Then, sister Xue will tell you about this product ~
Before the formal evaluation, let's take a look at the popular critical illness insurance comparison table on the market and see where this product is:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
First, the advantages of Perfect Life Guardian 202 1 are open.
Not much to say, let's take a look at the protection content map first, and see what protection the perfect life guardian 202 1 has provided us:
As shown in the figure, we finally come to the conclusion that Perfect Life Guardian 202 1 contains the contents of extra compensation for serious illness, moderate illness, mild illness and special diseases of children and the elderly, and there are also guarantees for death/total disability, secondary compensation for malignant tumors and secondary compensation for specific cardiovascular and cerebrovascular diseases to choose from, and the protection contents can be said to be very sufficient. What are the advantages and disadvantages of this perfect life guardian 202 1?
Advantages:
1. The proportion of extra compensation for serious illness is high.
Perfect Life Guardian 202 1 provides protection for 1 10 kinds of serious diseases, and the compensation amount is 100% of the basic insurance amount. If the insured is diagnosed with a major disease agreed in the contract for the first time before the age of 60, he can pay an additional 80% of the basic insurance amount, which is equivalent to the highest payment 180% of the basic insurance amount. If you buy 500,000 insured amount, you can get 900,000 claims, which is almost twice the insured amount. It smells good!
Usually before the age of 60, it is the golden age of our lives, and at the same time, family responsibilities are heavier, so we should really protect them more comprehensively. If you are seriously ill, you have to pay for it yourself, but the source of income is gone, and the family will have a heavy burden. If the compensation ratio is high, there will be more money to choose better treatment methods, and economic losses can also be effectively compensated, which can reduce the blow to the family economy.
2. The proportion of compensation for mild and moderate diseases is extremely high.
Perfect Life Guardian 202 1 has been paid twice, and the payment ratio reaches 60%. It also provides protection for 25 serious diseases. Under the age of 60, those who suffer from China's disease for the first time can enjoy the extra compensation of 65438+ 05% of the basic guarantee, that is to say, those who are diagnosed with China's disease before the age of 60 can get the maximum compensation of 75% of the basic guarantee.
You can pay 4 times, and the payment ratio is 30%. This is the promise of Perfect Life Guardian 202 1 to 55 kinds of mild diseases. For mild diseases first diagnosed before the age of 60, additional compensation of 10% of the basic insurance amount can be obtained. In other words, the maximum payment before the age of 60 is 40% of the basic insurance amount.
Perfect Life Guardian 202 1 Compared with the same kind of goods on the market, the compensation ratio of moderate and mild diseases is very high.
Mild and moderate diseases are not minor ailments and pains, but relative to severe diseases. Of course, there are also some moderate and mild diseases. Although the cost of treatment for serious diseases is high, the cost of treatment ranges from tens of thousands to tens of thousands of 200 thousand, which is not a small sum. A higher compensation ratio will bring more treatment funds and reduce the probability of turning it into a major disease.
3. There are children's diseases and old people's diseases.
Perfect life guards 202 1 guarantee 10 kinds of special diseases of children, namely leukemia, major organ transplantation or hematopoietic stem cell transplantation, severe encephalitis sequela's disease or sequelae of severe meningitis, severe aplastic anemia, infective endocarditis, severe systemic myasthenia gravis, severe juvenile rheumatoid arthritis, mental retardation caused by disease or trauma, severe hand-foot-mouth disease and severe Kawasaki disease. These serious diseases are common among children.
As long as the insured is diagnosed as one of 10 special diseases of children before 18 years old, he can enjoy 80% of the basic insurance premium, plus 80% of the basic insurance premium for serious illness before100 years old and 80% of the basic insurance premium for serious illness before 60 years old, and he can pay 260% of the basic insurance premium at most, which is actually equivalent.
In addition to the above, this product named Perfect Life Guardian 202 1 also provides additional compensation for special diseases of the elderly. If the insured is diagnosed with severe Alzheimer's disease or severe primary Parkinson's disease for the first time after the age of 60 (inclusive), he can get an additional 80% of the basic guarantee, which means there is a way to get 180% of the basic guarantee, which, to a certain extent,
4. The proportion of secondary compensation for high incidence and serious illness is high.
Defender of Perfect Life 202 1 Additional second compensation for malignant tumor and specific cardiovascular and cerebrovascular diseases, the insured can choose independently. No matter whether malignant tumor or specific cardiovascular and cerebrovascular diseases are diagnosed for the first time, 150% of the basic insured amount can be paid as long as the interval passes.
Many people may not know that the recurrence rate and metastasis rate of malignant tumors and specific cardiovascular and cerebrovascular diseases are higher than other diseases. Only when the proportion of compensation is high will the money you get be high and you will be more confident to overcome the disease.
Second, the perfect life guardian 202 1 Is it really worth buying?
1. Disadvantages: the maximum coverage is limited.
The most important thing to buy critical illness insurance is the share of insurance coverage. More insurance coverage can make more claims. Of course, the premium will be high only if the insured amount is high.
Perfect Life Guardian 202 1 The maximum guarantee can only buy 460,000, more than 500,000, 700,000 and so on. For other critical illness insurance, senior sister does not recommend people who want to get high coverage to buy this kind of critical illness insurance.
But in fact, there is no need to put all your eggs in one basket when buying critical illness insurance. If you want to buy a fixed amount of insurance, you can choose two or three critical illness insurance, and the coverage and terms of different critical illness insurance will be different. It can be said that such protection is available in all aspects. You can refresh the new version of a perfect life guard 202 1, and then match it with one or two other critical illness insurances, and the effect will be better.
Perfect Life Guardian 202 1 is not only bad at this point, but also hides a "fatal" defect, which must be read before buying:
Online, it is said that Xintai Perfect Life Guardian is good. Is it true?/You don't say. 》
2. Is it worth buying?
Through the analysis and evaluation of the advantages and disadvantages of Perfect Life Guardian 202 1, we can see that the disadvantages of this product are not obvious, but the advantages are just the opposite. The protection content of Perfect Life Guardian 202 1 is also high, which is a prominent critical illness insurance.
Generally speaking, if we mainly focus on the protection of children's specific serious diseases and the elderly's specific serious diseases, the perfect life guardian 202 1 is a good choice.
Of course, if you think that only considering this product can't satisfy your choice, you can choose other better critical illness insurance products on the market. The following is a list of critical illness insurance that I share with you. Interested parties can have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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