Most people ask whether this product is good or not. Is sex expensive? Is it worth starting with?
Let's evaluate this product with you today to see if it is worth buying. Don't miss it if you want to know.
Because the following article will involve many professional words, in order to help you better understand the following article, I suggest you know some basic knowledge of insurance first.
Before buying insurance, you must first understand these key knowledge points! 》
1. How about Sunshine Life Kangzunbei life critical illness insurance?
Senior sister has shared the protection responsibility map of Sunshine Life Kangzunbei lifelong critical illness insurance below. Please see:
Sister Xue studied this protection map and felt that this product was very different from the publicity on the market. It's really ordinary. If there is anything outstanding, it is that other rights and interests of this product are still well done.
Policy loan and reduction of payment are two rights and interests provided by Sunshine Life Kang Zunbei's critical illness insurance.
Policy loans can be loaned for up to 80% of the cash value and up to 6 months. This right is very sincere for people with little economic budget in a short time.
As for the right to pay off the deduction, the insured can use it when he doesn't want to invest any more premium and lose his protection.
Generally speaking, it is better than surrender. After all, choosing to surrender will lose some cash value, but the deduction is different from it.
Sister Xue reminds everyone that after the reduction of compensation, the insurance amount will be reduced accordingly.
Let's analyze the shortcomings of this product, and we will continue to analyze it with our senior sister.
2. Is there any shortage of Sunshine Life's lifelong critical illness insurance?
After careful combing, senior sister found that Sunshine Life's lifelong critical illness insurance still has many shortcomings:
1, long waiting period
Sunshine Life has a long waiting period, 180 days.
Senior sister has always stressed to everyone that the shorter the choice of waiting, the better. In essence, the risk time is the waiting period, and the insurance company will refuse to pay compensation.
At present, 90 days is the shortest waiting period for critical illness insurance and our best choice. However, the waiting period for Sunshine Life to lead to lifelong critical illness insurance is twice as long as before, and some are speechless.
If you don't know much about the waiting period, senior sister suggests that you can read the following article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Lack of basic security
Sunshine Life Kang Zunbei's lifelong critical illness insurance has been criticized for its lack of protection for mild and moderate diseases.
With the development of critical illness insurance, "minor illness insurance+medium illness insurance+critical illness insurance" has become the standard of critical illness insurance. Senior often tells you that the purpose of buying insurance is to buy protection, and critical illness insurance also follows this point. The insured must never choose incomplete protection when choosing.
Obviously, for us, Sunshine Life, which is not guaranteed for mild and moderate diseases, is not worth buying.
3. There is no premium exemption.
At present, we need to remind everyone that Sunshine Life Kang Zunbei's lifelong critical illness insurance has no premium exemption.
The premium exemption means that during the payment period stipulated in the insurance contract, the insured/insured will be exempted from the subsequent premium after being approved by the insurance company, but the protection is still effective.
Sunshine Life's life-long critical illness insurance has no premium exemption, which means that even if you have a mild/moderate illness, you can't work and you have to continue to pay the premium. This situation is inhuman to the insured.
If you don't know what premium exemption is, you can read this article:
Will the premium be exempted? Do I have to choose insurance? 》
4. There is no high incidence of serious illness and repeated payment.
It is worth noting that Sunshine Life's life-long critical illness insurance has no multiple payment protection for high incidence and serious illness.
I believe everyone knows that diseases such as cancer are not only expensive to treat, but also have a great chance of recurrence. If you don't set up multiple payments, you will get cancer again after getting one payment, and you will lose your protection.
It is precisely because of this situation that many high-quality critical illness insurances have multiple payments for malignant tumors. However, Sunshine Life Kang Zunbei's lifelong critical illness insurance does not include this payment, which is not good.
Summary:
Sunshine Life Kangzunbei lifelong critical illness insurance has a low cost performance. Although it only provides serious illness protection and death/total disability protection, it lacks mild and moderate illness protection and has a long waiting period.
Therefore, senior sister does not recommend that everyone buy it. Let's take a look at other critical illness insurance products on the market.
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!