There are also many small partners asking, is the cost performance of Kunlun Health One-year-old Jinsheng B lifelong care insurance really so high? Is it really worth buying?
The following sister will give you an in-depth evaluation! This article can help you get familiar with insurance knowledge in advance. Friends who don't know, come and see:
"Super complete! Everything you want to know about insurance is here.
1. How about life-long care insurance for Jinsheng B of Kunlun Health? OK or not?
Not much to say, senior sister first presents you with the product form diagram of Kunlun Health One-year-old Jinsheng B lifelong care insurance:
1, analysis of insurance conditions
First of all, its insurance age, Kunlun Health Year enjoys Jinsheng B lifelong care insurance, so that people born from 28 days to 70 years old have the opportunity to insure, and the scope is very large.
In addition, during the guarantee period, Kunlun Health enjoys Jinsheng B lifelong care insurance to support lifelong protection.
For consumers who pursue long-term protection, lifetime protection can better meet their needs.
In addition, the prevalence of serious diseases increases with age, so among the middle-aged and elderly people, the risk of diseases deserves our attention, and lifelong protection can bring more protection in the critical period.
Finally, Senior Sister takes you to know the payment period of life-long care insurance of Kunlun Health Year-old Jinsheng B. Consumers can choose to pay the premium in batches or in 3/5/ 10 years when purchasing.
2. Security content analysis
The coverage of life-long care insurance for Kunlun Health Year-old Jinsheng B covers the insurance benefits of illness death and long-term care, and increases the double protection of illness death and care. At the same time, other rights and interests have been set up.
The beneficiary of long-term care insurance money is the insured himself. If you need to receive long-term care, you may wish to use this insurance money to alleviate economic pressure; The death insurance can specify the beneficiary and the share of the beneficiary, so as to realize the directional inheritance of wealth.
It can be said that the payment methods of these two kinds of insurance benefits are related to the payment ratio and effective insurance amount. Senior, the key point here is effective insurance coverage.
According to the life-long care insurance clause of Kunlun Health Jinsheng B, it can be known that the effective insurance amount is actually the same as the basic insurance amount in the first policy year; According to the second policy year, the effective insured amount will be compounded at the interest rate of 3.5% per year.
It means that as long as the insured has been living in the world, the insured amount of this product can continue to grow.
It can be said that with the extension of the policy holding time, if the insured is in danger, the more insurance money the insurance company may provide, and the protection will be leveraged.
Remind everyone that the insurance coverage of some similar products on the market is always fixed. In contrast, Kunlun Health Pension Sheng B Lifelong Care Insurance is warmer.
Want to see more analysis of life-long care insurance in Kunlun Health Year, you can poke another evaluation of Xue Jie:
"Can Kunlun Health enjoy Jinsheng B lifelong care insurance to make old age worry-free? A secret article. "
Second, is the life-long care insurance of Kunlun Health and Jinsheng B worth buying?
To sum up, the insurance threshold of Kunlun Health One-year-old Jinsheng B lifelong care insurance is relatively low, which provides protection for illness death and nursing. In addition, effective coverage will gradually increase from the second policy year, and the overall performance will be bright.
However, there are many excellent nursing insurance on the market, and it is not too late to shop around.
For example, another nursing insurance under Kunlun Health, Le Nian Sui Lifelong Care Insurance, is full of highlights. Interested friends may wish to know:
What should I pay attention to before buying annual lifelong care insurance? 》
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