Many friends are also asking, is the price-performance ratio of Le Kang's lifetime 202 1 really that high? Is it really worth buying?
If you want to know more about this critical illness insurance, let's take a look.
Before preparing for the lecture, you can learn about "Fosun United Health Insurance Company", which is the sponsor company of Le Kang Lifelong 202 1:
Is Fosun United Health Insurance Company Reliable? I suggest you consider this product carefully! 》
1. Entertainment Life 202 1 How about the guarantee?
Senior sister put Le Kang's lifetime guarantee of 202 1 into a table. Let's take a look at the protection map first:
From the above picture data, it can be concluded that the most attractive place of Lekang Yisheng 202 1 is its rich guarantee.
Senior, I won't repeat them one by one. I choose the key points to analyze the guarantee of leisure life 202 1 for my friends.
1. Critical illness protection: excellent extra compensation in special times.
Lekang Yisheng 202 1 stipulates that if you are unfortunately seriously ill before the age of 60, you can pay an extra 50% of the insured amount.
In other words, if you buy 500 thousand insurance, you can get 750 thousand.
I have to say that the extra compensation for Le Kang's serious illness in his life is still in place.
It can be said that there are many people before the age of 60, and they are still the mainstay of the family economy, and the economic pressure is quite great.
The extra money can just help patients tide over family difficulties, which is still very good.
2. Minor illness protection: the intensity and frequency of compensation are in place.
Lekang Yisheng 202 1 guarantees 25 kinds of China diseases, which can be paid in two installments, each paying 60% of the insured amount.
Covering 5 1 mild illness, you can claim compensation for up to 3 times, and each time you can compensate 30% of the insured amount.
Le Kang's life-long 202 1 mild and moderate illness insurance is a very good critical illness insurance in the market, both in terms of payment strength and payment times.
3. Optional responsibilities: strong practicality.
Lekang Yisheng 202 1 Optional responsibilities include: secondary compensation for malignant tumor, secondary compensation for specific cardiovascular and cerebrovascular diseases, and death/total disability protection.
Malignant tumor is listed as one of the most serious diseases with the highest incidence, which is not only extremely high in incidence, but also very expensive in treatment. After most patients are cured, there will be a high risk of recurrence.
In this way, the importance of the second payment guarantee for malignant tumors is self-evident, because many times, people who have taken risks will not be accepted by other critical illness insurance.
It is estimated that the number of patients with cardiovascular and cerebrovascular diseases in China is as high as 290 million. If the diagnosis is cardiovascular and cerebrovascular diseases, it is quite difficult to completely cure them without recurrence.
Therefore, it is suggested that when starting critical illness insurance, it is best to pay for cardiovascular and cerebrovascular diseases twice. Even if you are entangled in cardiovascular and cerebrovascular diseases, you can offset the negative effects of secondary recurrence in time.
If you want to know more about critical illness insurance, then this article must not be missed:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
Second, Le Kang Lifetime 202 1 Is it worth buying?
Generally speaking, the basic guarantee of Le Kang Lifelong 202 1 is excellent, including serious illness, moderate illness and mild illness, and there is a very good compensation intensity and proportion.
For these people, Le Kang Lifetime 202 1 is a very good choice:
1. Family economic pillar
Le Kang's life-long 202 1 extra compensation for critical illness is really good, and family economic pillars who have the idea of purchasing critical illness insurance must pay attention to it.
2. People who pay attention to the protection of malignant tumor/cardiovascular and cerebrovascular diseases.
The optional liability of Lekang Yisheng 202 1 is quite rich, and the secondary compensation for malignant tumor and specific cardiovascular and cerebrovascular diseases is very practical. People with a history of genetic diseases should not miss this product.
3. People who pursue high cost performance.
Judging from the insurance conditions of 300,000 yuan, 30-year payment, whole life insurance and no additional insurance, 30-year-old men and women can buy Le Kang Lifetime 202 1 for just over 3,000 yuan.
Compared with other critical illness insurance in the market, it has a very high cost performance and strong market competitiveness.
If you haven't made up your mind to buy Le Kang Yisheng 202 1, let's take a look at these excellent critical illness insurance products collected by senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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