Is Versailles plus really as good as it is rumored? What insurance company is Tongfang Global Life? Is the settlement fast? Senior, I will analyze these problems one by one ~
Before getting into the topic, let's see if Versailles plus can stand out among many popular critical illness insurance:
Versailles plus and the popular 136 critical illness insurance comparison table in China
1. How about Tongfang Global Life? Is the claim quick?
1. Company strength
Tongfang Global Life Insurance Company was established in 2003 with a registered capital of 2.4 billion yuan. Headquartered in Shanghai, it is a Sino-foreign joint venture insurance company established by Aegon and THTF.
Among them, Dutch Universal Life Group was founded in the first half of19th century and has a long history of over 175 years. Its business covers America, Europe, Asia and other countries and regions, and it has rich professional insurance experience, ranking among the Fortune 500 all the year round, and being selected as one of the nine "too big to fail" insurance institutions in the world by the International Financial Stability Board.
Tongfang, founded in 1997, is a high-tech listed enterprise in China funded by Tsinghua University. Now the actual shareholder is the State Council SASAC. At present, its technology, products and services are spread all over five continents 100 countries and regions.
Professional insurance group and SASAC background technology group can be described as a perfect combination.
If you want to know more about Tongfang Global Life and its products, you can read this article:
How about Tongfang Global Life Insurance? What products are there, what are good, and what are the pits? In-depth analysis.
2. Speed of claim settlement
In the first quarter of 2022, Tongfang's global life insurance claims amounted to 654.38+0.4 billion yuan, with 4,657 claims. The average claim payment period is not long, only 0.3 days, and the average accidental payment period is not long, only 48.58 days. The odds of claim settlement are not bad, 98.9%, and the odds of self-help are not bad, reaching 96.82%.
Tongfang Global Life guarantees full payment. Its claim report in the first quarter of 2022 shows that major diseases still account for the highest proportion of claims, reaching 73.45%, followed by the proportion of death claims18.71%; In terms of the number of claims, medical claims account for a high proportion, accounting for 80.97%; Followed by major diseases, accounting for 16.05%.
At the same time, not long ago, Tongfang Global Life added functions such as online application for major claims cases, online agency claims, and direct hospital compensation, which significantly accelerated the claims process.
Second, is Versailles plus version of critical illness insurance good? Is it worth buying?
Versailles plus version of critical illness insurance is a new definition of critical illness insurance introduced by Tongfang Global Life. It is said that the protection is comprehensive and the compensation ratio is high. Next, let's take a look at whether this Versailles aggravated illness insurance value is worth choosing ~
1. The basic guarantee has strong ability to pay.
The Versailles plus version of critical illness sets the maximum amount of compensation before the age of 60 to 180% of the basic insurance coverage, the maximum amount of compensation for the age of 60-64 to 130% of the basic insurance coverage, and the maximum amount of compensation after the age of 65 to 100% of the basic insurance coverage, which is not small.
Before the age of 60, it represents a critical stage of life development and also bears heavy family responsibilities. If you are unfortunately identified with a serious illness, it will have an impact on the stability of your family. 180% of the insured amount can make the insured get double protection at the critical moment of life.
However, it is estimated that the policy of delaying retirement will be implemented in the future, which means that family responsibilities still exist before the age of 65, and the 130% premium paid can also give the insured more thoughtful protection.
At the same time, Versailles plus version has a higher compensation amount for moderate and mild diseases. Those who are under 60 years old at the time of the first visit will be paid 65% and 45% of the basic security respectively, which is a very high proportion of compensation. For mild and moderate diseases, they can enjoy * * * times of compensation, so long as the total number does not exceed five, which is quite flexible!
2. Malignant tumor-severe triple compensation is very practical.
Most of the critical illness insurance in the market provides the second payment for malignant tumor-critical illness, while the Versailles plus version of critical illness insurance can provide the insured with the third payment for malignant tumor-critical illness. Malignant tumor-serious or non-malignant tumor-after the first serious payment, at most two additional payments can be provided, each of which can pay 65,438+000% of the basic guarantee.
If the first illness before the age of 60 is malignant tumor-severe, and you pay 1.8 times of the basic insured amount, and then the malignant tumor-severe recurs twice, and you pay 100% of the basic insured amount each time, then you can pay the insured 380% of the basic insured amount at the maximum, which is really awesome!
In this way, the insured does not have to worry about the new occurrence, recurrence, persistence or metastasis of malignant tumor, and has the guarantee of continuous cancer.
3. Rich value-added services
Insuring Versailles plus Edition can provide a wealth of value-added services: private telephone doctor, professional health information, hospitalization/surgery (1 time/year), online expert consultation, domestic secondary diagnosis (1 time/year), expert outpatient appointment and accompanying consultation (3 times/year).
Among them, hospitalization/surgery arrangement has solved the problem of "difficult to see a doctor" for patients, and hospitalization/surgery can be arranged within 7 working days at the earliest.
Once you find yourself seriously ill, you don't have to look for all kinds of relationships to contact the hospital and find a bed. All of them are handled by insurance companies, and you can fully enjoy high-quality medical resources without extra money.
Of course, in addition to these three advantages, Versailles plus version of critical illness insurance is also very loose in health notification. Please see:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Combined with the overall situation, Versailles plus version of critical illness insurance not only provides comprehensive protection and great compensation, but also provides triple compensation for malignant tumors and particularly rich value-added services. It is an excellent critical illness insurance and worth buying.
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