Senior sister will take you to find out today.
If you don't have time to read the following friends, remember to collect this article first:
Comparison Table of Fuai Worry-Free and National Popular 136 Critical Illness Insurance
Without further ado, let's look at the product form diagram first:
It must be admitted that Fuai carefree critical illness insurance is very comprehensive and powerful in terms of protection, which not only has basic protection, but also has nursing insurance for malignant tumors and specific cardiovascular and cerebrovascular diseases.
1, critical illness protection is good, but there are also some places to pay attention to.
Fuai worry-free critical illness insurance covers 100% of the critical illness, which seems to be a general guarantee, but it also provides 100% extra compensation for the small partners who are diagnosed with agreed diseases within 60 years old.
At first glance, Fuai carefree critical illness insurance provides excellent protection. However, this Fuai worry-free insurance has also set a claim of 100% for 20 special diseases, indicating that it can compensate up to 300%. This protection is also very strong.
However, Fuai worry-free critical illness insurance, as a critical illness insurance with multiple payments, is set at 365 days in the interval of secondary payment for critical illness.
In other words, the second payment for a serious illness can only be paid if it is more than 365 days from the first payment. Compared with those products whose time interval is only 180 days, this setting can only be regarded as quite satisfactory.
2. The compensation for mild and moderate diseases is at the upper-middle level.
At present, there are many products in the serious illness market that pay 20% for mild illness and 50% for moderate illness. Fuai's worry-free critical illness insurance provides 30% for mild illness and 65% for moderate illness.
This kind of compensation is in the middle and upper reaches, so that patients can get timely treatment during mild and moderate diseases and avoid developing into serious diseases.
If you want to know more about this product, you can read this article:
Is the "Happy Love Careless" of Three Gorges Life Insurance worth buying? An article tells you "
Second, seemingly beautiful happiness and love guarantee, carefree. In fact, there are these noteworthy places.
Of course, don't be fooled by the appearance of caring for serious illness insurance. The following places need our attention:
1, long waiting period
In terms of waiting period, most excellent critical illness insurance is 90 days, and the shortest waiting period now belongs to this, while the waiting period of Fuai carefree critical illness insurance is as long as 180 days.
If these diseases are diagnosed during the waiting period and are within the scope of protection, not only the contract will be terminated, but also the premium will be refunded. People who are diagnosed with these diseases during the waiting period will not pay for the diagnosed diseases, and the contract is still effective for critical illness insurance. The setting is too strict.
The maximum insured amount is limited.
We all know that buying critical illness insurance is actually buying insurance coverage, and we can clearly see how much we can enjoy in the setting of insurance coverage.
The amount of critical illness insurance coverage of 500 thousand is our most recommended. In this case, medical expenses, income loss, family debts and expenses can be better compensated.
However, Fuai's worry-free critical illness insurance can only set a maximum coverage of 400,000 for family pillars aged 65,438+08-40, which may not meet the needs of consumers who pursue high coverage.
In short, Fuai carefree critical illness insurance only guarantees that it looks quite comprehensive, but it actually hides mystery. I suggest you watch more, so that you can choose the product that suits you best.
You may wish to refer to this list of critical illness insurance compiled by senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!