● What harm does nuclear waste water have to human health?
● Is the rising incidence of cancer in China's coastal areas related to the discharge of wastewater into the sea? ......
Many friends know that cancer is likely to lead to family economic collapse, which is unbearable for ordinary families. In order to transfer risks to a certain extent, it is necessary to buy a critical illness insurance.
Let's take a look at centennial life. Is it cost-effective? Let's take a look at the evaluation of this young lady below!
The key point is coming. Anxious friends suggest collecting it directly: "What are the unknown things that you have enjoyed for a hundred years?" Analysis of the article "
The point of this article is
The protection content of Lexiangbao has been greatly improved!
These are the disadvantages of enjoying insurance!
First, the guarantee of enjoying insurance is actually this!
The Kanghuibao series launched before Centennial Life can be said to be very popular. Can this new Lexianbao critical illness insurance be as powerful as ever? Announce it now!
Go straight to the point, protect the map first:
As can be seen from the figure, the protection of enjoying insurance is far less complicated, including minor illness, serious illness and death responsibility, among which minor illness protection is optional.
Simple is simple, but the benefits of enjoying insurance can also be said:
1, the guarantee during the waiting period is better.
Setting a waiting period is a measure taken by insurance companies to avoid taking out sickness insurance. If the disease is diagnosed or some accidents happen during the waiting period, most insurance companies will choose to return the premium and terminate the contract!
However, Lexiangbao is different from them. Diagnose minor ailments while waiting. Although it cannot be compensated, the contract will not be void. The serious illness and death protection of the insured is still there. It's really human.
2. The payment period is set reasonably.
Everyone should know that the shorter the payment period of the two products, the more premiums will be paid each year, so that the payment pressure of the insured is not so great.
There are many payment methods for Lexiangbao, and there are also 30-year payment periods. Compared with those products with a single payment period and the longest payment period of more than ten or twenty years, the setting of this product is very flexible.
Second, the three major defects of Lexiangbao must be clearly seen before buying.
However, after some research by seniors, it is found that Lexiangbao still has these pits. Senior don't say it's too uncomfortable:
1, the insurance age is too narrow.
Lexiangbao's maximum insurance age is only 60 years old, and the elderly over 60 years old are locked out by age. You know, the maximum insurance age is 65, and you have taken out a lot of critical illness insurance.
In addition, the elderly themselves are not easy to buy heavy goods. If there is such a strict limit on the age of insurance, the elderly can't be insured.
2. The compensation conditions for serious illness are general.
You only pay 1 time for taking care of your illness, and you can only pay 100% of the basic insurance coverage, which is difficult to meet.
At present, many serious illness products will provide additional compensation for serious illness, and excellent products can be compensated to 200% of the insured amount, which means that compensation is two basic insured amounts! In contrast, it is really unsafe to enjoy medical care and disease protection. ..
3, the disease is not guaranteed.
Generally speaking, a critical illness insurance should have at least three kinds of protection: mild illness, moderate illness and severe illness, and many excellent critical illness insurance even have pre-illness protection. How important is pre-illness protection? Unfamiliar friends can come here to find the answer: "Is the pre-illness protection born?" What is a hunch? Is it worth buying? 》
Let's take a look at Lexiangbao. In fact, it has no protective effect on China people's diseases. I don't know that compared with serious illness, China's claim standard is more relaxed, which means it's easier to get the claim money.
This shows that the significance of traditional Chinese medicine protection is still great, but look at the comparison of many products with traditional Chinese medicine today. Lexiangbao has no traditional Chinese medicine protection. I am so sorry for the love of fans!
To sum up, the cost performance of Lexiang Insurance is average, even if the age range of insurance is not wide, the insurance coverage is still average. It is recommended to compare the critical illness insurance to get a good product! There are many high-quality critical illness insurance in the market, and the senior sister specially selected several models to recommend to everyone: "Super all! List of ten new definitions of critical illness insurance! 》