What are the advantages and disadvantages of 1. Bodhi Pratt & Whitney Edition?
Before it's too late, look at a wave of infographics to understand insurance products more intuitively:
As can be seen from the above picture, this product has a lot of basic guarantees. What are the advantages and disadvantages? Let's take stock one by one.
superiority
1. Insurance age relaxed
Friends who know about critical illness insurance will know that there are many restrictions, such as age restrictions. Most of the insured age of critical illness insurance is not over 55 or 60 years old, and it is difficult to buy critical illness insurance beyond this age.
Huaxia Bodhi Pratt & Whitney Edition extends the upper limit of insurance age to 65, which is relatively loose. You know, if some people are over the age of insurance, it is not cost-effective to increase the premium to buy critical illness insurance products. People over the age of 60 buy Pratt & Whitney Bodhi Tree without increasing the premium, which is still very cost-effective.
2. Extra compensation for serious illness
Bodhi Pratt & Whitney version of the critical illness protection compensation is still good. The insurance company will pay 100% of the insured amount for the serious illness in the insurance contract. Secondly, the product gives 50% of the insured amount as additional compensation to consumers who meet the two conditions of serious illness for the first time ten years before the policy and before the age of 60.
Suppose that Lao Zhao bought Bodhi Pratt & Whitney version of critical illness insurance with a coverage of 500,000 before, and got a serious illness at the age of 59, which happened within ten years before the policy, then he can get 750,000 compensation at once. This money is enough to pay for the basic treatment of major diseases.
3. Hospitalization care allowance
Bodhi Pratt & Whitney Edition provides hospital care allowance for consumers. If the insured under the insurance contract has not suffered from any serious illness before the age of 60, then if the insured is hospitalized after the age of 60, it will be paid in the form of 0. 1% insured amount * hospitalization days, with a maximum payment of 90 days per year, until the amount of hospitalization care allowance provided during the guarantee period is equal to the basic insured amount, and this responsibility will be terminated.
If you stay in hospital for a long time, even if you have some savings at home, it will be consumed sooner or later. Moreover, the living expenses at home are also an expense, and the hospitalization care allowance is really a big help and highly practical.
disadvantaged
1. Insufficient protection for mild and moderate diseases.
As far as the protection of mild and moderate diseases of this product is concerned, it is flat and faint, and there is nothing particularly brilliant, which is not bad. Compared with other products on the market, there are still some shortcomings.
The proportion of Chinese medicine guarantee payment is 50% of the insured amount, which can be paid in two times. Some serious illness insurance can cover 60% of the insured amount, and there are extra payments for minor illnesses, so that consumers can get more compensation.
In view of the shortcomings of the Pratt & Whitney version of Bodhi Tree, it will not be expanded one by one because of the space problem. Interested parties can take a look at this article:
Is Huaxia Bodhi Pratt & Whitney Edition cost-effective? Can you accept these two loopholes?
Second, is the Bodhi Pratt & Whitney Edition worth buying?
From the content of protection, this product of Bodhi Tree Pratt & Whitney Edition is quite good. There is no shortage of basic protection such as serious illness and mild illness, as well as special protection and hospitalization nursing allowance, which is quite cost-effective
In critical illness insurance, there is not only 50% extra compensation, but also 100 kinds of critical illness are divided into 6 groups and paid in 6 times, which greatly improves the probability of the insured being compensated.
Moreover, Bodhi Pratt & Whitney Edition specifically protects cancer and groups cancer separately, which means that we also have compensation for cancer. Although cancer has a high incidence and recurrence rate, we don't have to be afraid that it will have a blank period of protection.
Some friends are not clear about grouping, so be sure to read this article more, otherwise you will still be very happy to be fooled by the insurance company.
Is critical illness insurance good for a group or not? The key is to look at this!
If you pay more attention to the repeated payment of critical illness insurance underwritten by big brands, and don't want to miss the high guarantee and high cost performance, this is definitely a product worth recommending!
If you want to consider more similar critical illness insurance products, these models with good reputation can refer to:
Ten inexpensive critical illness insurance inventory!
Write it at the end
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