As a result, the senior immediately used Long Jun Life Insurance (Internet) to evaluate it. You might as well refer to it.
If you have a small partner who doesn't know much about critical illness insurance, you may wish to read this article:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
1. How about the protection of health and worry-free critical illness insurance (Internet)?
It's about to be evaluated. Let's take a look at the protection map of critical illness insurance (Internet)!
Friends who have seen the protection map know that the protection map of health and worry-free critical illness insurance (Internet) is very powerful. Is there any bright spot in this? The following seniors will analyze the insurance conditions and protection contents one by one.
1. Analysis of insurance conditions
Health-free critical illness insurance (Internet) gives people born from 28 days to 55 years old the opportunity to insure, and stipulates two choices: 70 years old and lifelong; From these two points of view, the setting of this product is still ok.
For critical illness insurance, people under 55 are allowed to buy it at most. Considering that the older the insured, the easier it is to get out of danger, so it is harmless.
Let's talk about the warranty period. Obviously, this product is more beneficial to those who pursue long-term protection.
In terms of payment period, the insured can choose one of four options: 10 year payment, 15 year payment, 20 year payment and 30 year payment.
2. Security content analysis
Health-free and critical illness insurance (Internet) has set up three protection contents: light, medium and heavy protection, other protection and optional protection, among which this product provides the necessary protection of light, medium and heavy protection and other protection, and it will be fully guaranteed if it exceeds the waiting period.
But optional responsibility is completely different! This requires the insured to increase the cost according to their own needs. Optional responsibilities of health-free critical illness insurance (Internet) include second-degree illness insurance, disease care insurance, malignant tumor-severe medical allowance insurance, specific cardiovascular and cerebrovascular disease insurance, and death/total disability insurance.
The optional responsibility of this product is mainly to provide corresponding protection for high incidence, serious illness, death/total disability, etc. , everyone can selectively add according to their own needs.
So much for the basic information about critical illness insurance (Internet). If you want to know more about this product, this article is very detailed:
How much do you know about "health-free critical illness insurance (Internet)"? 》
Second, health and worry-free critical illness insurance (Internet) is not worth buying. It's not too late to make a decision after reading the following!
With the help of the above contents, it is estimated that everyone has a general understanding of the basic situation of critical illness insurance (Internet). What are the unknown advantages of this product? Today, Senior Sister will introduce it to you!
1. The waiting period is 180 days.
Pay attention to the waiting period when buying health insurance! If the waiting period is ignored at will, it will inevitably lead to the failure to obtain the corresponding insurance money for subsequent accidents.
The reason is that a large number of insurance companies don't fulfill their claims obligations according to the contract requirements in the face of insurance accidents that occur during the waiting period of the insured.
In short, from the perspective of the insured, the shorter the waiting period, the better!
Worry-free critical illness insurance (Internet) is equipped with a waiting period of 180 days. Compared with similar products with a waiting period of only 90 days, the waiting period of this product is somewhat inferior.
2. The maximum payment is 30 years.
According to the above analysis, the health-care critical illness insurance (Internet) has added four payment years, of which the insured can choose 30 years as the longest payment time.
Considering that this product is actually a long-term critical illness insurance, and if the insured chooses the combination of life+death/total disability protection, the premium will be much more expensive, then 30 years can greatly reduce the premium pressure of the insured, which is certainly commendable!
From the above description, it can be concluded that the health care type critical illness insurance (Internet) can be regarded as a leader among many categories of critical illness insurance, and its insurance conditions are not so limited, which guarantees all aspects of the insured. The insured can choose the payment period independently, and the longest waiting period is 30 years, 180 days, which may become an unfavorable factor for medical care critical illness insurance (Internet) in the category competition of critical illness insurance.
According to the above description, it is up to everyone to decide that if the waiting period of this product is acceptable, it is also a good choice.
At the end of the article, for friends who need critical illness insurance, Senior Sister has prepared a small gift for everyone:
"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;
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.
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