The following sister will give you an in-depth evaluation! The following article can help you get familiar with critical illness insurance in advance. If you don't know, let's take a look:
Keep your eyes open when buying insurance, and don't fall into the trap of critical illness insurance.
1. Analysis on the guarantee highlights of Fosun's joint optimization of critical illness insurance G!
Next, let's take a look at what is the guarantee content of Fosun's joint optimization of critical illness insurance G:
As we all know, the critical illness insurance under Fosun United Health has always been sought after by people.
No, senior sister heard that Fosun's joint selection of critical illness insurance G is not only very strong in terms of protection, but also much stronger than other critical illness insurance in terms of optional liability. Come and evaluate it together!
1, strongly support serious diseases
Fosun's joint optimization contract G for critical illness insurance mentioned 1 10 kinds of critical illness insurance.
Before the age of 50/60, an additional 60% of the insured amount can be paid (on the premise of additional disease care); After the age of 60, pay according to 100% of the insured amount.
Suppose 30-year-old Xiao Li is insured for 500 thousand. If he is diagnosed with a serious illness before the age of 60, he can get an additional compensation of 300,000 yuan. In other words, a 30-year-old can get up to 800,000 yuan.
However, senior sister wants to explain to you that at present, the better critical illness insurance products are all paid with additional critical illness insurance.
2. The setting of Medicaid for severe malignant tumor is intimate.
According to the latest data from WHO, there will be 9.29 million new cancers/kloc-0 in the world in 2020.
Among them, there are 4.75 million new cases of cancer in China, and 8 people are diagnosed with cancer every minute, accounting for 23.7% of the world.
Most of us think that cancer is a terminal disease, but if it is found early, we have a great chance to treat it.
Looking back now, Fosun jointly chose G-type critical illness insurance, and also provided the responsibility of additional cancer allowance.
The first time you have a malignant tumor will be delayed by 365 days. Assuming continuous treatment, each policy year pays 40% of the basic insurance amount as a subsidy to the insured, and the payment period is capped at 3 years, which is very beneficial to the insured!
3. Strong protection against mild and moderate diseases.
Fosun jointly optimizes this section of G-section critical illness insurance, and if the disease care fund is added, the maximum amount of minor illness protection can be 45%; Moderate diseases can be guaranteed up to 90%.
This time, Fosun jointly optimized critical illness insurance G, regardless of the number of claims or the proportion of claims, such a proportion is still very competitive in the market!
Moreover, it deserves more attention. It can be seen that if disease care insurance is not included in the G-type mild and moderate disease protection of Fosun's joint optimization of critical illness insurance, then the protection of mild and moderate diseases is still relatively common.
There are many cases in the market where the proportion of critical illness insurance payment is 30%, and 50% of the basic insurance amount can be paid after the diagnosis of moderate illness. The excellence of G-type critical illness insurance jointly selected by Fosun is reflected in its guarantee.
Even so, don't rush to buy the G-type critical illness insurance jointly selected by Fosun, compared with the excellent critical illness insurance on the market!
Dear seniors have helped you sort out this red list of critical illness insurance, so you can learn about it:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
I have already shown you the key parts, and I originally planned not to say anything more, but in the following article, I accidentally found that the critical illness insurance G jointly optimized by Fosun has this shortcoming!
Second, I was disappointed to see the defects of Fosun's joint optimization of critical illness insurance G!
Speaking of the hidden shortcomings of Fosun's joint optimization of critical illness insurance G, it really needs to be improved.
That is, the waiting period is as long as 180 days. Compared with the same type of critical illness insurance on the market, such as this Kanghuibao flagship version 2.0, its waiting period is only 90 days.
Comparatively speaking, Fosun's joint optimization of critical illness insurance G needs further progress.
After all, if the relevant diseases are diagnosed during the waiting period, the insurance company has the right not to claim compensation from the insured and to refund the premium at most.
Therefore, the setting of Fosun United Health Insurance in this respect is not from the perspective of the insured!
Because of the time, let's analyze so much today. Want to know more about Fosun's small partners who jointly choose G-type critical illness insurance, please poke here:
"Is Fosun's joint optimization of critical illness insurance G worth buying? I advise you not to rush for success! 》
Third, the summary of the senior sister
On the whole, the cost performance ratio of Fosun's joint optimization of critical illness insurance G is still relatively high. Covers the protection of the heaviest and lightest diseases, and the protection content is very comprehensive. In addition, the proportion of compensation for mild illness is 30% of the basic insured amount, and the proportion of compensation for moderate illness is 60% of the basic insured amount. It can be seen that the compensation for mild and moderate diseases is also relatively strong.
So if it meets everyone's safety needs, it is still worth buying.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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