1. How about the critical illness protection of Sino-Dutch Life Insurance?
Not much to say, senior, let's take a look at the protection content of serious illness of Sino-Dutch life insurance:
From the picture, we can know that the protection of the peace of mind critical illness insurance is rich in content, but it also has several defects:
Disease protection is really not attractive enough! Let's take a look at the most basic critical illness protection. Peace of mind guarantee is divided into five groups, each group pays 1 time, and each payment is 100% of the insured amount. There is no problem in grouping the diseases with peace of mind, but it is not so ideal in the proportion of compensation.
At present, there are many times of payment for critical illness insurance, and all of them have set a gradient to increase the proportion of payment. For example, Ford Plus can pay up to 200% of the insured amount; In the worst case, age or time will be required, and additional compensation will be provided before the age of 60 or before the anniversary of 15 policy to ensure the strength of critical illness protection;
Obviously, you can feel that the assured 100% coverage is not very strong. If you buy 500,000 insurance coverage and the other party pays 60% more insurance coverage, that is, 300,000 more, then the result is definitely to choose to pay more insurance.
At the same time, for people under the age of 60, it is still necessary to pay extra compensation for serious illness: before the age of 60, most people are in a period of fighting for their career ideals and taking on family economic responsibilities, not only considering their own future, but also considering family stability.
Once suffering from a serious illness, the first thing that comes to mind is how to solve the high treatment costs and family expenses. It takes a lot of money not only to find someone to take care of yourself, but also to take care of your family. Therefore, extra efforts can really help a lot, and peace of mind is not in place.
How to set up this overpaid critical illness insurance and critical illness protection is more cost-effective? This article will teach you:
How about overpaying for critical illness insurance? It turns out that we all believe it too much!
Let's look at its other guarantees. There is no more practical secondary compensation for cancer or cardiovascular and cerebrovascular diseases, only one malignant tumor-severe extra compensation, and the compensation is only 30% of the insured amount.
Many critical illness insurances with multiple payments (such as 40% guarantee and three payments of Kunlun Insurance) set up multiple extra payments for malignant tumors-severe extra payments, and some critical illness insurances also set up secondary payments for malignant tumors, which will be above 100% guarantee, so there is no advantage in comparison.
The latest "China National Health and Nutrition Big Data Report" shows that a quarter of the world's cancer patients come from China, but the prognosis of cancer in China is not particularly good, and there are many recurrences and new cases. Therefore, the establishment of multiple extra compensation and multiple compensation is completely in line with the situation of cancer treatment, and it still does not play any role in ensuring the malignant tumor of critical illness insurance.
There is a large wave of people "talking about cancer discoloration", so we should pay more attention to this protection. If you want to know more points, you can read this article:
Is the added value of "cancer second compensation" worth it? If these points are not clear, the loss will be great!
2. Does Sino-Dutch Life recommend critical illness insurance?
China Life's peace of mind guarantee for critical illness insurance is not very good, and the payment ratio is not high. However, malignant tumor-serious illness is divided into one group when grouping serious illness, so that the compensation of other serious illness will not be affected. This part deserves praise.
However, despite the simple coverage, the price of critical illness insurance of Sino-Dutch Life Insurance is not low; If the insured age is 30, the insured amount is 500,000, and the payment is divided into 30 years, and the annual premium is tens of thousands.
Under the same insurance conditions and at the same price, we can obtain the critical illness insurance with more diversified protection and higher compensation ratio. Compared with others, Sino-Dutch Life Insurance is not affordable and not worthy of Amway.
If you want to see more and better critical illness insurance, don't miss this selected list:
The new definition of critical illness insurance pk, the most worth buying is actually these ten models! ?
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!