1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
I think there is something fishy about the critical illness insurance in the harmonious and prosperous times, and it is very cost-effective. Below is a photo of it with Fosun Darwin 5 Glory Edition. If you compare the two, you will understand why I say this:
At first glance, critical illness insurance has all the basic guarantees for harmony and prosperity, including minor illness, serious illness, exemption of the insured, and death responsibility. Senior sister thinks it's good
From the price point of view, compared with other insurances on the market, 30-year-old people buy 500,000 consumer critical illness insurance, life insurance, mild and moderate illness insurance and critical illness insurance, and the prices are not bad as long as they are below 6,000 per year.
However, low price does not mean that the product is cost-effective. The price of the critical illness insurance of Harmonious Shengshi is similar to that of Fosun Darwin No.5 Glory Edition, but the guarantee is much worse:
1. There is a gap in the protection of mild and moderate diseases.
Harmony is full of mild and moderate diseases of critical illness insurance. You can apply for 30% insurance coverage for mild illness and 50% insurance coverage for moderate illness. The glory edition of Fosun Darwin 5 contains three minor injuries and two minor injuries, and the compensation ratio is 30% and 60% respectively.
The critical illness insurance full of harmony and prosperity is less than the glory version of Fosun Darwin 5 in terms of the number of claims and the proportion of claims.
Some friends may think that you should not suffer from two different mild and moderate diseases, so the frequency should not be taken too seriously. However, no one can say for sure that there is such a thing as disease. If the above situation really happens in our life, we may have to face the problem of whether the second disease can be compensated.
What's more, the price of Fosun Darwin 5 Glory Edition is really cost-effective compared with this insurance product, and the protection of harmonious and full major diseases is far less than others. No wonder everyone is not very satisfied.
However, this does not mean that Fosun Darwin 5 Glory Edition has no shortcomings. What you don't know about this product can be found in the evaluation of senior sister:
Do you know all these shortcomings of Darwin 5 glory edition?
2. Is there any optional responsibility?
The optional liability of critical illness insurance is also very few, excluding the secondary compensation guarantee for high-risk and serious diseases such as cardiovascular and cerebrovascular diseases.
Don't think that the second compensation for cardiovascular and cerebrovascular diseases is useless. Take acute myocardial infarction as an example. If you don't pay attention to a healthy lifestyle and don't take medicine on time, you may still get stuck in other blood vessels and then relapse.
Simply put, the cause has existed for a long time, so there is a risk of recurrence anyway.
People who work under great pressure and stay up all year round, like smoking and drinking, should pay special attention to the protection of cardiovascular and cerebrovascular diseases. Full of harmonious and prosperous critical illness insurance, there is no choice. If you expect this kind of guarantee, you can only choose other products that suit you.
Fosun Darwin 5 Glory Edition has a lot more responsibilities for consumers to choose, and can add any protection they want, which is more flexible.
The above content is a simple evaluation of senior students on harmonious, healthy and prosperous critical illness insurance. If you want to know the excellent degree of this product, you can read the following article:
Harmony and happiness are full of serious illness risks, and this move is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
To sum up, senior sister does not recommend buying critical illness insurance in a harmonious and prosperous age.
Its external performance-to-price ratio is only achieved at the expense of partial protection for mild and moderate diseases. After reducing the protection for mild and moderate diseases, the price is still not as good as other serious illness insurance on the market, which is speechless. ..
This is not a deliberate slander by senior sister. Here, the price and guarantee of excellent critical illness insurance compiled by senior sister for you will understand everything by comparison:
Ten cost-effective critical illness insurance integration!
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