Many friends think it is worthwhile after starting, but some people still hold a wait-and-see attitude and dare not start easily for the time being.
So is this product good? Next, the senior will take you to witness the evaluation results of this love health 2.0 critical illness insurance to see if it is worth starting.
1. What are the advantages of Love Health 2.0 critical illness insurance?
Cut the crap, let's take a look at the protection map first, and see what insurance responsibilities are there in the critical illness insurance of Love Health 2.0:
As can be seen from the above figure, the protection of AIH 2.0 critical illness insurance is still very complete. On the basis of providing protection for mild, moderate and severe diseases, other protection and optional protection are provided.
Let's not talk about anything else. Let's choose the key points and share with you the advantages of Love Health 2.0 critical illness insurance.
1. The insured age range is wide.
Love health 2.0 critical illness insurance supports people aged 0-65, including middle-aged and elderly people aged 55-65, with a wide age range.
Many critical illness insurance products in the insurance industry are only guaranteed to the age of 55, and middle-aged and elderly people over 55 cannot be directly insured. In contrast, love health 2.0 critical illness insurance is really good for middle-aged and elderly people.
2. Excellent protection for major diseases
Love health 2.0 critical illness insurance not only provides basic critical illness protection, but also allows you to choose to attach a second critical illness protection. If a serious illness is diagnosed again every year, you can pay 100% of the insured amount.
I believe everyone should understand that if you have a record of serious illness claims, it is not easy to insure other serious illness insurance in the later period. Therefore, the protection of secondary compensation or even multiple compensation for serious illness is still very beneficial to everyone, which means that we can get multiple guarantees.
Love health 2.0 critical illness insurance provides us with the service of secondary compensation in the aspect of critical illness protection, which reduces the economic pressure of the insured.
3. Selective secondary compensation for malignant tumor
When it comes to malignant tumor, you may not know it, but when it comes to its alias "cancer", I believe you all know it. As one of the most common serious diseases, cancer not only has a long treatment cycle and is not cheap, but also has a high recurrence probability.
It is basically impossible for patients to work within 3-5 years after cancer. If the disease breaks out again, it will certainly cause a heavy blow to the patient's family economy.
Moreover, this health-loving 2.0 critical illness insurance provides a second payment guarantee for malignant tumors, and it can also give the insured an extra layer of protection, and the setting is still very comprehensive.
If you don't understand the importance of secondary compensation for malignant tumors, let's see what experts think:
Is it necessary to attach "second compensation for cancer"? If you don't understand these points, be careful to spend money for nothing! 》
Although love health 2.0 critical illness insurance has many bright spots, let's not rush to chop our hands. There are still some places that are not well done. Get to know it first.
Second, what are the shortcomings of Love Health 2.0 critical illness insurance?
1. The additional compensation for serious illness is limited.
Even though AIH 2.0 critical illness insurance is set for people under 65 years old, when applying for insurance, it must be clear that the insured needs to increase the money, and the insured can only get the extra compensation for the serious illness of this product when he is diagnosed for the first time at the age of 60.
Although it sounds tempting to buy 500,000 insurance coverage and pay 654.38+00,000, the premium cost will increase after the increase, and everyone should consider it according to their own economic situation.
You can only choose to keep it for life.
As we all know, it is also a guarantee, but life-long critical illness insurance is still more expensive than regular critical illness insurance.
Therefore, senior students often say that if you haven't configured critical illness insurance and have friends with poor budget, I suggest you buy a regular critical illness insurance with sufficient protection first, and then buy lifelong critical illness insurance when the economy is well off. If there is not enough funds, it is likely to delay treatment, even if there is long-term protection, it may not be able to play the maximum role of the policy.
Moreover, the choice of Love Health 2.0 can only be guaranteed for life, which is unfriendly to people with insufficient budget.
There is not enough space. If you want to know more about AIH 2.0 critical illness insurance, please take a look at this specific evaluation article:
"Love health 2.0 critical illness insurance is online, but I found these two small flaws ..."
To sum up, this health 2.0 guarantee is still quite good. If you want to buy critical illness insurance, you can consider it.
In addition, friends should also observe other insurance products, shop around and buy the products with the best cost performance.
Senior also sorted out the more popular critical illness insurance on the market. Before choosing a more suitable insurance product, you may want to read this article and compare different products:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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