With curiosity, Senior Sister evaluated this product. Friends who want to know the evaluation results first can also click this article to see the details:
How about Fosun United Recreational Life Easy Nuclear Critical Illness Insurance? Senior sister tells you! 》
I. Details of protection
In order to make friends clear at a glance, senior sister gave a picture of the essence of the product:
1. Basic guarantee
The basic protection of Le Kang Life's critical illness insurance (Easy Core Edition) includes critical illness insurance, minor illness insurance and death/total disability insurance, and the basic protection is comprehensive. However, other critical illness insurance on the market will perform better.
Combined with the critical illness protection, it can be analyzed that Lekang Yisheng (Easy Core Edition) has 1 times the critical illness compensation with the basic insurance protection of 100%; 20% of the basic insurance coverage is supported by minor illness protection; Secondly, death/total disability insurance, like critical illness insurance, is also the basic coverage corresponding to 100%.
However, a good critical illness insurance will also include additional compensation for critical illness. It is worth mentioning that a good critical illness insurance will provide multiple or extra compensation for the severity of malignant tumor, because once a person suffers from the severity of malignant tumor, there will be a certain chance of persistence, metastasis or recurrence, so multiple or extra compensation for the severity of malignant tumor is also very important.
Let's take a look at the protection of mild/moderate diseases. Good critical illness insurance will also have greater protection. In addition to increasing the number of mild/moderate diseases corresponding to high incidence and serious diseases, the proportion of mild/moderate diseases should reach 30% and 60% of the basic protection, so as to give the insured more satisfactory protection.
2. Optional responsibilities
Le Kang Lifetime (Simplified Core Edition) critical illness insurance's optional liability is defined as intensive care insurance.
For example, during the insurance period of the contract, after the waiting period is over, the insured is first diagnosed with a major disease agreed in the contract due to accidental or unexpected reasons. Secondly, the insurance company has paid the critical illness insurance premium according to the contract. Then, if the insured needs to be admitted to the intensive care unit for treatment due to this serious illness within 180 days from the date of this diagnosis, and the number of consecutive hospitalization days exceeds 3 days, the insurance company will pay 10% of the contract basic insurance amount 1 intensive care fund.
This optional responsibility surprised the seniors. After all, it is an excellent guarantee.
Next, Senior Sister will introduce the insurance rules of Le Kang Lifelong (Easy Core Edition) critical illness insurance. Before that, you can also read this article again to learn how to buy a good critical illness insurance:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
Two. Insurance rules
1. Suitable crowd
According to the relevant provisions of the contract, the insured should be 30-65 years old when purchasing insurance, and should also be 1-4.
However, some serious illness insurance on the market can be insured at the age of 0-65.
Professionally, 1-4 has a relatively safe working environment, and 1, 2, 3 and 4 are basically represented by teachers, train attendants, property security guards and carpenters respectively.
Friends such as aerial workers, geological surveyors, firefighters, pilots, etc. Most of the time, it is classified as 5-6 occupations, which is not within the scope of Lekang Yisheng (easy nuclear version). However, the detailed occupational classification also depends on how the insurance contract is defined, and there may be some differences.
2. Term of payment
Lekang Yisheng (Easy-to-Check Edition) provides a variety of options in terms of payment period, in addition to one-time payment, it also provides several years of payment period.
Generally speaking, there are many premiums that need to be paid in one lump sum, which may be more suitable for high-income people or friends with good but unstable income. However, if you are a friend with a stable income source or a poor daily economic situation, it is suggested to consider extending the payment period appropriately to alleviate the temporary economic pressure by extending the payment period.
3. Waiting period
The waiting period of critical illness insurance generally covers 90 days or 180 days, and the waiting period of Le Kang lifetime (easy core version) critical illness insurance is 180 days.
Other things being equal, the shorter the waiting time, the greater the probability that consumers will be paid. Because if there is an accident during the waiting period, the insurance company may not pay a penny, and this branch is clearly stated in the contract.
In a word, the payment period of Le Kang life (easy core version) critical illness insurance is flexible, but attention should be paid to the coverage and waiting period.
Therefore, seniors and seniors will advise friends to compare other critical illness insurance products and then make a more appropriate insurance decision ~ In fact, in addition to Lekang Yisheng (easy nuclear version), there are some critical illness insurance with loose health information on the market. Please take a look at this link:
"The latest! The top ten health warnings are loose, and the critical illness insurance is large! 》
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!