How does respiratory protection specific disease insurance compare with other critical illness insurance? Friends who want to know the results can look at the following comparison table:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
First, the content analysis of specific disease insurance for respiratory guards
The specific disease insurance coverage of respiratory guards is relatively small, and there is only one kind of respiratory disease protection. Let's take a concrete look at the picture below:
Combined with the terms, let's analyze the advantages and disadvantages of specific disease insurance for respiratory guards.
1, low premium
The specific disease insurance coverage of respiratory guards is relatively small, and the coverage period only covers 1 year, so its premium cost is not much, and the premium may be tens of dollars a year, which most friends can afford.
2. The guarantee period is short, and renewal is not guaranteed.
The specific disease insurance of respiratory guards can only provide you with 1 year protection. Once the insurance expires, it will be renewed. If the insured's physical condition becomes worse, or claims have been made during the guarantee period, and he wants to renew the insurance in the next year, it is possible to refuse the insurance.
On the whole, this respiratory protection specific disease insurance is generally cost-effective. Although the premium price is really not high, the problem is that the coverage period is too short, the continuous coverage is not enough, and the key coverage content is not rich enough.
If you want to know more about the specific disease insurance of respiratory guards, you can read the following assessment:
Revealing the contents of Ruihua Respiratory Guardian specific disease insurance! These defects deserve attention! 》
If you want to get more comprehensive protection, then in fact, the first one can consider critical illness insurance.
Second, the cost-effective recommendation of critical illness insurance
The high-priced critical illness insurance that Senior Sister intends to recommend today is Versailles plus critical illness insurance. It is certainly not wrong for everyone to buy critical illness insurance products according to its standards.
1, extra compensation for serious illness
For people aged 60-64, Versailles aggravated illness insurance provides them with extra compensation. If the insured suffers from serious illness for the first time at this age, the insured can get an extra 30% of the basic insurance amount from the insurance company!
Everyone should have a certain understanding. China has begun to implement the policy of delaying retirement, and many people's retirement age is 65.
If you can enjoy the extra compensation guarantee for people aged 60-64, even if you are diagnosed with illness, you don't have to worry about financial pressure or lack of money for treatment.
2. The cumulative compensation for mild and moderate diseases is very distinctive.
The biggest feature of Versailles plus critical illness insurance is that it can accumulate compensation and give you up to five compensation opportunities. This setting is completely different from the traditional three-time compensation for mild diseases and two-time compensation for moderate diseases. If you don't understand, let me give you an example:
The insured suffers from three minor illnesses. Once the traditional critical illness insurance product is launched, the insurance liability for minor illness will be terminated directly after the second payment, but Versailles 1 can continue to let the insured enjoy the claim protection.
No matter the insured suffers from five moderate diseases or five mild diseases, or four moderate diseases or 1 mild diseases, they can apply for compensation, which not only further strengthens the protection, but also further increases the probability of compensation.
3, optional malignant tumor-severe 3 times compensation
As the most serious disease, malignant tumor has a high incidence and recurrence rate.
For lung cancer, breast cancer, liver cancer, gastric cancer and other diseases, if patients do not pay attention to health care and healthy life after cure, the recurrence rate will become 90%!
After getting three compensation guarantees, even if the disease recurs, you don't have to worry about the lack of treatment costs.
To sum up, Versailles plus critical illness insurance has high performance-to-price ratio, high compensation ratio, comprehensive protection and flexible choice, and has also created many special protection, improved protection and strengthened protection.
If you are a person who pursues high cost performance and comprehensive protection, you can consider Versailles plus critical illness insurance.
Finally, the senior students have put more comments on Versailles plus critical illness insurance in the following article. Those who want to know more can refer to it:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
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