Senior sister immediately further evaluated this product and took everyone to dig deeper!
Space is limited. If you want to see more analysis from different angles, it is recommended to collect the evaluation of senior sisters:
Is the Sino-US mutual love health insurance plan fully guaranteed? An analysis! 》
1. What about the Sino-American mutual love health protection plan? OK or not?
Senior, let me take a look at the product form diagram of Sino-US mutual love health protection plan:
1, analysis of insurance conditions
The insurance conditions of Sino-American mutual love health insurance plan mainly include four aspects: insurance age, guarantee period, payment period and waiting period. Senior sister will come and introduce you right away.
In terms of insurance age, the insurance age set by the Sino-US mutual love health protection plan is from 28 days after birth to 55 years old, which covers a wide range of ages.
In terms of the duration of protection, the options of Sino-US mutual love health protection plan are somewhat monotonous, and only provide lifelong protection.
Let's talk about the payment term first. This product is more flexible, including five options. You can choose according to your own conditions.
Secondly, the waiting period of Sino-US mutual love health insurance plan adds up to 180 days, which is nearly three months longer than that of similar products on the market, and it is not very friendly to policyholders.
2. Security content analysis
The content of the Sino-US mutual love health protection plan is very rich, which has aroused the strong interest of senior students.
Not only the basic guarantee is comprehensive, but also the protection of serious illness, mild illness and moderate illness, as well as other guarantees, including: children's specific disease insurance, first serious illness care insurance, first serious illness care insurance, malignant tumor-severe continuous treatment insurance, insured exemption, second serious illness insurance and death/total disability insurance.
In addition, the latter two are optional responsibilities, which is convenient for families to freely match according to their own insurance needs.
Here, senior students mainly introduce the children's specific disease insurance premium and the first critical illness care premium set up by the Sino-US mutual love health protection plan to enhance the protection of people of a certain age group.
Let's first look at the insurance premium for children's specific diseases. If the insured is under the age of 18 and is diagnosed as a child-specific disease within the scope of 16 contracts for the first time, the insurance company will pay 100% of the insurance premium in addition to the first serious illness insurance premium.
If the amount of the first critical illness insurance is 100%, then at this time, the total application for * * * is 200%, which ensures the leverage.
Secondly, it is stipulated that the insured suffers from serious illness for the first time between the ages of 18 and 60, and the insurance company will pay an additional 60% of the insured amount according to the treaty.
In fact, this kind of protection is not much different from the "extra compensation for serious illness" that we often see in other serious illness insurance, which can strengthen the protection for serious illness in the critical period of life. But some excellent products will be more in place.
Versailles plus is a good example, which stipulates that if the insured suffers from serious illness for the first time before the age of 60, the insured can get an extra 80% of the insurance coverage; When you are 60 to 64 years old, you will get extra compensation according to the proportion of 30% of the insured amount, so that the protection is more in place for adults.
Friends who are fascinated by Versailles plus may wish to deepen their understanding through this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, is the China-US mutual love health protection plan worth starting?
Generally speaking, the Sino-US mutual love health insurance plan has advantages and disadvantages in terms of insurance conditions and coverage content, and the overall performance is not very good. Excellent critical illness insurance products emerge one after another in the market, so you must shop around before insurance.
If you don't know which products have both popularity and reputation, you can poke the list made by your sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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