is not prominent enough compared with similar products on the market.
Moreover, its intensive care system is relatively backward, and there are many intensive care insurances on the market. If there is no extra compensation for critical illness, there are still many compensations. Generally speaking, the Type B of Tongfang Global Xinkangjian Life Insurance, as a critical illness insurance product, is at an average level.
I summarized the list of excellent critical illness insurance. Come and find out! Compared with the newly defined critical illness insurance, I recommend these ten models!
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