Today, senior sister will take a look at the life in the entertainment circle with everyone to see if it is really that good. Click on the link below to understand the real face of entertainment life:
"202 1 tongfang global recreation life critical illness insurance was officially launched, and many people ignored it! 》
First, the advantages and disadvantages of leisure life analysis
Let's take a look at the product protection map first:
Advantages: malignant tumors are paid for many times.
Recreational life itself carries multiple compensation guarantees for malignant tumors. Senior has always told you that when choosing critical illness insurance, it is most likely to choose products with multiple compensation protection for malignant tumors.
Why?
Because malignant tumor is the most common disease in life now, accounting for more than 60% of all disease claims.
If nothing else, it is a fact that malignant tumors are easy to recur.
According to the statistics of CDC, the recurrence and metastasis rate of cancer patients in China is 50% three months after operation and 66% within one year. In addition, 80% of cancer patients died of recurrence and metastasis.
For example, Zhang San bought a critical illness insurance, which does not include multiple compensation guarantees without malignant tumors. When he was diagnosed with cancer at the age of 45, Zhang San's claim was paid according to the agreement after he bought critical illness insurance. Unfortunately, a year later, the disease recurred again, and at this time, there was a lack of money for treatment. However, Zhang San's critical illness insurance did not compensate the malignant tumor many times, so the contract has ended. At this time, all the treatment expenses and economic losses of Zhang San can only be borne by himself, which greatly increases the family economic pressure. Speaking of which, do you understand the significance of multiple compensation guarantee for malignant tumors?
In addition, the multiple compensation guarantee for malignant tumors in recreational life is excellent, the interval is intimate, and the compensation ratio is still good, taking care of recreational life very much.
Even though the guarantee of multiple compensation for malignant tumor brought by recreational life is very attractive, it is still a big shortcoming of recreational life discovered by senior sister.
Disadvantages: Low compensation rate for chronic diseases.
In entertainment life, the proportion of disease compensation is only 40%, which is far lower than similar products on the market.
At present, the proportion of disease compensation in good critical illness insurance products is 60%, and even additional compensation protection will be obtained.
For example, the Versailles puls critical illness insurance, which belongs to the same insurance company as Kangle Life Insurance, is guaranteed by 60% of the middle illness. If you are out of danger before the age of 60, you can pay an additional 15% of the basic insurance amount if you meet the conditions.
Let me give you an example: Zhang San and Li Si increased the insurance coverage of Recreation Life Insurance and Versailles puls Critical Illness Insurance by 500,000 respectively. At the age of 50, both of them unfortunately suffered from China's disease. Le Kang Life paid 40% of the insured amount as agreed, that is, 200,000 yuan to Zhang San. Versailles puls critical illness insurance paid Li Si an extra 60%+ 15%, totaling 375,000 yuan. There is a gap of175 thousand yuan, which is almost the price of a car! Is there a big gap between the two?
If you want to know more about Versailles plus, you can read this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, is the entertainment life worth starting?
Generally speaking, the cost performance of an entertainment life is not high. Although its coverage is comprehensive, the proportion of symptom compensation is low, and no additional compensation guarantee is provided. So, on the whole, it is not worth buying.
It is best to choose critical illness insurance with more comprehensive protection and higher cost performance in the market:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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