Want to see the evaluation results of this product first? Then don't miss this evaluation article:
"Want to take out insurance for the critical illness of Yong's family? I advise you to read it first! 》
First, the big secret of Jiafu Manying critical illness insurance protection!
Before the evaluation, let's take a look at the protection map of this product:
According to the picture, Jiafu Manying critical illness insurance covers people from 28 days of birth to 60 years old. It is a kind of critical illness insurance that can guarantee the life of the insured. In addition to mild illness, moderate illness and serious illness, there are other guarantees such as exemption of the insured. But also covers the rights and interests of policy pledged loans. Let's talk about the protection of this product!
1, flexible payment period
Jiafu Manying Critical Illness Insurance Company provides five optional payment years, which are batch payment, 5 years, 10 year, 20 years and 30 years in turn. The payment period is flexible, with a maximum payment of 30 years, allowing consumers with different needs to choose according to their own conditions.
If it is a small partner with a relatively small budget, it is recommended to choose a longer payment period, so that not only the annual premium expenditure is less, but also the payment burden can be lighter. There is a greater chance of triggering the exemption of the insured, so that the later premium is irrelevant, but it can still be guaranteed by this insurance.
2.6 1 year-old has a high proportion of payment for mild and moderate diseases.
From the protection chart, it can be found that the proportion of the 6 1 year-old insured before the first policy anniversary (excluding) is different from that of the 6 1 year-old insured after the first policy anniversary (including). 6 1 before the first policy anniversary (excluding), the proportion of payment for chronic diseases is 60% of the basic insurance amount, and that for mild diseases is 30% of the basic insurance amount.
Little friends need to know that the critical illness insurance with excellent performance in the market has only 30% basic guarantee and 60% basic guarantee in setting the proportion of compensation for mild and moderate diseases. It can be seen that the proportion of compensation for mild and moderate diseases is quite strong before the insured reaches the first policy anniversary date of 6 1 year old (excluding).
Besides the above, what is the standard of good critical illness insurance? If you want to know, look at this article and you will know:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
Second, buyers must see these points clearly before purchasing critical illness insurance!
1, long waiting period
The exemption period and observation period of an insurance company are the waiting period. Once the insured is in danger due to reasons other than accidents during the waiting period, the insurance company does not need to pay compensation. Therefore, for the insured, the shorter the waiting period, the more favorable it is for the insured to enjoy the protection. The waiting period of critical illness insurance in the market mainly provides 90 days and 180 days, with 90 days being excellent.
The waiting period of Jiafu Manying's critical illness insurance has reached 180 days, which is relatively long. It takes a long time for the insured to get full protection, which is not very friendly to the insured.
2. No malignant tumor-severe multiple compensation
In essence, it is not difficult for us to see that Jiafu Manying critical illness insurance can not let the insured enjoy the malignant tumor-severe secondary compensation. We should know that malignant tumor-severe disease has the characteristics of high incidence, high recurrence rate and high treatment cost.
If Xiao Liu suffers from malignant tumor-severity three years after the initial diagnosis of malignant tumor-severity agreed in the contract, then the insurance company is not responsible for the second malignant tumor-severity.
Malignant tumor-severe recurrence related treatment costs are all at their own expense. The treatment of a serious illness needs at least 65,438+10,000 yuan, or hundreds of thousands or even millions. Therefore, Jiafu Manying's critical illness insurance has failed to protect malignant tumors many times, which is not intimate enough.
To sum up, Jiafu Manying critical illness insurance covers the bright spots such as flexible payment period, but it also has some shortcomings such as long waiting period and not covering multiple compensation for malignant tumor and severe illness. Friends can compare and see other excellent critical illness insurance, and then choose the appropriate insurance.
If you don't know what critical illness insurance is worth buying, take a look at this list:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!