The following sister will give you an in-depth evaluation! The following article can help you get familiar with cancer prevention insurance in advance. If you don't know, let's take a look:
What is cancer insurance, how to buy it, which is good, comprehensive analysis, comparative evaluation.
1. What is the performance of Founder Life Insurance of Peking University for malignant tumor diseases?
As usual, let's first take a look at the protection map of malignant tumor disease insurance of Ai You You You (Silver Hair Edition):
The insurance conditions of Aiwuyou (Silver Hair Edition) malignant tumor disease insurance are easy to understand. You can know the insurance age, guarantee period, payment period and waiting period from the above picture.
It is worth analyzing that this product is aimed at consumers aged 50 to 80. This insurance age range is quite broad in cancer insurance and is very friendly to the elderly.
Next, seniors will focus on the basic guarantee of this product.
1, malignant tumor protection
After carefully reading the terms, Senior Sister found that the malignant tumor protection of Aiwuyou (Silver Hair Edition) Malignant Tumor Insurance is aimed at malignant tumors-severe and malignant tumors-mild.
In other words, if you unfortunately have a malignant tumor, the insured does not have to wait until the illness is extremely serious to get the insurance money; When the malignant tumor is mild, if it meets the claim conditions, then the insured will have the opportunity to get the corresponding insurance money, which will help to treat it as soon as possible and prevent the disease from getting worse.
But generally speaking, other products of the same type separate the protection of severe malignant tumors from the protection of mild malignant tumors.
Under normal circumstances, it is stipulated that the insured can get the basic insurance coverage of 100% for the first time to get the agreed malignant tumor-severe; If the insured suffers from the agreed "malignant tumor-mild" for the first time, he can get 30% of the basic insurance amount. Obviously, this setting has a stronger protective effect on malignant tumors.
2. Protection of cancer in situ
You can think of cancer in situ as a relatively early cancer. Generally speaking, it is not difficult to treat and the probability of cure is not small. If not treated in time, cancer in situ is likely to develop into cancer. In this case, the patient's life safety is in jeopardy.
Love Worry-Free (Silver Hair Edition) malignant tumor disease insurance is from this perspective, specifically adding cancer in-situ protection.
After analyzing the terms, we can know that if the insured is diagnosed with cancer in situ for the first time after the waiting period, the insurance company will compensate for cancer in situ according to 30% of the basic insurance amount.
Although the proportion of compensation is not considerable, with this guarantee, the insured can be encouraged to find and treat early to some extent.
At the same time, it is worth noting that if the original cancer insurance premium of Aiwuyou (silver-haired version) malignant tumor disease insurance is settled at one time, and secondly, during the subsequent renewal period, the insurance company will no longer pay claims.
3. Death protection
The death protection of Aiwuyou (Silver Hair Edition) malignant tumor disease insurance is easy to understand. If the insured dies unfortunately, the insurance company will pay the accumulated premium to the beneficiary during the insurance period of the insured's death according to the contract.
It is worth mentioning that death protection and malignant tumor protection are actually buy one get one free. After paying one of the insurance benefits, the insurance contract is invalid.
Space is limited. If you want to know more about Aiwuxou (Silver Hair Edition) malignant tumor disease insurance, you can poke another evaluation:
Is cancer insurance really the gospel of middle-aged and elderly people? 》
2. Is the malignant tumor disease insurance of Founder Life Insurance (Silver Hair Edition) of Peking University worth insuring?
On the whole, the cost-effectiveness ratio of Aiwuyou (Silver Hair Edition) malignant tumor disease insurance is not very high. The protection of severe malignant tumor and mild malignant tumor is not separated, and the protection of malignant tumor is not very strong. In addition, its payment cycle is only temporal and not flexible enough to meet everyone's diversified security needs.
Therefore, if you care more about friends in these places, it is not worth buying. It is best to choose critical illness insurance with more comprehensive protection and higher cost performance in the market:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
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