Recently, many new products of critical illness insurance have appeared on the market, and many small partners are very concerned. Then the seniors will help you analyze the Bodhi Pratt & Whitney version of critical illness insurance today, which is a new product launched by Huaxia Insurance Company. I wonder if as a new product, it will have more highlights than the previous version. More adequate protection?
The following senior sister will lead you to learn more about this Bodhi Pratt & Whitney critical illness insurance!
What are the advantages and disadvantages of 1. Bodhi Pratt & Whitney Edition?
Cut the crap, in order to understand insurance products more intuitively, let's take a look at the infographic:
As can be seen from the above figure, basic security items can be found in this product. What are the good and bad places? Let's listen to the story of senior sister.
superiority
1. Insurance age relaxed
Partners who know something about critical illness insurance will also know that there are really many restrictions, especially age. The highest age of many critical illness insurance is 55 or 60, and it is not so easy for people over this age to buy critical illness insurance.
However, the Pratt & Whitney version of Huaxia Bodhi Tree is very loose in extending the insurance age to 65. You know, some people buy products beyond the age of critical illness insurance, so they have to raise the premium and reduce the cost performance. However, after the age of 60, the Pratt & Whitney version of Bodhi Tree does not increase the premium, giving consumers great discounts.
2. Extra compensation for serious illness
Bodhi Pratt & Whitney version of the critical illness protection compensation is still good. The insurance company will pay 100% of the insured amount for the serious illness in the insurance contract. Secondly, this product meets the two conditions of being seriously ill for the first time in the previous ten years and being 60 years old, and pays an extra 50% of the insured amount.
It means that someone bought a 50-insured Bodhi Pratt & Whitney version of critical illness insurance. Suppose he is unfortunately seriously ill at the age of 59 in the first ten years of the policy, then this person can get 750 thousand compensation at once. This money is enough to pay for the basic treatment of major diseases.
3. Hospitalization care allowance
Bodhi Pratt & Whitney Edition has also prepared a hospital care allowance. Assuming that the insured will be subsidized by the insurance company when he is hospitalized after the age of 60, it means that the insured has not suffered from major diseases stipulated in the insurance contract before the age of 60. Pay according to 0. 1% insured amount * hospitalization days, with a maximum of 90 days per year.
After a long stay in hospital, even if there is a little savings at home, it will be spent bit by bit. Besides, the living expenses at home will continue. At this time, the hospital care allowance is just a timely help, which is really good in practice.
disadvantaged
1. Insufficient protection for mild and moderate diseases.
Although the mild illness protection of this product conforms to the rules, it is not very bad. Compared with other products on the market, there are still some shortcomings.
Bodhi tree Pratt & Whitney edition, the proportion of sickness insurance payment is 50% of the insured amount, which can be paid in two times. However, some critical illness insurance has two aspects that allow consumers to get more compensation, including 60% coverage and additional compensation for minor illness.
In view of the disadvantages of Pratt & Whitney Bodhi Tree, I skipped it for space reasons. If you want to find the defects of insurance products, you have to read this article: Is the Pratt & Whitney version of Huaxia Bodhi Tree cost-effective? Can you accept these two loopholes?
Second, is the Bodhi Pratt & Whitney Edition worth buying?
This product of Bodhi Pratt & Whitney Edition is actually quite good in terms of guarantee content. There is no shortage of basic guarantees such as serious illness and mild illness, and there are also several guarantees such as special care and hospitalization nursing allowance. From the perspective of cost performance, it is still quite high.
In particular, the critical illness insurance not only has an extra payment of 50% of the insured amount, but also has 100 kinds of critical illness divided into 6 groups and 6 payments, which greatly improves the probability of the insured being compensated.
Moreover, Bodhi Pratt & Whitney Edition specifically protects cancer, and grouping cancer separately means that we also have compensation for cancer, so we will not be afraid when there is a blank period of protection for this disease with high incidence and high recurrence rate.
If you are not clear about grouping, you must read this article more, or you will know nothing when the insurance company plays tricks. Can critical illness insurance be grouped? This is very important!
If you pay more attention to the repeated payment of critical illness insurance underwritten by big brands, and don't want to miss the high guarantee and high cost performance, this is definitely a product that can't be missed!
If you want to know more about similar critical illness insurance products, Sister Xue has also prepared several very popular products recently! Top ten most cost-effective list of critical illness insurance!
Write it at the end
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