Although Hengqin Life has few years of experience in establishing a company, it has gained a good reputation through the critical illness insurance of online celebrities. Among them, the critical illness insurance of online celebrities is "Worry-Free Life 202 1". It is said that the coverage is comprehensive and strong, and the proportion of claims can be high. Before the age of 70, there are additional claims for serious illness and mild illness, and the price is quite close to the people. Many people are eager to move.
Today, Senior Sister will reveal its true face to everyone and see if it is worth our starting ~ Before analyzing, I will give you an article about carefree life 202 1:
A comparison table of carefree life 202 1 and national critical illness insurance 136.
Not much to say, just look at the safety content map:
As can be seen from the above figure, Worry-Free Life 202 1 Yes 1 times the payment for serious illness, 3 times the payment for middle illness, 3 times the payment for minor illness, and death/total disability protection. Malignant tumors and cardiovascular and cerebrovascular diseases can be paid twice, and children with special diseases can be paid for serious illness insurance once.
Advantages:
1. strongly support serious diseases.
Worry-free life 202 1 There are10 kinds of serious diseases guaranteed, and the compensation ratio is as high as 100% of the basic insurance amount, and 50% of the basic insurance amount can be paid for the first serious illness within 70 years; If a minor illness is diagnosed as a serious illness for the first time after payment, 30% of the insurance premium will be paid. It shows that this worry-free life 202 1 can claim 180% basic insurance premium for a serious illness is excellent in the market.
In addition, carefree life 202 1 pays extra for people before the age of 70. Compared with those who pay extra critical illness insurance for people under 60, Worry-Free Life 202 1 is better. After all, age is directly proportional to the incidence of serious illness, and the longer the guarantee period, the better.
2. The compensation ratio of moderate and mild diseases is high.
This worry-free life 202 1 includes 36 kinds of China medical insurance, and it can be paid for up to 3 times, each time paying 60% of the basic insurance amount; Covering 48 kinds of mild illness insurance, the maximum payment is 3 times, and each payment is 30% of the basic insurance amount. In addition, if you suffer from mild illness for the first time within 70 years old, you will have the opportunity to enjoy an additional payment of 15% of the basic insurance amount, which means that in terms of mild illness payment, the insurance company will pay the insured a maximum of 45% of the basic insurance amount.
It can be seen that carefree life is 202 1, and the proportion of compensation for moderate and mild diseases is very high. Although moderate and mild diseases are much better than diseases, it will cost a lot of money to treat them, ranging from tens of thousands to 120 thousand. For ordinary families, the money is beyond their ability. If they can get more compensation, people will not have so much when choosing good treatment methods.
3. Secondary compensation for high incidence and serious illness is very practical.
Worry-free life 202 1 you can also choose to add malignant tumor-severe secondary compensation for cardiovascular and cerebrovascular diseases and secondary compensation, which are the basic coverage of 120%.
It covers 10 kinds of cardiovascular and cerebrovascular diseases. Compared with the critical illness insurance that only covers three kinds of cardiovascular and cerebrovascular diseases, Worry-free Life 202 1 provides more comprehensive protection for cardiovascular and cerebrovascular diseases.
There are about 3 1.2 million new cancer cases in China every year, and the recurrence and metastasis rate is about 73% within five years. There are about 2.7 million new cases of cerebrovascular diseases every year, among which the recurrence rate of stroke patients is 54% within five years. It can be seen that the incidence and recurrence rate of malignant tumor-severe cardiovascular and cerebrovascular diseases are high.
Therefore, for those friends who have a wide range of adaptation and sufficient budget, Senior Sister feels that both kinds of protection can be attached to the serious malignant tumor and cardiovascular and cerebrovascular diseases of Worry-Free Life 202 1-.
4. Strong protection for children's special diseases.
Worry-free life 202 1 can also add special disease protection for children, such as leukemia, malignant lymphoma, severe asthma, severe hand-foot-mouth disease, severe Kawasaki disease, severe juvenile rheumatoid arthritis and other 20 special diseases for children, and can pay extra 100% of the basic protection.
If you add 100% basic security, 50% extra security for 70 years old and 30% extra security for serious illness, you can get a maximum of 280% basic security.
To sum up, Worry-Free Living 202 1 has a strong protection for children's specific diseases, which can last until the age of 30, and the time span is also very long.
Assuming that the protection of children's special diseases is still too short to 365,438+0 years old, the new version of Mommy Baby Baby is very suitable. There is no age limit for children's special diseases, and then there is an extra payment of 100%. For some very rare childhood diseases, you can also pay an extra 200% of the basic insurance, which is excellent.
In addition to the excellent protection for children's special diseases, Mommy Baby Newborn Edition has many commendable guarantees. This article has a specific introduction:
The new Mommy Baby Newborn Edition still has these shortcomings. ...
Disadvantages:
1. Long waiting period
The waiting period of carefree life 202 1 is 180 days, which can be said to be the longest waiting period. If there is an accident during the waiting period, the insurance company will not pay for it, which is not very beneficial to the insured.
2. Self-contained death/total disability protection
Worry-free life 202 1 includes the protection of death/total disability, the choice is not free, it is not flexible enough, and it does not take care of friends with insufficient budget.
To sum up, Worry-Free Life 202 1 has comprehensive protection, good compensation ratio, good optional responsibility and high age for extra compensation. It is a good critical illness insurance and worth buying.
However, it is not only carefree life 202 1, but also many excellent critical illness insurances on the market. You can compare them more:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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