The following sister will give you an in-depth evaluation! This article can help you get familiar with Kangrui Life Critical Illness Insurance 2022 in advance. If you don't know, let's take a look:
"Fude Life Life Kangrui Life Critical illness insurance protection? You didn't find these shortcomings! 》
Firstly, it analyzes the content of critical illness insurance of Kangrui Life Insurance.
As usual, let's take a look at the product protection map first:
From the analysis of the figure, Kangrui's life critical illness insurance covers not only mild, moderate and severe illness protection, but also death/total disability protection and insurance amount exemption. Not only that, but also two optional responsibilities, medical allowance for major diseases and care for major diseases, provide protection for consumers.
Just by the way, you may not know whether the guarantee of this product is excellent or not. Then the next senior will focus on taking your friends to understand Kangrui's lifelong critical illness insurance.
1, the guarantee period is too single.
Kangrui's critical illness insurance can only provide lifelong protection for the insured, but the senior sister is still a little disappointed. Even if lifetime insurance can give the insured more stable protection, there is no need to worry about renewal. However, the premium price of life insurance is usually higher than that of term insurance. For people with a small budget, the huge premium in whole life insurance may be a heavy burden for them.
At present, most products on the market contain flexible guarantee period, so that consumers can decide the guarantee period that best suits their own situation. Compared with these products, the guarantee period of Kangrui Life Insurance is too single.
2. The age limit of insurance is very strict.
As we all know, the older the insured, the greater the risk of serious illness. Therefore, some critical illness insurance sets a very relaxed age range in order to limit the probability of claims, just like Kangrui's lifelong critical illness insurance. It only allows people aged 0-55 to take out insurance. If the insured is over 55 years old, he is not eligible to insure the product.
At present, most of the critical illness insurance on the market is qualified insurance for people aged 0-60. In contrast, Kangrui's life is not considerate for people over 55!
In addition to the two points mentioned above, what other issues should be paid attention to when configuring critical illness insurance? If you are relatively interested in this, you can open the following article.
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
Second, Kangrui's life critical illness insurance actually has these shortcomings.
1, long-interval serious illness compensation
Even if Kangrui's life-long critical illness insurance can be paid up to three times, it is a bit inhumane to have a time interval before and after payment and at least one year. As we all know, once the insured suffers from a serious illness, the immunity of the body tends to decline, and the possibility of suffering from a serious illness again during this period is very high. Unfortunately, the interval between two serious illnesses is less than one year. Then the insured can't get the claim.
Although many critical illness insurances in the market have critical illness insurance coverage, these products set the coverage as 180 days in order to give the insured more adequate protection. Compared with other products, the interval between serious illness compensation of Kangrui Life Insurance is not short.
2. Malignant tumor lacks secondary compensation.
As we all know, the most terrible serious diseases include cancer. The mortality and recurrence rate of this disease are quite high. If the insured suffers from this disease, not only will his body be devastated, but the high cost of treatment will also bring great pressure to the whole family!
Therefore, in order to help the insured avoid the economic risks that need to be dealt with after the diagnosis of cancer, many critical illness insurances have set up the second compensation guarantee for cancer. In this way, once the necessary standard conditions are met, even if the insured suffers from cancer, he can get enough compensation. Unfortunately, such an important life guarantee for Conway cannot be provided to the insured.
Based on the above factors, Kangrui's life insurance content is not comprehensive and its cost performance is not high. It's not too late to look at the excellent critical illness insurance products on the market before insurance!
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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!