What are the advantages and disadvantages of 1. Bodhi Pratt & Whitney Edition?
Before it is too late, let's look at a wave of information maps to deepen our understanding of the critical illness insurance of Bodhi Pratt & Whitney Edition:
As shown in the figure, the basic guarantee items of this product are complete. What are the advantages and disadvantages? Let's analyze a wave for everyone.
superiority
1. Insurance age relaxed
Friends who know about critical illness insurance know that it has many restrictive conditions, especially age. The highest age of most critical illness insurance is 55 or 60 years old. After this age, it is not easy to buy critical illness insurance.
Huaxia Bodhi Pratt & Whitney Edition really relaxed the age limit for insurance, and the upper limit was extended to 65 years old. You know, some people are not within the protection age of critical illness insurance when they buy products. In this case, the premium will increase, and the cost performance is really low. People over the age of 60 can take Bodhi Pratt & Whitney Insurance home without increasing the premium, which is very cost-effective.
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 has an extra payment of 50% of the insured amount for consumers, as long as it meets the two conditions of the first serious illness in the first ten years and before the age of 60 in the policy.
Suppose Lao Zhao got a serious illness at the age of 59, which happened in the first ten years of the policy. He bought a Bodhi Pratt & Whitney version of the critical illness insurance with a coverage of 500,000, so he can get a compensation of 750,000 at once. This money is basically enough to pay for the basic treatment of major diseases.
3. Hospitalization care allowance
Bodhi Pratt & Whitney Edition has prepared hospitalization allowance for consumers, which is really thoughtful. If the insured does not suffer from serious illness stipulated in the insurance contract before the age of 60, he can get hospitalization allowance after the age of 60. The compensation method is 0. 1% insured amount * hospitalization days, and the maximum compensation is three months (90 days) per year until the amount of hospitalization nursing allowance provided during the guarantee period is equal to the basic insured amount.
After being hospitalized for a long time, even if there is a little savings at home, it can't stand the consumption bit by bit. Moreover, the living expenses at home are also an expense, so the hospitalization allowance is really helpful and practical.
disadvantaged
1. Insufficient protection for mild and moderate diseases.
As far as the mild illness protection of this product is concerned, it is not too bad. If compared with other products on the market, there are still shortcomings.
The middle illness insurance can be two compensation opportunities, and the compensation amount is half of the insured amount. Some serious illness insurance can cover 60% of the insured amount, and there are extra payments for minor illnesses, so that consumers can get more compensation.
In view of the shortcomings of the Bodhi Tree Pratt & Whitney Edition, because the space will not be expanded one by one, if you want to find interested friends, you can look at the following:
Can I buy the Pratt & Whitney version of Huaxia Bodhi Tree? Can you accept these two shortcomings?
Second, is the Bodhi Pratt & Whitney Edition worth buying?
The guarantee content of Bodhi Pratt & Whitney Edition is actually very good. There are basic guarantees such as serious illness and mild illness, as well as special guarantees and hospitalization care allowances. The cost performance is really good.
Critical illness insurance is not only an extra payment of 50% of the insured amount, but also a guarantee that 100 kinds of critical illness are divided into 6 groups and 6 times, which greatly improves the probability of the insured being compensated.
Moreover, the Bodhi Pratt & Whitney Edition specifically protects cancer, and the cancer is grouped separately, which means that we also have compensation for cancer, and we are not afraid that this high-incidence and high-recurrence disease will have a blank period of protection.
If you are not clear about grouping, you must read this article more, otherwise the insurance company will play tricks on you:
Can critical illness insurance be grouped? This is very important!
If you are interested in multiple payments of critical illness insurance underwritten by big brands, and pay more attention to high security and high cost performance, this model is still worth considering!
If you want to see more similar critical illness insurance products, don't miss these good products:
Ten affordable critical illness insurance is open!
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