Before analyzing Kangrui's lifelong critical illness insurance, you can also look at its comparison with other popular critical illness insurance:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
Firstly, it reveals the contents of critical illness insurance of Kangrui Life Insurance.
Don't say so much, please see * * to browse this product form diagram of Kangrui lifelong critical illness insurance:
The Security Content of Kangrui Life Insurance critical illness insurance
As can be seen from the above figure, the coverage of life-long critical illness insurance of Kangrui is quite comprehensive, including minor illness protection, serious illness protection, death/disability/terminal illness protection, special care for cancer in situ and some optional responsibilities.
Even on the whole, there are many problems in it. Then, let's simply say a few words about Kangrui's critical illness insurance:
1. Intermediate disease only pays once.
Kangrui's life critical illness insurance only pays for the diseases of Chinese medicine once, and can pay up to five times. Most of the critical illness insurance on the market only pays twice.
This gap should not be underestimated, after all, no one can guarantee that he will not suffer from this disease. To tell the truth, Chinese medicine provides not only disease factors, but also a small part caused by sudden diseases. This is more abstract. Senior, let me analyze it with an example.
If the insurance coverage of Kangrui life critical illness insurance purchased by Lao Wang is 500,000, liver surgery is needed, and those who meet the claim conditions can get 300,000. However, a few years later, Lao Wang's house caught fire. Lao Wang was diagnosed as a third-degree burn, and the burned area of the dog god reached 15%, which required at least100000 treatment expenses. However, Kangrui's life-long critical illness insurance only set up a chance of serious illness, and Lao Wang did not have the chance to claim again this time. On the contrary, if Wang Mai Sr. took out a critical illness insurance with double payment for illness, the company would pay him.
2. The setting of triple compensation for malignant tumor is really not very brilliant.
Kangrui lifelong critical illness insurance includes three compensations for malignant tumors, which is one of its highlights, but frankly speaking, there is nothing unusual about the setting of three compensations for malignant tumors.
Why do you feel so-so? If you enjoy this guarantee, the major disease that occurred for the first time and was diagnosed is malignant tumor or the first group of other serious diseases happened to be not in the first group, then even if we attach this guarantee, if you are unfortunately diagnosed as malignant tumor-severe after 3 years, you will not get compensation.
Moreover, excellent critical illness insurance can not only get three times the compensation at the first diagnosis of serious illness and non-malignant tumor, but also the interval does not need to be as long as three years, as long as the interval is half a year. Excellent critical illness insurance claims need 180 days to be diagnosed, while Kangrui's lifelong critical illness insurance needs to wait three years to be diagnosed. I'm afraid there is no need to say anything about who has the advantage.
Some friends may feel that this guarantee is unnecessary. It doesn't matter whether this guarantee is good or not. If you have such an idea, Senior Sister strongly recommends that you read this article introducing multiple compensation for malignant tumors:
Is it necessary to attach "second compensation for cancer"? If you don't understand these points, be careful to spend money for nothing! 》
Second, is Kangrui's lifelong critical illness insurance worth buying?
On the whole, Kangrui's life critical illness insurance is average in cost performance and comprehensive in basic protection, but China's disease compensation is average, and the performance of cancer multi-compensation protection is also average, so it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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