If you want to know this product quickly and comprehensively, you may wish to look at this evaluation directly: These shortcomings of Tongfang Global's "New Jian Kang Lifelong Type B" cannot be ignored!
1. Life-long B Guarantee Analysis of Tongfang Global New Jian Kang
Don't say so much, let's take a look at the safety content first!
Seeing the above picture, everyone should know that the new Jian Kang Life Insurance B is a critical illness insurance with a single payment. The coverage covers minor, moderate and severe diseases, and the death protection and exemption of the insured with minor and moderate diseases are also built in. Compared with other products on the market, it covers a wider age. Even if you are 60 years old, you still have a chance to insure. It's better for the elderly.
Next, let's analyze what this critical illness insurance is about with my senior!
1. Advantages Analysis of Tongfang Global Xinkangjian Yisheng B
(1) flexible payment period
It can be seen that compared with other products, the payment period of Tongfang Huanxin Kangjian Life B is very flexible, which provides a feasible payment period for people with different budgets. Moreover, we can choose a payment period of 30 years. When we choose the payment period, we try to choose a longer payment period, so that the premium exemption function is more likely to be triggered.
For example, Lao Wang chose the payment period of 30 years when he was insured, but in the fifth year, he was unfortunately diagnosed with moderate or mild illness, and the premium for the next 25 years was directly exempted. At this point, the original protection of the policy is still valid.
(2) cancer in situ is guaranteed
Cancer in situ should not be underestimated. It is a disease with high incidence and mild illness, which will develop into a serious malignant tumor. However, the release of the new regulations for serious illness has eliminated cancer in situ from mild illness, which has led to the elimination of cancer in situ protection in many serious illness insurances according to regulations, so the value of mild illness protection has also decreased a lot.
Fortunately, the mild illness protection of this Tongfang global new Kangjian Yisheng B is still included in the protection, which is very good!
2. Defects in Section B of Tongfang Global Xinkangjian Life Insurance
(1) single critical illness protection
Tongfang Global Xinkangjian only paid once for Type B serious illness, and no additional payment was set. It is important to know that most of the seriously ill products on the market now have additional compensation protection in terms of serious illness protection. For example, Ford Plus, a serious illness insurance product, can not only get 6 times compensation for serious illness, but also the highest additional compensation can reach 1.50%. If the insurance coverage is 500,000, the highest compensation can reach 1.25 million. This lever is really powerful.
In contrast, the critical illness insurance coverage of Tongfang Global Xinkangjian Life Insurance B is too simple, and there is no outstanding place if it competes with other critical illness insurance products.
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(2) Malignant tumor cannot be compensated.
According to the survey, the payout ratio of cancer is very high, accounting for more than 60% of serious diseases. Although the medical level is developing continuously, cancer is still everyone's nightmare, because its treatment cycle is very long, and cancer may recur, spread and metastasize.
There are many critical illness insurances in the market aiming at the above characteristics of cancer, and it is a very good setting to provide consumers with an optional secondary compensation for malignant tumors.
Tongfang Global Xinkangjian only has a single payment for type B serious illness, and there is also the option of not attaching a second payment for malignant tumor. This setting is really not comprehensive enough.
To sum up, Tongfang Global Xinkangjian Life Insurance B, as a critical illness insurance, is not well protected. Although it is guaranteed for mild, moderate and severe diseases, the multiple compensation for malignant tumors, cardiovascular and cerebrovascular diseases and other serious diseases is not included in its protection content, which is not outstanding compared with similar products.
What's more, its outdated intensive care insurance has been established. It doesn't matter that most of the current critical illness insurance has no extra payment, and some will have multiple payments. Generally speaking, Tongfang Global Xin Kangjian Yisheng B is a critical illness insurance product recommended by the Regulations.
Looking for other excellent critical illness insurance products, you can pay attention to the following list! The newly defined critical illness insurance is worth buying. These are the ten models!
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