1. Major disease protection: If the insured is diagnosed with major diseases including malignant tumors, cardiovascular and cerebrovascular diseases, and important organ diseases, the insurance company will pay certain insurance benefits.
2. Death protection: If the insured dies unfortunately during the insurance period, the insurance company will pay a certain amount of death insurance money.
3. Accumulation of cash value: A part of the insurance premium paid by the insured every year will be used for investment and a certain cash value will be accumulated.
Different insurance companies offer different options for the additional endowment assurance of critical illness insurance. Generally speaking, the main differences are as follows:
1. coverage: some insurance companies may break down the specific severity of diseases, and the specific coverage may be slightly different in combination with the insurance benefits and coverage.
2. Premium payment method: Some insurance companies can let the insured choose to pay the premium in one lump sum or in years, and also allow the insured to flexibly adjust the time of premium payment.
3. Dividends: Some insurance companies will offer higher dividends and interest rates, which is also an aspect that policyholders need to consider.
Generally speaking, the choice of critical illness insurance plus endowment assurance must be carefully compared and selected according to your own needs. Click to receive 1 insurance consulting service for free.
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