Before we help you break it down, we can see how it compares with the popular critical illness insurance:
Comparison between harmonious overflow and mainstream 136 critical illness insurance
1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
Critical illness insurance is harmonious and prosperous everywhere, and its cost performance is outrageous. Do you think this is credible? Anyway, I feel something is wrong. Compared with the glory version of Fosun Darwin 5, the result is obvious:
In fact, at first glance, the coverage of critical illness insurance is good, covering basic protection such as minor illness, serious illness, exemption of the insured, and death liability.
From the price point of view, a 30-year-old person can buy 500,000 consumer-type critical illness insurance to protect life, mild to moderate illness and serious illness, but it doesn't cost 6,000 a year, which is not a small price.
You can taste the sweetness from the price, but it doesn't prove that you have earned it. The price of critical illness insurance is similar to that of Fosun Darwin 5 Glory Edition, but the protection is much worse:
1. There is a gap in the protection of mild and moderate diseases.
Critical illness insurance will provide compensation for mild illness and moderate illness, with 30% for mild illness and 50% for moderate illness; However, Fosun Darwin 5 Glory Edition paid 3 times for mild illness and 2 times for moderate illness, and the compensation ratio was 30% and 60% respectively.
The critical illness insurance in the harmonious and prosperous times is smaller than the glory version of Fosun Darwin 5 in both the number of claims and the proportion of claims.
Most friends may think that they are not so miserable, just suffering from two different mild and moderate diseases, so we don't have to care too much about the number of times. But no one can be sure of the disease. If this really happens, we need to consider whether there is corresponding compensation for the second disease.
What's more, the price of critical illness insurance is more expensive than the glory version of Fosun Darwin 5, and the guarantee is far from others, which really disappoints everyone's expectations.
However, this does not mean that Fosun Darwin 5 Glory Edition has no shortcomings. If you are interested in this product, you can take a look at the detailed evaluation of Senior Sister:
Fosun and Darwin 5 glory edition seem perfect, but there are many defects!
2. Subtract optional responsibilities
There are few optional responsibilities for critical illness insurance, and there is no secondary compensation guarantee for cardiovascular and cerebrovascular diseases.
Don't think that the second compensation guarantee for cardiovascular and cerebrovascular diseases is useless, such as acute myocardial infarction. The treatment of this disease is to dredge the blood stasis pipeline and avoid complications.
However, there are three main arteries in the heart. If one of the three arteries has acute occlusion, it is all acute myocardial infarction. If you don't take medicine on time, be careful to block other blood vessels, and then myocardial infarction will recur.
Generally speaking, the cause persists, so there is no way to prevent the risk of recurrence.
Therefore, if the work pressure is high, people who stay up all year round and like smoking and drinking should pay special attention to the protection of cardiovascular and cerebrovascular diseases. Full of harmonious and prosperous critical illness insurance, there is no chance to choose. If you want this kind of protection, you can only turn your attention to other products.
Fosun Darwin 5 Glory Edition will be richer in optional responsibilities, and you can attach any protection you like and be more flexible.
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
To sum up, it is not cost-effective for us to buy a harmonious and prosperous critical illness insurance.
The cost performance of its publicity is obtained by reducing the protection of some mild and moderate diseases. After reducing the protection of mild and moderate diseases, the price has no advantage compared with other serious illness insurance prices in the market without reducing the protection. This wave of operation is really speechless. ..
This is not what senior sister said on purpose. Compare the price and guarantee of excellent critical illness insurance compiled by senior sister before, and you will know that senior sister is not exaggerating:
The top ten critical illness insurance for products with less money is coming!
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!