This number is not small, and now the incidence is younger. Recently, a 29-year-old girl in Guangzhou was diagnosed with explosive diabetes. Every day's news about the disease makes everyone have to raise their awareness of avoiding the risk of the disease.
No, many friends have asked me recently that this long-lived excellent health and critical illness insurance can be paid in two installments. Can you believe it?
Today, senior one is to help you solve this problem, and the other is to help you evaluate the advantages and disadvantages of Changshengyounuo health critical illness insurance. Interested parties may wish to take a look at today's article ~
Before we begin, it is very necessary for us to know what a good critical illness insurance looks like:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
First, the analysis of the number of claims for health critical illness insurance of Changshengyounuo!
Changshengyounuo health critical illness insurance, which can be paid twice for serious illness. Please refer to the following for specific terms:
According to the above figure, we can know that Changsheng Uno Health Critical illness insurance is mainly a critical illness insurance that is paid for many times. If the critical illness insurance is not grouped, the insured will pay twice, which is actually a very brilliant place for this product!
Multiple payments are only for a single payment, which is easy to understand. It means that the contract is terminated after the insured obtains the disease claim. The original guarantee will be invalid.
Different from this, it is multiple payments. Repeated payment refers to having a serious illness. After receiving the claim, the premium does not need to be paid again, but you can enjoy the payment again, if you can pay for the second and third serious illness.
The critical illness insurance payment of Changsheng Uno health critical illness insurance is quite good, so is the other guarantee content of this product strong? Next, the senior sister will introduce it ~
Second, what is the cost performance of Changsheng Uno health critical illness insurance? Is it worth buying?
Is Changsheng Uno Health Critical illness insurance cost-effective? Let's analyze its product diagram first:
As can be seen from the figure, the coverage of Changshengyounuo health critical illness insurance is still very good, covering not only three basic guarantees of severe illness, moderate illness and mild illness, but also 12 special diseases for children. Analyze the advantages and disadvantages of this product with your senior.
& gt& gt Long life and excellent health and the advantages of critical illness insurance;
There are many options for the coverage period of Changsheng Younuo critical illness insurance, which not only provides customers with these optional periodic coverage, but also increases the coverage to 60 years old /70 years old /80 years old, and also sets the coverage period as life, which is very free and can meet the needs of different customers.
At the same time, the longest payment period of Changshengyounuo health critical illness insurance is 30 years, which is really an excellent level in the critical illness insurance market.
Why do you say that the longer the payment period, the better? Because this means that we will share less premium every year, and the probability of triggering premium exemption will be greater.
How to choose such a flexible payment period as Changsheng Younuo Health Critical Illness Insurance? You can read the following article:
"How to choose the payment period so as not to lose money? 》
Are you particularly satisfied with the highlights of the critical illness insurance of Changsheng Uno? Then you are ridiculous! Therefore, we must take their shortcomings seriously!
& gt& gt Precautions for Changshengyounuo Health Critical Illness Insurance:
1, waiting period analysis
We may find that during the waiting period, the insurance company will never settle claims, so it is better to buy critical illness insurance, even if the shortest waiting period on the market is at least three months.
Let's take a look at the waiting period of the critical illness insurance of Changsheng Uno. The actual configuration is 180 days.
2. There is no multiple compensation guarantee for specific diseases.
What we usually see is overpayment protection for specific diseases, that is, cancer, cardiovascular and cerebrovascular diseases, etc. However, longevity and excellent health and critical illness insurance do not have such additional protection, and all aspects are not considered!
Let's take cancer for example. A lot of clinical experience shows that 60% of cancer patients may relapse after operation 1 year, and at least 80% of them will die of recurrence and metastasis within 5 years. And the cost of treating a cancer is not low, at least about 300 thousand.
In this case, do you still think it is not important to pay more for cancer?
Considering the space problem, if you want to know the evaluation results of Changsheng Uno Health Critical Illness Insurance, you can move here:
"longevity Uno health critical illness insurance" actually hides these contents, so you must read it before buying it! 》
Third, the summary of the senior sister
To sum up, Changshengyounuo Health Critical Illness Insurance, as a multi-payment critical illness insurance without grouping, has a very wide coverage, and the commitment period and payment period are flexible and optional. However, there are some things that need attention, such as a long waiting period and no multi-payment protection for specific diseases. If you mind, sister Xue suggests comparing several products before starting ~
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!