Today, senior sister will take a look at the life-long care insurance of harmony, health and happiness with everyone to see if it is really so excellent. Click on the link below to learn the true face of Harmonious Health Xiduo Lifelong Care Insurance:
Is "Harmonious, Healthy and Xiduoduo Lifelong Care Insurance" worth starting with? Let's start with a paragraph! 》
1. What are the guarantees of Xiduoduo lifelong care insurance?
Before the evaluation, let's take a look at the protection map of this product:
As can be seen from the protection chart above, there are three protection contents of this product, namely: general care insurance and specific disease care insurance. If you want to know the specific guarantee of this product, you can look down:
1, flexible payment period
Xiduoduo lifelong care insurance mainly includes six payment periods, namely wholesale payment, 3 years, 5 years, 10 years, 15 years and 20 years. Consumers can choose the payment period that suits them according to their own needs and economic ability.
If it is a small partner with a relatively small budget, it is recommended to choose a longer payment period, such as 20 years, so that the annual fee will be cheaper and alleviate the economic pressure to some extent.
2. Special disease care insurance has additional compensation.
Judging from the protection chart, the specific disease care insurance premium of this product stipulates that the insured suffers from one or more specific diseases agreed in the contract after the initial diagnosis due to accidental injury or factors other than accidental injury, and the diagnosis or identification of the causes of the specific diseases matches the nursing status agreed in the contract.
In addition to providing general nursing insurance benefits, insurance companies will also receive 10% of the basic insurance benefits as nursing insurance benefits for specific diseases. Even if it is only 10%, it should be said that the extra money can make the insured feel more at ease in the nursing process.
Some friends may immediately think of critical illness insurance when they see the insurance premium for taking care of specific diseases. In critical illness insurance, the insurance premium is paid only after reaching a certain state, and immediately after diagnosis. Senior sister sorted out the most popular critical illness insurance on the market at present. Interested friends can read this article:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Second, you must read it before you buy it! Xiduoduo lifelong care insurance should pay attention to these points!
1, the effective coverage is increasing year by year.
Compared with other nursing insurance, the attraction of Xiduoduo lifelong care insurance lies in providing effective coverage. In the first policy year of the contract, the effective insurance amount is consistent with the basic insurance amount.
However, from the second policy year, the effective insurance amount in subsequent policy years will increase by 3.5% compound interest of the basic insurance amount in the coming year. In other words, its effective coverage will increase with the increase of years.
2. Support insurance reduction
The rule of this product is that during the validity of the contract, if the insured is not out of danger, he can request to reduce the basic insurance amount at most once a year after the contract takes effect for 5 years. If the insured is in urgent need of money, he can apply for surrender, and part of the cash value obtained after surrender is helpful for capital turnover and other problems, which can alleviate the short-term capital pressure.
However, it should be noted that after the insurance is reduced, the insurance company will fulfill its insurance responsibilities with reference to the reduced basic insurance amount, insurance premium and cash value. It can be said that once the insurance is reduced, the insured cannot enjoy the same protection as before.
Generally speaking, Xiduoduo lifelong care insurance has a good cost performance and a good guarantee. Not only the payment period is flexible, but also the amount of nursing insurance for specific diseases is compensated, and it also supports the decrease of insurance amount, and the effective insurance amount will increase year by year, which is worth starting for consumers.
It is not easy to buy insurance. You need to pay attention to some matters before buying insurance, so that you can buy the insurance that suits you. Senior sister has compiled some insurance skills. Before buying this insurance, friends can read this article:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
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