So is this product worth starting with? Does it taste good？
The following senior students will further evaluate the Aibo 2.0 critical illness insurance of China Merchants and China Life Insurance, and I suggest you refer to it.
Before evaluating Aibo 2.0' s critical illness insurance, Senior Sister Xue will briefly introduce the investors and life insurance companies!
I didn't expect this little-known China Merchants Renhe Insurance Company to be so powerful. ...
1. How about the critical illness insurance protection of Love Guardian 2.0?
As usual, I'll show you the protection map of Aibao 2.0 critical illness insurance, as shown below:
After getting familiar with the protection map of Aibo 2.0 critical illness insurance, we can see that the protection content of this product is quite diverse, except for the protection of minor, moderate and severe illness, as well as the exemption of the insured's protection of minor, moderate and severe illness and death, and some optional responsibilities can be added, including nursing insurance for serious illness, additional risks for malignant tumor-serious illness and additional risks for cardiovascular and cerebrovascular diseases.
Before it's too late! Let's give you a good analysis of Aibo 2.0' s critical illness insurance, starting with the insurance conditions and protection contents.
1. Analysis of insurance conditions
The age range of critical illness insurance in Aiguardian 2.0 requires that babies discharged from hospital 28 days after birth should be 60 years old. 60-year-old insurance age limit is more common in the critical illness insurance market; Many times, insurance companies will also consider taking greater risks for older policyholders.
There is also the payment period. Aibo 2.0 critical illness insurance has seven inconsistent options, including wholesale payment and 3/5/ 10/ 15/20/30-year payment. Students can consider that the payment period is in line with their own economic situation. If they plan to pay by installments, they should try to choose a longer payment period, which will make it easier to trigger the exemption mechanism.
What is more prominent is that the critical illness insurance of Aibo 2.0 not only guarantees life, but also the waiting period of this product is 90 days.
You should know that the waiting period of general critical illness insurance products is set to 180 days. By comparison, it can be seen that during the waiting period, Aibo 2.0 critical illness insurance is better.
Looking at the insurance conditions, it is more intimate to love to protect 2.0 critical illness insurance.
2. Security content analysis
The protection content of the critical illness insurance of Ai Guardian 2.0 includes both basic protection and optional protection. Speaking of the former, if you want to enjoy the light, medium and heavy exemption protection of the insured at the same time, in this case, you have to choose one from Scheme 3-8.
Optional responsibility is the most critical, and the three optional responsibilities focus on high incidence and serious diseases, involving malignant tumors and specific cardiovascular and cerebrovascular diseases.
Take specific diseases of cardiovascular and cerebrovascular diseases as an example. The report released by the National Cardiovascular Center shows that the incidence of cardiovascular diseases in China is on the rise, and 2 out of every 5 deaths are due to cardiovascular diseases. In addition, the recurrence rate of acute stroke patients in China in the first year is as high as 17%.
Thus, if the insured unfortunately recurs cardiovascular and cerebrovascular diseases again, the insurance company will pay 100% of the insured's basic insurance amount under the condition of providing additional protection for cardiovascular and cerebrovascular diseases and meeting the claim requirements. Therefore, the insured can also get more adequate economic security to face the disease.
Therefore, the performance of the protection content of the guardian 2.0 critical illness insurance is very satisfactory!
Love Guardian 2.0 critical illness insurance is almost the same, and friends want to know more about this product. The following is even more exciting!
Does "Love Guarding 2.0 Critical Illness Insurance" really have a ceiling? Senior tells you the answer! 》
Second, the senior sister suggested
All in all, the overall performance of Aibo 2.0 critical illness insurance is relatively in place, the insurance conditions are relatively loose, and the protection is comprehensive. If a small partner wants to choose critical illness insurance, Aibo 2.0 critical illness insurance is still excellent and worth starting with.
Of course, there are many critical illness insurance products on the market, and there are also many other good critical illness insurance products. Therefore, I suggest that you study the excellent critical illness insurance products of different insurance companies before taking out insurance, so that you can better choose the critical illness insurance that suits you and contains high cost performance.
At the end of the article, if a small partner wants to shop around, the following article is worth referring to:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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