Then the following senior will evaluate the critical illness insurance of Fuai Carefree (A).
Before the evaluation, if you don't know much about Three Gorges Life Insurance Company, you can read this article:
The strength of Three Gorges Life Insurance Company appears! Is its product worth starting with? 》
First, the advantages and disadvantages analysis of Fuai carefree critical illness insurance!
Not much to say, senior sister goes directly to the product form diagram of Fuai carefree critical illness insurance:
Let's explain the advantages and disadvantages of this product:
1. Advantages of Fuai worry-free and critical illness insurance
(1) Extra compensation for serious illness
As can be seen from the figure, the critical illness protection of Fuai worry-free critical illness insurance is divided into two stages for payment. The first stage is that the patient is under 60 years old and suffers from serious illness for the first time, and can pay double the insured amount; In the second stage, if a serious illness is diagnosed after the age of 60, the insured can get 100% of the basic insurance amount as agreed.
In short, no matter whether you are seriously ill before or after the age of 60, you can get 100% coverage from the insurance company at most. Excuse me, is Fuai carefree critical illness insurance doing well in this respect?
However, knowing the benefits of Fuai carefree critical illness insurance, it also has many shortcomings.
2. Fuai's shortcomings of worry-free critical illness insurance
(1) Long waiting time
As can be seen from this picture, the waiting period of Fuai's carefree critical illness insurance is relatively long, which is 180 days. After reading this, senior sister felt sad.
For a simple example, if Lao Wang was insured with Fuai carefree critical illness insurance, he was unfortunately diagnosed with a major illness on the 9th1day. According to the contract, the insurance company can not make compensation at this time, but will only refund the premium paid by Lao Wang.
If the waiting period of critical illness insurance initiated by Lao Wang is only 90 days, assuming that you can get compensation after the diagnosis of critical illness, you can also reduce the economic burden brought by the disease to some extent.
It is estimated that some small partners still don't know much about the waiting period. Let's take a look at this dry goods:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
(2) The interval between secondary compensation for serious illness is long.
Fuai worry-free critical illness insurance can choose critical illness insurance to pay twice, and can pay 160% of the insured amount. Seeing this rule, seniors still feel quite good. Unexpectedly, if you want to get its second compensation for serious illness, you have to wait for three years at the longest!
Yes, my friends are not mistaken. It really takes three years!
Maybe you won't feel anything when you look at it like this. Senior to give you an example:
If Xiao Wang is diagnosed again on the 600th day after his first serious illness, and Xiao Wang is insured with Fuai's worry-free critical illness insurance, then I'm sorry, the insurance company will not settle the claim, because this is a three-year interval, but two years have not passed yet.
It can be seen that for the insured, the setting of Fuai carefree critical illness insurance is somewhat biased, because the interval between the second payment of critical illness insurance is really too long. How many seriously ill patients can wait like this?
Second, is Fuai carefree critical illness insurance worth buying?
On the whole, Fuai carefree critical illness insurance has many shortcomings. If you want to insure, you should still think carefully.
Finally, the senior suggested that if you want to buy critical illness insurance, you might as well learn more about some high-quality critical illness insurance products, starting with the best.
Here, senior sister has compiled an excellent list of critical illness insurance for everyone, and friends in need can refer to it:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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