In the basic security content, there is little difference between the perfect life guardian hero version and the old version, which is mainly reflected in increasing the higher insurance coverage of serious illness compensation; Among the optional protections, special care for death and HIV protection for specific occupations have been added.
1. Major disease protection
1 10 is a serious disease, which is divided into 6 groups and paid in increments of 6 times. 100%, 120%, 140%, 160% and/kloc of the insured amount are paid in turn. Serious illness can get 200% insurance coverage, and the insurance coverage of incremental compensation is leveraged.
2. Early cancer pays an extra 3 times.
Early cancer is also commonly known as very early malignant lesions, and the hero version of Perfect Life Guardian is consistent with the exclusive version. Perfect Life Guardian Hero Edition and Premium Edition will triple the payment for early cancer, which is an extra payment and will not occupy the number of minor cases.
In some products on the market, multiple payments for early cancer will take up the number of small claims, so once multiple payments are made for early cancer, small claims are likely to fail.
3. The second payment for cancer (additional)
Perfect life guardian hero version of cancer secondary compensation terms are the same as mainstream products. The second payment for cancer, including new occurrence, recurrence, metastasis and persistent state of cancer, has an interval of 3 years, and the insured amount is 120%.
4. Special care for death (optional)
According to the interval between the death of the insured after the first serious illness, different compensation ratios are divided, which are 20%, 40%, 60%, 80% and 100% respectively.
5. Protection against HIV infection in specific occupations (optional)
If you are a contracted occupation and are infected with HIV, you can get 150% insurance coverage; In addition, there are children's special diseases and endowment assurance's guarantee.
Comparative evaluation of popular overpayment of critical illness insurance;
Comparative conclusion:
After the upgrade of the exclusive edition, whether it is the second payment for cancer or the special death care fund, the perfect life guardian hero edition is a more practical guarantee. Hongkang's double illness insurance is almost the same as easy insurance, but it provides more protection for middle diseases, and the coverage for serious diseases and mild diseases is relatively high. Another disadvantage of Hongkangbeitimes is that when you are out of danger two years before the insurance policy, you only reimburse the actual treatment expenses without paying the basic insurance amount. But if you don't want to be limited to this, and want to know more about the products, you can refer to the latest product evaluation of Dad Bao official website and do more comparative analysis, and you will have different choices.