Partners who want to know this product quickly can read this article first! Do you understand these shortcomings of Tongfang Global's A New Jian Kang Life B?
1. Life-long B Guarantee Analysis of Tongfang Global New Jian Kang
Without introducing so much, let's take a look at the actual guarantee content above!
Xin Kang Jian Yi Sheng B of Tongfang Global is a single payment for serious illness insurance products, which covers three kinds of diseases, namely mild, moderate and severe, and also has built-in death protection and exemption for the insured with mild and moderate diseases. Compared with many insurances on the market, the insurance age range is much wider, and the highest insurance age is 60 years old, which is very friendly to the elderly.
Next, let's take a closer look at the advantages and disadvantages of this critical illness insurance with our senior sister!
1. Advantages Analysis of Tongfang Global Xinkangjian Yisheng B
(1) flexible payment period
Tongfang Global Trust Kangjian Life B provides a variety of payment methods, and people with different budgets can choose different payment methods. And you can also choose a payment period of 30 years. When purchasing critical illness insurance, we generally recommend choosing the one with the longest payment period, so that the premium exemption function is more likely to be triggered.
Specifically, if a person's payment period is 30 years, but he suffers from moderate or mild illness in the fifth year, the premium for the next 25 years will be directly exempted, and the original protection of the policy will still be effective.
(2) cancer in situ is guaranteed
Cancer in situ is not a trivial matter, it is a disease with high incidence and mild illness, which will develop into a serious malignant tumor. However, cancer in situ is not included in the protection of mild diseases, because it has been stipulated in the new regulations for severe diseases. As a result, the protection of cancer in situ began to disappear from some serious illness insurance, and the protection value of mild illness was naturally not so high.
Fortunately, the mild illness protection of this Tongfang global new Kangjian Yisheng B is still included in the protection, which is very good!
2. Defects in Section B of Tongfang Global Xinkangjian Life Insurance
(1) single critical illness protection
The critical illness protection of Tongfang Global Xinkangjian Life Insurance B does not have extra compensation like many critical illness insurances, but only a single payment. It is important to know that most of the seriously ill products on the market now have additional compensation protection in terms of serious illness protection. For example, a critical illness insurance product such as Ford Plus can not only get 6 times compensation for critical illness, but also get an extra compensation of 150% at most. If you insure 500,000 yuan, you can get a compensation of1250,000, which is quite powerful compared with other products.
In contrast, this product of Tongfang Global Xinkangjian Yisheng B has too little critical illness protection. If compared with competitors' products, it has no features.
If you want to know more about Ford plus, please click this article to have a look! After reading a little, do you dare to buy Fosun and Ford with critical illness insurance?
(2) Malignant tumor cannot be compensated.
According to statistics, cancer accounts for more than half of the compensation for serious illness. Even if the medical level has been developed, cancer is still a disease that everyone is afraid of, not only because of its long treatment cycle, but also because cancer may recur, spread and metastasize.
At present, the critical illness insurance on the market will provide consumers with optional secondary compensation for malignant tumors according to the characteristics of cancer, which is excellent.
Tongfang Global Xinkangjian Lifelong B not only pays for a single serious illness, but also has no option for a second payment for malignant tumors. This setting is really unacceptable.
To sum up, the protection of Tongfang Global Xin Kangjian Yisheng B product is not very good. Although it covers light, medium and heavy conditions, its coverage does not include multiple payments for malignant tumors and cardiovascular and cerebrovascular diseases, and it is not competitive enough compared with similar products in the critical illness insurance market.
In addition, its intensive care system is relatively backward, and many intensive care insurances in the market lack additional payments, but there will be multiple payments. Therefore, it seems that the performance of this Tongfang global new Kangjian lifelong B model in critical illness insurance products is still quite satisfactory.
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