For those who don't know much about critical illness insurance, please take a look at this lightning protection guide for critical illness insurance:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
1. What is the level of lifelong critical illness insurance in Jin Dian?
Let's first analyze the protection map of lifelong critical illness insurance in Jin Dian:
As can be seen from the above figure, Jin Dian Life Insurance is a life-long critical illness insurance with a single payment. The insured population 18 to 65 years old, the coverage content is very simple. Let's take a look at the advantages and disadvantages of this product with our senior sister:
1, product advantages of Jin Dian Life
(1) Pre-illness protection
The most satisfying thing in Jin Dian's life is to provide protection before illness. The pre-illness condition is better than mild illness, and the threshold for claims is not so high. If the insured has problems earlier and needs treatment, he can also get compensation earlier, effectively avoiding the possibility that his illness will become a critical illness insurance!
According to a WHO statistic, one third of cancer cases can be found early, and they can also be treated in time. Therefore, premonition protection is very practical.
(2) Strong protection for adult special diseases.
In his life, Jin Dian provided 20 kinds of serious illness protection for adults. Once diagnosed, it can also meet the claim standard. In other words, he will give all the insured amount to the consumer, that is, buy 500,000 insured amount, and the insured can get up to 654.38+00,000. With sufficient funds as the backing, the insured can receive treatment with peace of mind.
(3) Optional multiple compensation for serious illness.
If you don't like single payment for serious illness very much, Jin Dian can also attach the responsibility of multiple payment for serious illness and divide it into five groups. Consumers can get compensation up to five times, which can bring greater protection to consumers.
2. Shortcomings in Jin Dian's life.
(1) Long waiting period and short payment period.
The longest payment period of Jin Dian is only 19 years, while the longest payment period of half of similar products is 30 years, and the difference is 1 1 year! You know, the pressure of our annual payment is related to the payment period. If the payment period is shorter, the payment pressure will be greater!
In addition, the waiting period of Jin Dian's life needs to wait 180 days, which is 90 days longer than most critical illness insurance. During the waiting period, the insurance company will not pay compensation, and the insurance company will terminate the contract and refund the premium. Therefore, the longer the waiting period, the greater the risk of claims, and the waiting period of 180 days is very unfavorable to us!
(2) Lack of protection for China's diseases.
The compensation threshold for chronic diseases is lower than that for severe diseases, and the compensation is much higher than that for mild diseases. For example, if the insured is in a state of moderate paralysis, Jin Dian can only give consumers 6,543,800 yuan as compensation, while Versailles plus can provide the highest compensation of 375,000 yuan, which is really a far cry! Therefore, the protection of chronic diseases in Jin Dian is insufficient, and consumers are not really considered.
(3) Less compensation for minor ailments.
Jin Dian Life's compensation for minor illness is only 20% of the insured amount, and most of the critical illness insurance is set at 30% of the insured amount for minor illness! And there are many products that provide consumers with additional compensation services for minor illnesses. By comparison, the compensation level for minor ailments in Jin Dian's life is not high.
Because the space is not very long, I won't introduce the advantages and disadvantages of this product of Jin Dian Life. If you want to know, open the following reading:
Is the critical illness insurance of Pacific Jin Dian Life really that good? Reality is coming! 》
Second, is life-long critical illness insurance in Jin Dian worth buying?
Judging from the above contents, the critical illness insurance of Pacific Jin Dian Life Insurance is incomplete, with poor compensation and high premium, so this product is not very cost-effective.
This product is very suitable for people who love Pacific brand and have sufficient budget. If you want to get better protection, I suggest you pay more attention to other better critical illness insurance on the market and compare several products before placing an order.
Intimate senior sister wants to share a list of critical illness insurance with good cost performance. Interested parties can have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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