Senior sister will take you to find out and reveal its true face.
Before the formal introduction, you can learn about the strength of Tianan Life Insurance:
What is the strength of Tianan Life Insurance Company? 》
1. What is the critical illness insurance coverage of Tianan Life Love Cube?
Following the old practice, let's take a look at the product protection diagram of this Tianan Life Love Cube critical illness insurance:
According to the above picture, we can see that Tianan Life's Aicubic critical illness insurance allows people born between 28 days and 60 years old to take out insurance. The guarantee period for supporting the choice is life, the longest payment period is 30 years, and the arranged waiting period is 90 days. What are the advantages of this product? There must be, and then read on:
1. grouping of serious diseases is more reasonable.
I specially checked the critical illness grouping of Tianan Life Aicubic Critical Illness Insurance, and it was reasonable in general. It lists malignant tumors as a separate group, which increases the probability of claims.
We should know that if malignant tumor and other diseases are in the same group, and claims are made for malignant tumor diseases, then claims cannot be made for diseases in the same group. The focus is on the high incidence of serious diseases, including malignant tumors, and other diseases in a group, the disadvantages definitely outweigh the benefits. Fortunately, Tianan Life's love cube is not set like this. This kind of behavior is very pleasing, which is a plus item.
Regarding how to attach importance to the unreasonable combination of diseases, this article can teach us some small methods to save as soon as possible:
Critical illness insurance grouping reasonable judgment skills! 》
2. Minor illness compensation
The proportion of minor illness compensation for Tianan Life Aicubic Critical Illness Insurance is 30%, which is still very good.
At present, the basic level of compensation for serious illness insurance and minor illness is 20%, and the excellent level accounts for 30%, with a difference of 10%. Some people may think that the difference of 10% is not much, but if the specific amount is used to calculate, the difference may be a little more. For example, if we buy 500,000 yuan, the difference is 50,000 yuan, and if we buy 1 10,000 yuan, the difference is 1 10,000 yuan, which is much better for ordinary migrant workers.
The higher the proportion of compensation, the more money the insured can get. Senior sister has to say that Tianan Life's compensation ratio for serious illness and minor illness can be said to be very wow.
Second, Tianan Life's Aicubic Critical Illness Insurance actually has this pit. ...
Although the highlights of Tianan Life's Aicube critical illness insurance are very attractive, when the senior sister carefully studied the terms of Tianan Life's Aicube critical illness insurance, she found that it did not have middle illness protection.
I believe many people don't know what Chinese medicine is, and it doesn't matter if they have it. In fact, the degree of chronic disease is just between serious illness and mild illness. In fact, if you have a chronic disease, there is no way to pay the insured according to the proportion of serious illness, because you can't meet the compensation standard for serious illness.
Then, when making compensation, is it necessary to pay according to the proportion of compensation for minors? In general, if there is no protection for moderate diseases, and the insured has reached the proportion of compensation for mild diseases. In this way, the insured can directly get the minor illness compensation. In this case, the insured may suffer a little loss. Under normal circumstances, the proportion of compensation for moderate diseases can reach 50% of the basic insurance coverage, and the coverage of better products can reach 60%. However, when Tianan Life Insurance pays for Aichi critical illness insurance, it can only pay at the rate of 30%.
To sum up, you'd better compare several products before making a decision.
Finally, senior sister sends you a list of critical illness insurance, and friends may wish to collect it if necessary:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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