Next, the school sister will give you a glimpse of the Bodhi Pratt & Whitney version of critical illness insurance!
Presumably, many people are not familiar with the Pratt & Whitney version of Bodhi Tree. Let's take a look at this article first:
Is the Pratt & Whitney Edition of Huaxia Bodhi Tree worth buying? See if you can accept these shortcomings.
1. What are the advantages and disadvantages of HP Bodhi Tree Edition?
Without further ado, let's take a look at the infographic to learn about insurance products:
As shown in the above figure, this product covers all the basic protection items, so what are the advantages and disadvantages? Let's analyze a wave for everyone.
superiority
1. Insurance age relaxed
Friends who have learned about critical illness insurance should know that it has many special restrictions on age. More than half of the critical illness insurance is insured at the highest age of 55 or 60, and it is not easy to buy critical illness insurance after that.
Hui Hui's version of the Chinese Bodhi Tree has been delayed to 65, which is very loose. You know, some people buy products that are over the age of critical illness insurance, so they have to increase the premium, so the cost performance is not too high. It's really great that people over 60 can buy the Pratt & Whitney Bodhi Tree without increasing the premium.
2. Extra compensation for serious illness
HP version of Bodhi Tree, the amount of critical illness insurance payment is good. For the serious illness confirmed in the insurance contract, the insurance company will pay 100% of the insured amount. In fact, if you suffer from serious illness for the first time 10 years before the insurance, and you meet the requirements before the age of 60, you will also increase the extra compensation of 50% of the insured amount.
If Lao Zhao bought 500,000 insurance coverage and became seriously ill at the age of 59 (which happened within ten years before the policy), he could get 750,000 compensation. This money is basically enough to treat major diseases.
3. Hospitalization care allowance
The Pratt & Whitney version of Bodhi Tree includes consumer hospitalization allowance, that is, the insured has not suffered from serious illness stipulated in the insurance contract before the age of 60. After the age of 60, it will be subsidized by the insurance company and paid according to the method of 0. 1% insured amount * hospitalization days, with a maximum payment of 90 days per year. This responsibility will not be terminated until the amount of hospitalization care allowance paid during the guarantee period reaches the basic insurance amount.
After a long stay in hospital, even if there is still some savings at home, it can't stand the consumption bit by bit. In other words, the family also needs a sum of money to spend. At this time, the hospitalization allowance is very useful, and it is really good in practice.
disadvantaged
1. Insufficient protection for mild and moderate diseases.
This product's protection for mild and moderate diseases is very general, nothing particularly brilliant, not bad. Compared with other products on the market, there are still some shortcomings.
Pay 50% of the insured amount for intermediate diseases in two installments. Some critical illness insurance can reach 60% of the compensation for middle illness, and even some excellent critical illness insurance has extra compensation for mild and moderate diseases, so consumers can get more compensation.
Second, is the Bodhi Pratt & Whitney Edition worth buying?
This product Bodhi Pratt & Whitney Edition is actually quite good in terms of content protection. There are many basic guarantees such as serious illness and mild illness, as well as some special guarantees, such as hospitalization care allowance. From the perspective of cost performance, it is already quite high.
Critical illness protection is very prominent. After all, there is an extra payment of 50% of the insured amount. 100 kinds of serious diseases are divided into 6 groups and paid for 6 times, which greatly improves the probability of the insured being compensated.
Moreover, Bodhi Pratt & Whitney Edition has a very strong guarantee for cancer. Cancer is grouped separately, which means that we also have compensation for cancer. Therefore, when there is a guarantee gap for this disease with high incidence and high recurrence rate, we will not be afraid.
If you are not clear about grouping, you must read this article more, or you will know nothing when you step into the trap of insurance companies.
Is critical illness insurance good for a group or not? The key is to look at this!
If you want big brands to pay for critical illness insurance many times and are interested in high security and high cost performance, you can consider this one!
Want to see more similar critical illness insurance products, don't miss these good products!
The list of the top ten affordable and practical critical illness insurance is coming!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!