Today, senior sister will come to see the critical illness insurance enjoyed by Minsheng Life Insurance to see if it is really that good. Click on the link below to learn the true face of Minsheng Life Ruyi Nine Critical Illness Insurance:
"Buy Minsheng Life Insurance and enjoy lifelong critical illness insurance"? Not necessarily "
1. What are the advantages and disadvantages of enjoying critical illness insurance?
Regarding the critical illness insurance, lifelong protection and basic protection provided by Ruyi Jiu of Minsheng Life Insurance, you have done a good job. Let's take a look at the protection map of this product first:
In order to let everyone better understand the guarantee of this product, junior high school seniors will explain it to you from the advantages and disadvantages ~
First of all, its better aspect is that the waiting period for people's livelihood to enjoy critical illness insurance is 90 days.
As we all know, the waiting period commonly used in critical illness insurance is mainly 90 days and 180 days, and during the waiting period, if the insured is unfortunately out of danger, the insurance company can not claim compensation.
So, of course, the shorter the waiting period, the more obvious the advantage. The shorter the waiting period, the sooner you can enjoy your due rights.
If we only look at this point, it is still very popular for Minsheng Life to enjoy critical illness insurance ~
However, as far as a critical illness insurance is concerned, the most important thing is the protection of the disease.
Through analysis, the senior found that the content of critical illness insurance in people's livelihood is not outstanding, which is embodied in:
1, the additional compensation guarantee for serious illness is general.
For example, in the current critical illness insurance market, whether the critical illness insurance is excellent or not can be judged by seeing whether there are extra payments.
But it doesn't mean that the critical illness insurance includes extra compensation, so it must be excellent.
Not only that, but the conditions for additional compensation and the content of guarantee are also under consideration.
At present, the vast majority of excellent critical illness insurance on the market pays extra for all critical illnesses within the limited age stipulated in the contract, and the maximum extra payment can reach 80%.
On the other hand, the additional compensation for critical illness insurance set by Minsheng Life Insurance is only for malignant tumors, and the compensation is only 50%.
This kind of extra compensation for serious illness is really bad ~
2, mild and moderate disease protection in general.
Minsheng life insurance can provide five times compensation for the minor illness of critical illness insurance, which seems to be the same.
However, after careful comparison, Senior Sister found some flaws. ...
The content of mild and moderate diseases in this product has intervals of up to 365 days.
Simply put, although minor ailments can be paid for five times, if the interval between two minor ailments is less than 1 year, it is impossible to pay for them.
Not only that, Minsheng Life's minor illness compensation also has some defects.
Although there is an increasing proportion of compensation, the first visit only has 20% coverage, which is not excellent in compensation.
And many excellent children's critical illness insurance on the market don't have this kind of care ~
For example, the Versailles PLUS critical illness insurance of Tongfang Global Life Insurance has excellent protection for mild and moderate diseases:
Versailles aggravated illness insurance provides 5 times protection for mild and moderate diseases, which means that mild diseases can be paid for 5 times alone, moderate diseases can also be paid for 5 times alone, or both can be paid for 5 times!
More than that, other guarantees of Versailles plus critical illness insurance are also excellent, which can be deeply understood through the following:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, is the critical illness insurance of Minsheng Life Insurance worth buying?
On the whole, Minsheng Life enjoys the critical illness insurance with average cost performance, and there is no big bright spot except the short waiting period. On the contrary, its performance is more common in the protection of extra compensation for serious illness and mild illness, so the senior sister will not advocate everyone to insure this product.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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