Today, let's take people with a monthly income of 9000 as an example to see if they can afford a harmonious, healthy and happy life and the matters needing attention.
First of all, the senior will teach you the trick of avoiding the pit when you are seriously ill:
Teach you to identify those pits in the insurance contract! 》
First, unveil the mystery of Fu Man's life!
The safety map is still very complicated for us. In this case, the senior should cut to the chase directly:
1, the proportion of serious illness compensation is high.
Fuman can provide 170% compensation guarantee for people who are diagnosed with serious illness for the first time before 6 1 year old, which is very high in our common products in the serious illness market!
The age of extra compensation for serious illness is before 6 1 year, which perfectly covers the golden age of life. Don't worry that the family will have no one to rely on because of illness.
2. Optional specific cardiovascular disease protection
Cardiovascular and cerebrovascular diseases that threaten people's lives and health have become very serious in today's society, and their mortality and morbidity are gradually increasing.
Fuman included the protection of specific cardiovascular diseases into optional liability, paying 1.2 times the insured amount. There is an extra guarantee for people who have had cardiovascular and cerebrovascular diseases at home.
The insurance premium is reasonable.
In view of the questions raised, can a monthly income of 9000 yuan afford lifelong critical illness insurance? Now the senior sister will calculate the relevant premiums for everyone.
Suppose a 30-year-old man has been insured all his life. Under the condition that he has bought 500,000 insurance coverage, guaranteed life, paid fees for 30 years, and does not bear additional responsibilities, this seriously ill product stipulates 6695 yuan as the premium.
In the serious illness market, the price is indeed in the middle level, but seniors have seen many serious illness products with premiums as high as 10,000 yuan. For friends with a monthly income of 9000 and an annual income of 65438+ 10,000, it is more than enough to bear the cost.
About the more advantages of Fuman's life, Senior Sister put it in this article. If you are interested, you can go and have a look:
Is "harmonious health" full of life "worth starting with? After learning the truth, I withdrew my hand ... "
Having said that, friends must be eager to get insurance. Don’t panic！ Let's talk about these shortcomings.
Second, these pits that have been blessed for a lifetime, don't say I didn't tell you!
1, the waiting period is tricky.
The waiting period means that after purchasing insurance, if an insurance accident occurs within the agreed time, the insurance company will not claim compensation.
Therefore, the shorter the waiting period, the better, so as to enjoy the protection as soon as possible. At present, the waiting period in the seriously ill market is 90 days at the earliest, but the life time of Fu Man is twice that of others, which means that the probability of waiting for danger is twice that of others.
According to the probability, the probability of getting out of danger during the waiting period is very small. If something goes wrong during the waiting period, the insurance company has reason not to pay, and the insured can't help it.
2. The guarantee period is too single.
The common excellent critical illness insurance in the market has not only lifetime protection, but also regular protection until the age of 60 /70. You can choose the protection period at will.
However, Fuman's life is still not flexible enough and only provides lifelong protection. Although the guarantee time is sufficient, it will be much more expensive in price, which is more expensive than regular payment, thus shutting out friends with tight funds.
Generally speaking, Fuman's living security is relatively perfect, with good performance and a wide age of insurance. If the shortcomings are that the guarantee period is single and the waiting period is long, then it is not worth mentioning in front of the advantages.
If you still think that the above has not touched your immediate needs, the following article will tell you the answer:
"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;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!