1. How about the guarantee of a harmonious and prosperous life in critical illness insurance?
I think there is something fishy about the critical illness insurance in the harmonious and prosperous times. Compared with the glory version of Fosun Darwin 5, the result is obvious:
In fact, from the above picture, at first glance, the protection of harmony and prosperity in critical illness insurance covers basic protection such as minor illness, serious illness, exemption of the insured, death liability, etc. I think it is quite detailed.
In terms of price, at present, the insurance on the market, 30-year-old people buy 500 thousand consumer critical illness insurance, life insurance, minor illness and serious illness protection, and don't need 6000 yuan a year, which is not a small price.
However, saving money is not necessarily good. The price of critical illness insurance is similar to that of Fosun Darwin 5 Glory Edition, but the guarantee is much worse:
1. There is a gap in the protection of mild and moderate diseases.
Critical illness insurance will pay 30% for mild cases and 50% for moderate cases. Fosun Darwin 5 Glory Edition paid for three mild cases and two moderate cases, with a compensation ratio of 30% and 60% respectively.
Critical illness insurance, full of harmony and prosperity, no matter the number of claims or the proportion of claims, will be less than the glory version of Fosun Darwin 5.
Some friends may feel that they are not so miserable, just suffering from these two different mild or moderate diseases, so we don't have to pay special attention to the frequency. But no one can be sure of the disease. If the above situation really happens in our life, we may face the difference between a second disease with compensation and without compensation.
What's more, the price of Fosun Darwin 5 Glory Edition is cheaper than Hele, and the guarantee is far less than others. I'm speechless.
However, this does not mean that the glory version of Fosun Darwin 5 is flawless. If you are interested in this product, you can take a look at the detailed evaluation of Senior Sister:
Both Fosun and Darwin 5 Glory Edition have these shortcomings.
2. Is there any optional responsibility?
There are really few optional responsibilities for critical illness insurance. Just like cardiovascular and cerebrovascular diseases, there is no secondary compensation guarantee for high and critical diseases.
Don't underestimate the second compensation guarantee for cardiovascular and cerebrovascular diseases. Take the common acute myocardial infarction as an example. To say that it is cured is actually to open occluded blood vessels in time without complications and so on.
However, there are three main arteries in the heart. No matter which kind of acute occlusion occurs, it is acute myocardial infarction. If you have an unhealthy lifestyle and don't take medicine on time, you may get stuck in other blood vessels and then relapse.
Talking about people means that the cause exists for a long time, so there is a risk of recurrence anyway.
Therefore, people who have high work pressure, stay up all year round and like smoking and drinking should pay special attention to the protection of cardiovascular and cerebrovascular diseases. However, critical illness insurance has left consumers with no choice. If you want this kind of protection, you can only pay attention to other products.
Fosun Darwin 5 Glory Edition has done a very good job in optional liability, and any protection you like can be attached according to your own needs, which is more flexible.
The above content is a simple evaluation of senior students on harmonious, healthy and prosperous critical illness insurance. If you want to know more about this product, you can read the following article:
Harmony and happiness are full of serious illness risks, and this move is hidden deep enough!
Second, is the value of critical illness insurance in a harmonious and prosperous world worth buying?
Based on the above analysis, we can know that critical illness insurance is not cost-effective, so it is not recommended to buy it.
The cost-effectiveness of its publicity is obtained at the expense of the protection of some mild and moderate diseases. After the protection of mild and moderate diseases is reduced, it is still not as good as the price of other serious illness insurance in the market, which is very embarrassing. ..
Senior sister didn't damage it on purpose. Compare the price and guarantee of excellent critical illness insurance compiled by Senior Sister before, and you will know if Senior Sister is exaggerating:
Look at the critical illness insurance of 10 products. The price is high and the price is low!
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