Recently, Harmony Health launched the Fu Man Yi critical illness insurance. It is said that the price-performance ratio is very good. Even if you don’t have a sufficient budget, you can enjoy a lifetime critical illness insurance product with high insurance coverage. However, after some analysis by the senior schoolmate, I still discovered some

thing, let’s analyze its specific content together~ 1. How about the protection of Harmony Fumanyi’s major illness insurance?

Harmony Fumanyi critical illness insurance is really cost-effective. My senior thinks it is definitely not simple. Compare it with Fosun Darwin 5 Honor Edition and you will know: Harmony Fumanyi critical illness insurance covers minor and moderate illnesses.

Basic protections such as disease protection, critical illness protection, insured exemption, and death liability are quite broad in scope.

When it comes to price, among the insurance companies in the industry, a 30-year-old person who buys a consumer-type critical illness insurance with a sum insured of NT$500,000, lifetime coverage, mild and moderate illness and critical illness protection only costs less than NT$6,000 per year.

The price is okay.

However, cheap price does not mean no loss. Harmony Fumanyi Critical Illness Insurance and Fosun Darwin 5 Honor Edition are similar in price, but there are many differences in terms of protection: 1. There is a gap in protection for mild and moderate illness. Harmony Fumanyi

The number of claims for critical illness insurance is once for mild illness and once for moderate illness. Mild illness provides 30% of the insured amount, and moderate illness provides 50% of the insured amount; however, Fosun Darwin 5 Honor Edition includes 3 times.

For mild illness compensation and 2 moderate illness compensation, the compensation ratios provided to consumers are 30% and 60% of the insured amount respectively.

Harmony Fumanyi's critical illness insurance is not as good as Fosun Darwin 5 Honor Edition in terms of the number of claims and the proportion of claims.

Most friends may think that they are not unlucky enough to suffer from two different types of mild or moderate symptoms, so they don’t need to worry too much about the number of times.

But there are too many uncertain factors in things like disease. If this situation really happens, what we will face is the difference between having compensation and no compensation for the second disease.

Moreover, the price of Fosun Darwin 5 Honor Edition is relatively cheap compared to Fumanyi’s critical illness insurance, and the protection is not as good as others. This really disappointed everyone’s expectations.

However, this does not mean that Fosun Darwin 5 Honor Edition has no flaws at all. If you are very curious about this product, this review done by the senior sister is worth reading: There are these things behind the hot sales of Darwin 5 Honor Edition

Mao Ni 2. Optional liabilities are relatively limited. The optional liabilities of this Harmony Fumanyi critical illness insurance product are also very limited. Secondary compensation protection for high-incidence critical illnesses such as cardiovascular and cerebrovascular diseases is not among its optional liabilities.

Don’t underestimate the secondary cardiovascular and cerebrovascular compensation protection. For example, acute myocardial infarction can be cured by keeping the blocked blood vessels open without causing complications.

It should be noted that there are three aortas in the heart. Acute occlusion in any one of them is acute myocardial infarction. In the past, if you did not develop good lifestyle habits, did not take medicine on time, etc., blockage will still occur in other blood vessels.

situation, causing relapse.

In other words, the cause of the disease exists for a long time, and there is still a risk of recurrence no matter what means are used.

Therefore, if you have a lot of work pressure, stay up late all year round, and like to smoke and drink, you should pay special attention to the protection of cardiovascular and cerebrovascular diseases.

However, Harmony Fumanyi has no major illness insurance options to choose from. If you have such protection needs, you can only look at other products.

The Fosun Darwin 5 Honor Edition has many more responsibilities for consumers to choose from. You can add whatever protection you like, which is more flexible.

The above content is a simple evaluation of Harmony Health Fumanyi Critical Illness Insurance by the senior sister. If you want to know more about this product, you can read the following article: The trick of Harmony Fumanyi Critical Illness Insurance is deep enough!

2. Is Harmony Fumanyi critical illness insurance worth buying?

We can tell from the above description that it is not recommended to buy Harmony Fumanyi critical illness insurance.