The following sister will give you an in-depth evaluation!
Before the official evaluation of Le Worry-Free (exclusive edition) malignant tumor insurance, senior sister compiled a piece of information about Sino-Dutch life insurance. Interested friends can poke the following article to see:
"Is Sino-Dutch life reliable? With all due respect, whoever buys these products will suffer! 》
1. What does the malignant tumor insurance cover?
Straight to the point! Let's take a look at the protection map of Le Worry-Free (exclusive edition) malignant tumor insurance:
As can be seen from the above figure, the age range of Le Worry-Free (exclusive version) malignant tumor insurance is 46-70 years old, which is more suitable for middle-aged and elderly people. What are the advantages of this product? Let's analyze it from different angles!
1. Analysis of insurance conditions
After reading the above picture, you can see that Le Youyou (exclusive version) has set up a lifetime guarantee for malignant tumor insurance, which is quite good. After all, human cancer is directly related to factors such as age and physical function. The longer the guarantee period, the more satisfied the insured will be.
In addition, there are three options for the payment period of this product, namely, 5 years, 10 years and 20 years. Relatively speaking, the payment period of Le Youyou (exclusive version) malignant tumor insurance is not satisfactory, and there is a lack of payment; This is not enough to meet the needs of people who are unwilling to pay by installments when economic conditions permit.
One more thing is not good. The waiting period of Le Wu You (exclusive edition) malignant tumor insurance is 180 days.
It should be understood that the attractive products of the same type on the market only contain a waiting period of 90 days, and this product takes twice as long as this comparison; In addition, if the waiting period is too long, in case the insured goes out of danger during the waiting period, the insurance company will refund it roughly according to the cash value or the premium paid, and the insurance contract will be terminated.
Therefore, in the waiting period, the proposal of Le Wu You (exclusive edition) malignant tumor insurance should be adjusted.
2. Security content analysis
On the content of protection, Le Worry-Free (exclusive edition) malignant tumor disease insurance is divided into compulsory liability and optional liability.
The compulsory liability of this product mainly includes death/total disability insurance, malignant tumor-severe disability insurance and specific malignant tumor-severe disability additional insurance; And there is an optional responsibility, which is to cover malignant tumors-mild insurance and cancer in situ insurance.
I'm finished with Le Youyou (exclusive edition) malignant tumor insurance. If you want to know more about this product, please read this article:
"A big start! Is "Wu Leyou (exclusive edition) malignant tumor disease insurance" really worth buying? 》
Second, is Le Worry-Free (exclusive edition) malignant tumor disease insurance worth buying?
It can be observed from the above that the coverage of Le Youyou (exclusive edition) malignant tumor insurance is actually mainly formulated for the early and late stages of malignant tumors.
Judging from optional insurance, whether it is malignant tumor-mild insurance or in-situ cancer insurance, it is for early cancer preparation. If the insured suffers from malignant tumor-mild or carcinoma in situ for the first time before the age of 80 (excluding) and meets the conditions for claim settlement, the insurance company will pay 30% or 20% of the basic insurance amount respectively.
In this way, once the insured finds malignant tumor in early screening, he can also have great confidence to treat it as soon as possible.
Generally speaking, Le Worry-Free (exclusive edition) malignant tumor insurance is quite cost-effective, comprehensive and flexible in payment period, and it is worth buying.
Finally, for the small partners who pursue more comprehensive critical illness protection, the following article is worth referring to:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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