Does the protection of enjoying critical illness insurance really meet the above situation? The following senior sister will help you analyze its related truth!
Before studying life-long critical illness insurance, we can pay more attention to other critical illness insurance of Peking University Founder and understand the general trend:
Is Peking University Founder's "Love Worry-Free 202 1" worth buying? 》
1. What are the advantages and disadvantages of Peking University Founder's exclusive life-long critical illness insurance?
Without saying much, I will send you the protection map of the exclusive protection of critical illness insurance:
Peking university founder enjoys the protection map of guarding critical illness insurance.
There are not many types of exclusive guardianship protection, but there are still some advantages:
Generally speaking, many critical illness insurances are set at a certain age, and the insured needs certain conditions to get extra compensation.
When setting the age limit, the extra compensation for malignant tumors with custody is not included. As long as it is a malignant tumor disease included in the contract, you can get 50% extra compensation. If you suffer from malignant tumor for the first time, you can get 105% compensation. But this advantage can't hide these defects of privileged guardianship:
1.？ Pay less.
The basic protection of exclusive guardianship is not interesting. Serious illness only pays 100% of the insured amount. In serious illness, there is no additional compensation except malignant tumor.
Moreover, regarding the proportion of compensation for mild and moderate diseases, the two companies only have 50% and 20% protection, which is really too little. After all, how much compensation can finally reach us depends on the proportion of compensation. Only adequate compensation can help us shift when the economy is in danger.
For example:
Suppose Xiaoming bought an exclusive insurance policy with a coverage of 500,000 yuan, and the maximum compensation for the first time suffering from mild, moderate and severe diseases was only 6.5438+million, 250,000 and 750,000.
But under the same conditions, if you insure Versailles 1, the compensation for these three diseases can be 225,000, 375,000 and 900,000. The proportion of these two insurances is too different, and the compensation is more than 100 thousand, so the economic loss that can be compensated is much worse.
2.？ Unreasonable interval setting
} The minor who enjoys guardianship has been paid 4 times for illness, and the interval between each payment is 180 days, which is unreasonable. Look at the excellent critical illness insurance recognized in the market now. The interval of minor illness compensation is really short, and the waiting period is half a year longer than before, which undoubtedly increases the demand for compensation.
What is even more incomprehensible to everyone is that the second payment for malignant tumors that enjoy protection actually sets the interval at 5 years! Some people in the medical field should know that malignant tumors have a "5-year survival rate": after medical treatment for more than 5 years, the same disease has not recurred, so there is almost no possibility of recurrence, which can be regarded as "recovery". So is it really necessary to start the second payment for malignant tumors with an interval of five years? Not under normal circumstances. Under normal circumstances, the interval between two compensations for malignant tumors is 3 years, so setting the interval is a reasonable measure.
The minefield of critical illness insurance is not only an interval, but also many unexpected things! Therefore, the advanced pit prevention manual is indispensable:
"Take a look at the common pit of critical illness insurance! 》
2. Is Peking University Founder's lifelong critical illness insurance worth insuring?
From the analysis, it can be seen that although lifelong critical illness insurance has done a good job in paying for malignant tumors, its strength is not enough to protect the basic diseases of this product, and the interval is unreasonable. Based on the above, the performance of this product is really ordinary in daily life, and the cost performance is not very high.
For those friends who want to buy exclusive protection, if they want to buy because of the protection of serious illness, then they can choose other relatively excellent critical illness insurance products on the market, because the payment range of exclusive protection is really unreasonable. Relatively speaking, there are more excellent products to choose from in the market.
Friends who want to know other excellent critical illness insurance should certainly not miss these critical illness insurance selected by senior sister:
"The top ten critical illness insurance inventory is worth buying! 》
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.
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