So today, Senior Sister will take you to see if this product is really that good. Anxious friends can get information in advance through this article: Lujiazui Guotai Meixin Worry-Free Critical Care Insurance actually has these pits. ...
Before the official start, let's take a look at the product map of Maxim's carefree critical illness insurance:
As can be seen from the above figure, the protection content of this product includes mild illness protection, moderate illness protection and serious illness protection, covering almost every process of disease development.
In addition, multiple compensation for malignant tumors and death protection are also covered by Maxim's worry-free critical illness insurance. Once the insured is unfortunately infected with a specific infectious disease agreed in the insurance contract and eventually dies, the insurance company will pay an additional 20% of the basic insurance amount.
In addition, Maxim's worry-free critical illness insurance also covers long-term care insurance, which is a rare guarantee in critical illness insurance.
Therefore, the comprehensiveness of Maxim's worry-free critical illness insurance is one of the best in critical illness insurance, and this product also has some shortcomings.
1, the proportion of extra compensation for serious illness is low.
At present, most insurance companies will set up an additional "extra compensation" for serious illness protection, taking into account the heavy family economic pressure of the insured before retirement.
Maxim's worry-free critical illness insurance also has this guarantee-if the insured is diagnosed with a major disease covered by the insurance product 10 years before the insurance, the insurance company will pay an extra 20% of the basic insurance amount according to the contract amount, which seems to be 120% of the basic insurance amount.
Take a closer look, the proportion of extra compensation is too stingy. At present, many critical illness insurance products in the critical illness insurance market can pay extra 50% and 60%, and some can pay extra 100% of the basic guarantee. We are familiar with Fosun United Insurance Company, their A Mu Tong 1.
If you want to know more about this product, you can take a look at the following evaluation, and the senior sister won't introduce it: these disadvantages of Fosun's joint "A Mu Tong 1" serious illness must be noted!
2. The conditions for multiple compensation for malignant tumors are harsh.
Maxim's cancer insurance is quite good. Pay up to 3 times, and the interval between two diagnoses is only 3 years. Moreover, the basic guarantee of 100% can be obtained whether it is a new malignant tumor, a recurrent or metastatic malignant tumor, or a malignant tumor that has not healed for 3 years.
However, one thing deserves our attention! All of the above are just to provide protection for the first time that a serious illness is diagnosed as a "malignant tumor"!
This means that the above situation applies only when the serious illness of the insured is "malignant tumor-severe" for the first time. If it is other serious illness for the first time, then after the insurance company pays the insurance money, the insurance contract is invalid, and the guarantee content inside is also invalid.
For example:
One year after Wang Mai bought Maxim's worry-free critical illness insurance, he was unfortunately diagnosed with acute myocardial infarction, reaching a severe degree. In this case, the insurance company will pay 100% of the basic insurance coverage.
Then three years later, Lao Wang was unfortunately diagnosed with a malignant tumor-severe disease. In this case, the insurance company will not pay any more, because at this time the insurance company has completed the agreed responsibilities and the contract has expired. In this way, Maxim's carefree and critical illness insurance is really a bit tasteless.
3. Long-term care insurance has many restrictions.
The most painful thing is not getting sick, but lying in bed for a long time because of illness. Therefore, many consumers now want to have a long-term care guarantee when purchasing critical illness insurance, and Maxim's worry-free critical illness insurance also has this guarantee.
But be careful! Long-term care insurance payment is not easy to get, as long as it is recognized that long-term care is needed during the insurance period, it cannot be paid.
Long-term care insurance can only be paid if the following conditions are met at the same time: the insured is 65 years old; Third-level hospitals or judicial authentication institutions recognized by both parties have initially determined that they meet the long-term nursing status.
To sum up, the coverage of Maxim's carefree critical illness insurance is indeed comprehensive. In addition to the basic protection for serious diseases and mild diseases, there is also protection for cancer in situ. However, in terms of protection, it is still not very good.
If you want products with higher performance-to-price ratio, more comprehensive protection and higher compensation ratio, Xuejie suggests to look at the following products again. After all, shop around: ten newly defined critical illness insurance rankings have just been released.
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