Today, senior sister will take a look at Jinsheng's 20-year-old life-long care insurance to see if it is really so excellent.
Before watching the evaluation, friends can also click on the following article to see the precautions for buying insurance:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
One, one-year-old enjoy the highlights of Jinsheng lifelong care insurance!
Let's not talk about anything else. Before the evaluation, let's take a look at the product diagram of this product:
It is not difficult for us to know from the protection essence map that Jinsheng lifelong care insurance is an insurance product that can protect the life of the insured, and the protection content is quite small, including illness death insurance and long-term care insurance. In addition, it also has other rights and interests, including policy loans, insurance reduction, contract content changes and other rights and interests. Let's see what protection highlights it has!
1, and the upper limit of insurance age is high.
The age range of Jinsheng lifelong care insurance is required to be 28 days to 70 years old after birth, so the upper age limit of this product is 70 years old. Compared with those nursing insurance products whose maximum insurance age is set at 60 or 65, this product can be insured by people of higher age, with a wider insurance age range and more benefits for the elderly.
2. The annual effective insurance amount is increasing year by year.
It is worth noting that Jinsheng's annual life-long care insurance includes the effective insurance amount of that year. In the first policy year, the effective insurance amount in that year is equal to the basic insurance amount in the contract.
From the second policy year, the annual effective insurance amount will increase with compound interest of 3.5% every year, that is, when the effective insurance amount in that year is equal to the effective insurance amount in the previous policy year ×( 1+3.5%).
Simply put, the effective coverage of this product will increase year by year. Generally speaking, the longer the insured exists, the more effective insurance amount will be obtained.
Want to know whether it is worthwhile to buy lifelong care insurance for Jinsheng every year? Then you can take a look at this evaluation article first:
"Kunlun health enjoy jinsheng lifelong care insurance? Look before you buy it! 》
Second, what should be paid attention to in the allocation of Jinsheng lifelong care insurance?
1. Batch delivery is not supported.
As shown in the payment period of Jinsheng Lifelong Care Insurance, this product covers three years, five years and 10 years, but it does not support wholesale payment.
If some small partners want to pay all the expenses at one time because of cash flow difficulties or unstable income, it is impossible to prevent breakup. To sum up, the payment period set by this product is a bit unreasonable, which needs to be improved and perfected in the future work.
If you want to know the benefits of bartering, don't miss this article:
What do you mean by wholesale? What are the benefits? 》
2. Ensure that the content is quite satisfactory.
The protection content of this product includes illness death insurance and long-term care insurance, which can meet the protection needs of most consumers. However, this product is very similar to other nursing insurance products, and there is nothing particularly eye-catching about the protection content.
Many excellent nursing insurance products not only provide the above two guarantees, but also provide insurance benefits for specific diseases. Generally speaking, if the content of nursing insurance is rich, the insured will enjoy a wider range of protection.
On the whole, Golden Life Care Insurance is not worth buying because of its low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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