This is an insurance company. Let me give you a brief introduction of this company.
Let's take a look at the basic situation of CITIC Prudential: CITIC Prudential Life Insurance, formerly known as Prudential Life Insurance, was jointly established by China CITIC Group and British Prudential Group with a registered capital of 2.36 billion yuan. In terms of strength, CITIC Prudential Life, which has a solvency of 289.75%, is worthy of recognition, and its ability to claim compensation is also considerable, with a chance of winning as high as 99%.
Judging from the above situation, everyone in this company can be trusted.
Just look at the company and look at the products carefully. Well-known Wellcome 2020 and Health Benefit are popular products launched by Xincheng Life Insurance.
Enjoy Wellcome 2020, a critical illness insurance product launched by CITIC Prudential. Here, I will tell you about this product. If you want to know about other products of Prudential, I have arranged it for you. You can take a look at the top ten insurance companies' hot critical illness insurance inventory!
From the picture, we can know that the biggest feature of this product is:
Special disease protection: it is beneficial to the protection of diabetic patients. In addition to the basic protection for serious illness and mild illness, there are additional compensation for major organ or hematopoietic stem cell transplantation and diabetic complications, as well as long-term care for the elderly.
Disadvantages are:
1. Expensive products: Although the guarantee is comprehensive, compared with other products on the market, the price is still quite high, and this price is not linked to the cost performance.
2. Lack of responsibility for chronic diseases: Many critical illness insurance products now include three basic guarantees: heavy, medium and light, but this one lacks protection for chronic diseases and is biased.
3. The proportion of down payment for mild illness is low: even if there are 7 payments for mild illness and it is incremental payment, the down payment is only 20%, which is a bit low. Compared with other critical illness insurance products on the market, this down payment is really too low.
4. It is necessary to increase the minor illness exemption function of the insured: the insurance exemption of this product can only be guaranteed by paying more money, but there are many protection contents attached to the insurance exemption in the market now, so there is no need to buy it at a premium.
If the budget is high and there are requirements for specific diseases, then everyone can do their homework;
If the price of this product exceeds your budget, you can read an article I compiled: