Friends who don't know much about Minsheng Insurance Company can read this article first:
What is the strength of Minsheng Insurance Company? Hot products are skinned in detail! 》
First, product evaluation: people's livelihood is satisfied, enjoy the protection of critical illness insurance!
People's livelihood and enjoyment of critical illness insurance have the following protection contents. Let's see:
People's livelihood can enjoy the protection of critical illness insurance, which not only provides the protection of minor illness, moderate illness, serious illness and death, but also covers the optional protection of the insured's second or third payment for serious illness and minor illness exemption.
Below, seniors analyze the content of this product from the following aspects.
1, flexible insurance conditions
Regarding critical illness insurance, this kind of health insurance will have three restrictions, besides physical health and age, there are also occupational restrictions.
Compared with the critical illness insurance, which only provides 1-4 occupational insurance, the people's livelihood critical illness insurance is relaxed, allowing 1-6 occupational insurance, which is quite suitable for high-risk occupational groups to buy.
In addition, there are a variety of payment years to choose from, the longest payment period is 30 years, which can meet the different payment needs of policyholders.
Many people don't know how to choose the payment period of critical illness insurance. Here is how to choose, click to view:
"How to choose the payment period so as not to lose money? 》
2, optional additional multiple compensation for serious illness
People's livelihood can enjoy two or three times of critical illness insurance, and there are four groups of three payment methods, with an interval of 12 months and a coverage of 100%.
After the insured increases this optional liability, even if the claim for serious illness occurs, the policy will still take effect and the insured can continue to enjoy the protection of serious illness.
For small partners with a lot of budgets, the two-compensation and three-guarantee for serious illness is very practical.
3. In terms of critical illness protection.
In terms of the strength of people's livelihood critical illness insurance, it is paid according to the maximum value of basic insurance coverage and cash value 100%. As far as my senior sister knows, some products of the same type on the market are stipulated in this way, such as Versailles plus critical illness insurance. The insured is first diagnosed with a serious illness as agreed in the contract before the age of 60 (excluding), and if it meets the requirements, it will pay 180% of the basic guarantee amount. However, if the insured is diagnosed with the serious illness agreed in the contract for the first time at the age of 60 (inclusive) -64 (inclusive) and meets the conditions, he will pay 130% of the basic insurance amount.
Senior sister has completed the product evaluation of Versailles plus critical illness insurance. You can compare and feel:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
4. Proportion of compensation for chronic diseases.
People's livelihood is satisfied and they enjoy critical illness insurance. The proportion of compensation for diseases in China is 50% of the basic insurance amount. Everyone should know that under the same conditions, the higher the compensation ratio, the greater the compensation. However, for some similar products on the market, the basic coverage can reach 60%.
Second, is it worth buying people's livelihood critical illness insurance?
Generally speaking, people's livelihood enjoys critical illness insurance, and the insurance conditions of this product are more flexible, and it can also pay multiple times for serious illness. However, in terms of critical illness protection, it is paid according to the maximum value of 100% basic insurance amount and cash value. Moreover, the proportion of compensation for China's diseases is 50% of the basic insured amount. Therefore, before you insure this product, you should consider whether it is acceptable.
Write it at the end
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