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How about critical illness insurance in the Pacific? Is it worth starting with? 》
1. Is critical illness insurance in the Pacific worth starting with?
As usual, senior sister will first bring you this product protection map of Pacific Health and Wisdom Critical Illness Insurance:
1, guarantee period can be selected more than one.
The cumulative coverage period of this Pacific Health and Wisdom critical illness insurance has reached four types, providing 20 years and 30 years of protection respectively. You can choose the first effective date of the contract after the age of 70 to correspond to 24: 00 the day before, or you can choose lifetime guarantee.
Compared with those critical illness insurance with only one or two protection periods, this Pacific Health and Wisdom critical illness insurance has more choices.
Therefore, we can combine our own economic situation and security needs to configure a suitable security period, so as to have a more comprehensive security.
2. The payment period is set flexibly.
As we all know, the premium of critical illness insurance is much higher than other types of insurance. Therefore, whether the payment period of a product is set well or not has a great influence on consumers' insurance.
In this regard, Pacific Health Wisdom Critical Illness Insurance has done a good job. There are five different payment periods. You can choose not only wholesale payment, but also 5/ 10/20/30 years to pay the premium. Friends can decide the payment period according to their actual situation.
At the same time, the senior sister suggested that this product contains the content that the insured is exempted from the protection responsibility, and the insured can choose whether to attach it or not. If you choose to add the insured, you will be exempted from this insurance liability. The longer the selected payment period, the easier it is to trigger the corresponding insurance liability.
Once the serious illness exemption of the insured is triggered, that is to say, the remaining premium of the contract will not be paid, which is really great for patients and their families!
How to choose so many payment years? Want to know, you can look at this article:
"How to choose the payment period so as not to lose money? 》
3. Rich optional responsibilities
It is not difficult to see from the protection map that the optional liability settings of Pacific critical illness insurance are very rich, such as secondary compensation for malignant tumors, death/disability insurance, and exemption of the insured.
Everyone's insurance budget and insurance demand will be very different. Providing a variety of optional liabilities is helpful to formulate a more personalized and practical insurance plan, which is very caring for consumers.
Seeing this, does anyone already want to buy this kind of critical illness insurance? Don't worry, you may wish to read the following analysis!
Second, pay attention to these points before starting the Pacific Health and Wisdom Critical Illness Insurance!
1, with a narrow age range.
The age range for purchasing Pacific Health and Wisdom critical illness insurance is 18-60 years old, which is not extensive.
In fact, there are a considerable number of critical illness insurance in the market, and the insured age is generally 0-60 years old. Compared with them, Pacific Health and Wisdom Critical Illness Insurance does not support reinsurance for minors, and the number of insured persons is not extensive.
2. Equal maturity
The waiting period provided by Pacific Health and Wisdom Critical Illness Insurance for consumers is 180 days, which is quite long, because some critical illness insurances only have a waiting period of 90 days, which is less than the full 90 days of Pacific Health and Wisdom Critical Illness Insurance.
Generally speaking, if an accident occurs during the waiting period, most insurance companies will refuse to pay compensation and refund all the premiums paid before at most, unless it is caused by accidental injury.
Therefore, we have to pay attention to the waiting period when choosing critical illness insurance products. Because for the insured, the shorter the waiting period, the faster it means to enjoy the due protection, the better.
3. Lack of mild and moderate diseases
People who know about critical illness insurance should know that the basic protection of an excellent critical illness insurance product should include three aspects: critical illness, moderate illness and minor illness protection.
We should know that although the severity of mild and moderate diseases is not as serious as that of serious diseases, the probability of developing into serious diseases is still relatively high if they are not treated in time. If there is no such protection, in case the insured suffers from mild or moderate diseases, the insurance company may not pay the insurance money, which means that the insured cannot get the compensation for mild or moderate diseases to cope with the economic risks brought by the corresponding diseases.
In the Pacific, health and wisdom are closely related to serious illness insurance, and there is no protection for mild and moderate diseases, and the protection of the insured is relatively lacking.
Generally speaking, Pacific Health Wisdom is a bit low cost-effective, lacking in protection, mild illness and long waiting period, so it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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