Senior students read private letters. Many people are more concerned about the critical illness insurance of Huaxia Fuduobei version 3.0, and people of all ages seem to be more interested.
Today, Senior Sister came to evaluate this version 3.0 of Huaxia Fuduo Times for everyone to find out whether this product is suitable for people in their 40 s to insure.
People in their forties who are in a hurry can learn the following latest evaluation results:
Is the 3.0 version of Huaxia Fuduo Times worth starting with? These two shortcomings are too painful! 》
1. What was 3.0 like in the era of Huaxia Fuduo?
As usual, the senior first presents the essence of the 3.0 version of the Huaxia Fuduo era for everyone to see:
As shown in the figure, Huaxia Fuduo version 3.0 can pay 6 times for a serious illness. Obviously, this is a critical illness insurance product that has been paid for many times, and it can also protect loyal ministers. People born between 28 days and 65 years old have the opportunity to be insured.
Huaxia Fuduobei version 3.0 covers the basic protection of serious illness, moderate illness and mild illness, as well as hospitalization nursing allowance and death/total disability protection.
After reading and watching Huaxia Fuduo Times 3.0, Senior Sister discovered a bright spot of Huaxia Fuduo Times 3.0, and the waiting period was short.
The waiting period of Huaxia Fuduobei version 3.0 is only 90 days, which is acceptable in the market and very intimate for people in their forties.
A short waiting period will benefit the insured. In this case, it is no problem for the insured to get the product guarantee earlier, and the probability of getting out of danger during the waiting period will also be reduced.
What happens if you are really out of danger during the waiting period? If you are not sure, take a look at this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
Let's analyze other aspects of Huaxia Fuduo Times 3.0:
1, analysis of additional compensation for serious illness
Huaxia Fuduoduo version 3.0 also provides additional compensation for serious illness. According to the regulations made by Huaxia Fuduoduo Version 3.0, the following conditions must be met: first diagnosed with serious illness 10 years before the insurance policy and before the age of 50, and pay 50% of the insured amount.
Look at other products of the same type and directly stipulate additional compensation for serious illness before the age of 60.
2. Analysis of disease safety in China.
In the 3.0 version of Huaxia Fuduo Times, the payment for middle illness is 50% of the insured amount. However, in some serious illness insurance products on the market, the proportion of compensation for middle illness reaches 60% of the insured amount.
If the proportion of compensation is higher, the insured can also get more insurance money for treatment when suffering from chronic diseases.
3. Lack of secondary compensation for cancer
The biggest killer that can threaten human life and health is cancer. It is characterized by high incidence, high recurrence rate, long treatment time and high cost.
If the second payment for cancer can't provide this payment, it can't cope with the risk.
Huaxia Fuduobei version 3.0 is not equipped with cancer secondary compensation liability insurance, so you can make more comparisons before making a decision.
Then, can Huaxia Fuduo Times 3.0 provide enough protection for people in their 40 s? Listen to the explanation of senior sister slowly.
Second, is Huaxia Fuduo Times 3.0 worth buying for people in their 40 s?
Almost all people in their forties are the breadwinners of their families. The burden on their shoulders is heavy and the pressure is not light. Once they get seriously ill, the whole family will lose their economic income.
Huaxia Fuduobei Version 3.0 can provide certain risk transfer protection for people in their forties, and everyone can choose insurance according to their own situation.
However, Senior Sister has also compiled a list of high-quality critical illness insurance for everyone here. I want to buy critical illness insurance, but you are over 40 years old. You can click here for more information:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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