Is Jimei lifelong critical illness insurance really as good as rumors say? Let me give you a detailed evaluation!
If you are in a hurry, you can read this evaluation article first:
Is Caixin Life Ji Mei Life Critical Illness Insurance Worth Buying? Look at the product interpretation! 》
First of all, the contents of Ji Mei lifelong critical illness insurance are announced!
Before it's too late, let's take a look at the product form of Ji Mei lifelong critical illness insurance:
As can be seen from the figure, the life-long critical illness insurance in Ji Mei is particularly adequate, and the protection of major diseases is relatively comprehensive, which not only guarantees the basic protection of mild, moderate and severe diseases, but also provides corresponding protection for patients with mild illness before illness.
Next, the senior sister will give you a good analysis of the performance of this critical illness insurance from several angles.
1, reasonable waiting period
If the insured is not out of danger due to accidental injury during the waiting period, the insurance company may not compensate.
Most of the current critical illness insurance will have a waiting period of 90 days or 180 days.
Comparatively speaking, the 90-day waiting period can enable the insured to get the protection of critical illness insurance as soon as possible.
Therefore, Jimei's lifelong critical illness insurance has a waiting period of only 90 days, which is still relatively friendly to consumers.
If you only know a little about the waiting period, I suggest taking a look at this popular science, after all, it is related to claims:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. There is no additional compensation for mild and moderate diseases.
Ji Mei lifelong critical illness insurance pays 30% for mild diseases and 60% for moderate diseases.
In today's critical illness insurance market, this level of compensation is also very common.
Because many excellent critical illness insurances now provide extra compensation for mild and moderate diseases at a specific age.
For example, the additional critical illness insurance of Versailles, the first diagnosis of moderate/mild diseases before the age of 60, and the opportunity to get extra compensation of 15% of the basic insurance amount, and the critical illness insurance with extra compensation at a specific age can strengthen the protection of the critical period of life.
3, can only save lives.
In terms of coverage period, Jimei's lifelong critical illness insurance has only one choice, and it is impossible to flexibly choose the appropriate protection method, such as coverage until the age of 60 or 70.
Compared with other critical illness insurance with multiple coverage periods, life-long critical illness insurance in Ji Mei is not satisfactory.
Moreover, as we all know, the longer the guarantee period, the more expensive the premium.
In this way, if the budget is insufficient, there is no need to consider Jimei's lifelong critical illness insurance.
Second, is life-long critical illness insurance in Ji Mei worth starting?
In short, even if Jimei's lifelong critical illness insurance covers a large range and the waiting period is thoughtful, it is not so good in paying for mild and moderate diseases. At the same time, only life-long guarantee is set, which cannot meet the needs of consumers with insufficient budget.
And there are many excellent critical illness insurance on the market, such as these:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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