Mutual Treasure's Basic Protection Plan:
As can be seen from this table:
Mutual treasure consists of three mutual aid programs, covering 99 kinds of severe cancers and 5 kinds of rare diseases. The age range of the population is 30 days -69 years old.
The amount of insurance you can get at different ages is also different.
To sum up, if you want to buy this product, you need to meet the following three points:
1. Meet the health notification conditions.
Under 2.69 years old
3. Sesame credit score is above 650 points.
Although the entry threshold is relatively low, but to see whether this product is worth joining, I think it needs to be compared from many aspects:
From the scope of protection, the mutual insurance and mutual assistance plan only covers serious diseases and cancer, but does not cover the protection of moderate and mild diseases, so the protection can only be said to be barely up to standard.
From the aspect of premium payment, mutual insurance adopts the mode of "guarantee first and then pay", which looks very scientific. However, in the event of a serious illness, there is no fixed amount, so the premium is uncertain.
Judging from the insured amount, the maximum insured amount for people over 39 years old is only 654.38+ 10,000. If a serious illness does occur, the cost may not be enough to transfer financial risks.
Judging from the terms of the insurance plan, because it is a mutual aid plan and a one-year plan, the terms of the insurance may change at any time, and it is impossible to protect the rights and interests of the insured for a long time.
So I said at the beginning that mutual insurance can only be used as a supplement to critical illness insurance, not a substitute.
The following is a comparison of popular consumer critical illness insurance in the market:
Horizontal comparison of critical illness insurance regardless of death
Draw a conclusion from the analysis in the table:
Compared with these popular products at present, the biggest advantage of Mutual Treasure is its low threshold. The way of "guarantee first, then share" can be used as a temporary choice for serious illness.
Considering the "unstable" factors mentioned above, I think it is better to choose a real critical illness insurance as a guarantee.
Mutual treasure only takes care of diseases, and mild and moderate diseases are not guaranteed.
If you want to have more comprehensive protection, all the products in the table can be considered, but the above products also have their own advantages and can be further subdivided. People with different needs are also suitable for different products.
The cost-effective products on the market are worth buying, and my father sorted them out for everyone. You can also make a comparison: "List of Critical Illness Insurance in 2020", don't miss these critical illness insurances that have been paid many times! 》