The following sister will give you an in-depth evaluation! This article can help you get familiar with Shanghai Life Insurance in advance. If you don't know, let's take a look:
Is Shanghai Life Insurance Company Reliable? Is it strong? Do you have any excellent critical illness insurance products? 》
1. How about Shanghai Life Defending Shanghai Cubic Critical Illness Insurance?
Let's officially enter the evaluation link! First, let's take a look at the product form diagram of this Shanghai Life Insurance Cube critical illness insurance carefully produced by Senior Sister:
It can be known that this critical illness insurance of Shanghai Life Insurance Shanghai Rubik's Cube allows people born between 28 days and 65 years old to take out insurance. After success, you can enjoy the protection of serious illness, death and terminal illness provided by insurance.
Then let's talk about its protection details ~
1. Major disease protection
This critical illness insurance can cover 1 10 kinds of major diseases, including malignant tumor, severe acute myocardial infarction, severe stroke sequelae and so on. During the insurance period, the insured suffers from one or more of the 1 10 major diseases agreed in the contract, and the insurance company pays a critical illness insurance premium, the specific amount of which is the basic insurance amount agreed between the insured and the insurance company.
If the basic insured amount agreed at the time of insurance is 500,000 yuan, then the compensation of the insurance company that can be owned is 500,000 yuan. This money can be used as medical expenses for the insured to treat serious illness, which can effectively make up for economic losses and effectively reduce economic losses caused by serious illness.
2. Terminal protection of death/disease
Critical illness insurance, Shanghai life guard, also has the responsibility of death insurance and terminal illness insurance. If the insured dies after the waiting period (90 days) due to accidental injury or other reasons, or is diagnosed as reaching the terminal stage of the disease, the insurance company will also allow the insured to obtain the corresponding death/terminal insurance money.
If the accident time of the insured is before 0: 00 of the policy anniversary date 18 years old, the death/terminal illness insurance premium paid by the insurance company is the accumulated premium paid by the contract standard body (the annual premium paid by the contract standard body × the contract paid years when the insured is out of danger).
If the insured's insurance time is after 0: 00 on the policy anniversary date 18 years old, only the agreed basic insurance amount can be obtained as insurance compensation for death/illness termination.
This is the end of the evaluation of this Shanghai life critical illness insurance. If you want to know more about this product, please refer to the following article:
"If you want to buy Shanghai Life's critical illness insurance, you should pay attention to these problems! 》
2. Is it worthwhile for Shanghai Life to defend Shanghai Cubic Critical Illness Insurance?
On the whole, Shanghai cubic critical illness insurance of Shanghai Life Insurance is not very cost-effective. There is a lack of protection for mild and moderate diseases, and the content of protection that the insured can have is not comprehensive. In addition, the guarantee period is only for life, and the insurance flexibility needs to be strengthened. So, if you care more about these friends, then this product is not worth buying.
It is best to choose critical illness insurance with more comprehensive protection and higher cost performance in the market:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
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