The following senior will carefully evaluate Kangshun's life critical illness insurance for all your friends and see how it works.
Considering that the following involves a large number of insurance professional vocabulary, friends may wish to know the basic knowledge of insurance first, which will help to better understand the following contents:
Before buying insurance, you must first understand these key knowledge points! 》
First, is Kangshun's life critical illness insurance good?
Not much to say, first look at the protection map to understand the product form:
As can be seen from the above figure, the product form of Kangshun Life's critical illness insurance is not very complicated.
Next, I will give you a good analysis of the advantages and disadvantages of this product.
& gt& gt advantage
1. Multiple compensation for serious illness without grouping.
Kangshun's life critical illness insurance can set up a critical illness without compensation for three times. In the aspect of multiple payment of critical illness insurance, it is better to pay for the disease without grouping than to pay for it in groups. The reason is that even if compensation is obtained this time, the probability of compensation for other diseases will not change.
Compared with many critical illness insurance on the market, Kangshun Life Critical illness insurance is more likely to get compensation for multiple critical illnesses.
2. Hospitalization allowance for serious illness.
Kangshun's life is seriously ill, so that consumers can get medical allowance for serious illness. If you have to receive treatment after 3 years (excluding 3 years) after being diagnosed as a major disease, you can get an additional insurance premium of 100% of the basic insurance amount.
However, it needs to be clear that Kangshun's lifelong critical illness insurance will not be paid until three years later, which is actually no different from the products that provide cancer subsidies on the market; However, if other serious diseases other than cancer are diagnosed, three years is a long interval, and the interval of critical illness insurance allowance for many critical illness insurance products on the market is only 180 days or 1 year.
& gt& gt disadvantage
1. No extra compensation for serious illness.
Although Kangshun Life's critical illness insurance provided three claims, the amount of compensation provided each time was only 100% of the basic insurance coverage. Compared with those products that pay extra for serious illness in special age groups, Kangshun Life Insurance pays less for serious illness.
Take some relatively good critical illness insurance in the market as an example. Before the age of 60, you can pay an additional 60% of the insured amount. Similarly, if you buy 500,000 insurance, someone who is seriously ill before the age of 60 can pay 800,000. However, Kangshun's lifelong critical illness insurance only pays 500,000 yuan, and the compensation is directly reduced by 300,000 yuan, which is obviously more uneconomical.
2. The interval between multiple compensations for serious illness is long.
The interval between the two critical illness insurance claims of Kangshun Life Insurance is one year. However, according to the situation of multiple critical illness insurance in the market, the interval between multiple claims is 180 days, which is more humane for our consumers. After all, when the disease comes to you, you don't care if the interval has passed.
Limited to space, let's stop here about Kangshun's lifelong critical illness insurance. If you want to know more about this product, you might as well continue to look at this expert version of the in-depth evaluation article:
"Fude Life Life Kang Shun Life Critical illness insurance is worth buying? Let's see if you can accept these two shortcomings! 》
Second, is Kangshun's life critical illness insurance worth buying?
Generally speaking, although Kangshun's lifelong critical illness insurance can be paid without grouping and has hospitalization allowance for critical illness insurance, it has some shortcomings such as insufficient extra payment for critical illness insurance and long interval between multiple critical illness insurance payments.
If you just pursue the number of serious illness payments and don't care about friends who don't pay enough for serious illness, then it's no harm to start Kangshun's life serious illness insurance.
However, for those who pay attention to illness compensation, this product can't meet the demand. After all, there are ten critical illness insurance products on the market that can provide additional compensation for critical illness in special age groups.
Finally, after screening all the popular critical illness insurance in the market, senior sister also listed the critical illness insurance worth buying, and friends in need can have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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