Let's take a look at the guarantee content of this product with our senior sister and see if it is worth starting.
If you want to know the evaluation results in advance, you can click this article to view:
"Kunlun healthy life family more than a critical illness insurance? You will know after reading it! 》
1. What are the advantages of a healthy life with multiple critical illness insurance?
As usual, before the evaluation, let's take a look at the protection map of this product:
It is not difficult to see from the above protection chart that the protection content of this product is still relatively sufficient. In addition to the protection of mild, moderate and severe diseases, there are also specific long-term care insurance benefits, death or total disability insurance benefits, as well as policy loans and other rights.
In addition, what is remarkable about the guarantee of this product? Everyone will understand if they continue to look down!
1, and the payment period is flexible and diverse.
As can be seen from the protection map, the payment period of multiple types of critical illness insurance for healthy people is flexible, including wholesale payment, 5, 10, 15, etc. And you can pay for it for up to 30 years. Assuming that the financial strength is not strong at the time of insurance, it is recommended to choose a longer payment period, because the longer the payment period, the less premium you need every year and the less pressure.
Moreover, this product has the protection of the insured's minor illness exemption, so the longer the payment period, the easier it is to trigger the insured's exemption.
2. Provide specific long-term care insurance.
According to the specific provisions of the multi-insurance critical illness insurance for healthy people, when the insured loses the ability of daily living on or after the first policy anniversary of reaching the age of 60 and continues to maintain it until the end of the observation period, the insurance company will pay the insured a sum of money on each specific long-term care insurance payment date.
This money can be used as the nursing expenses of the insured, and it can also be used for daily expenses in family life. It has a wide range of uses and helps the insured to further transfer economic risks. It should be noted that some long-term care insurance benefits are only paid once a year, providing a payment time of 10 year.
If the insured is diagnosed as seriously ill/disabled/dead for the first time during the payment period of this insurance money, in this case, the insurance company will pay the unpaid insurance money to the insured or the beneficiary of the insured in one lump sum.
3. The proportion of payment for mild and moderate diseases is excellent.
From the security map, it is very commendable to tell us the proportion of payment for mild and moderate diseases. Those who have suffered from mild illness before the first policy anniversary (excluding) when they reach the age of 60 shall be paid according to the proportion of 45% basic insurance coverage and 90% basic insurance coverage. If you suffer from minor illness after the first policy anniversary date (inclusive) of 60 years old, the proportion of minor illness compensation is 30% of the basic insurance coverage and 60% of the basic insurance coverage.
At present, there are not a few cases in the market where the proportion of compensation for light and moderate diseases of critical illness insurance is set to 20% basic guarantee and 50% basic guarantee, but this product is higher than this, which is still very good.
The above is the highlight analysis of this product. What is the standard of good critical illness insurance in the market? Friends will know after reading this article:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
Second, is it really worthwhile to insure a healthy life with more critical illness insurance?
The waiting period is usually called the observation period and exemption period of insurance companies. If the insured is in danger during the waiting period due to non-accidents, the insurance company will not pay a penny. Therefore, from the interests of consumers, the shorter the waiting time, the more commendable it is.
The waiting period for healthy people to take out more critical illness insurance is 180 days. Compared with the same type of insurance with a waiting period of 90 days, this product provides a relatively long waiting period, which is not conducive to the insured.
Generally speaking, although this product has the advantages of flexible payment period and excellent proportion of payment for mild and moderate diseases, it has a long waiting period, so its cost performance is not very high and it is not worth buying. I suggest you compare other critical illness insurance before making a choice.
This is the list of critical illness insurance with excellent protection compiled by senior sister. Interested friends don't miss:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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