The following sister will give you an in-depth evaluation! The following article can help you get familiar with Prudential Life Insurance in advance. Friends who don't know, come and see:
"Prudential and reliable? I'm a little hesitant to finish these products ... "
1. What is the protection of Xincheng Anxin Insurance Plan?
You can first study the protection map of prudential peace of mind insurance plan:
As can be seen from the figure, prudential comfort insurance plan covers four products, namely prudential Wellcome critical illness insurance (sincere version), prudential comfort critical illness insurance, prudential comfort long-term medical insurance (adjustable rate) and prudential comfort special medical insurance (full version). Next, let me tell you something.
1. Xincheng Wellcome critical illness insurance (sincere version)
CITIC Prudential Wellcome Critical Illness Insurance (Sincere Edition) is a life-long guarantee product, giving people aged 18-65 the opportunity to insure.
Most notably, it has set up insurance premiums for specific complications of diabetes. As long as the insured is diagnosed with diabetes for the first time before the age of 75, and after a waiting period, there are complications stipulated in the contract, the insurance company can pay the basic insurance premium.
In other words, the insured can get more money to treat diseases.
However, CITIC Prudential Wellcome Critical Illness Insurance (Sincere Edition) has very strict conditions for additional compensation for serious illness, requiring the insured to get additional insurance money only if he suffers from serious illness for the first time from the second policy year to the eleventh policy anniversary.
But now there are many products on the market that have critical illness insurance products before a certain age. In fact, this will help the insured enjoy extra compensation for a longer period of time.
For example, Versailles aggravated illness insurance allows people under the age of 64 to enjoy additional compensation for serious illness, and in addition, they can get 80% additional compensation for serious illness.
Friends who are interested in Versailles plus critical illness insurance can go to this article to see:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Prudential Huicheng Critical Illness Insurance
The essence of Xincheng Huicheng's critical illness insurance is a regular product with four guarantee periods-65/70/75/80 years old.
It has no complicated coverage, and only provides several responsibilities such as mild illness, moderate illness, severe illness, death/total disability and so on.
Among them, the disease compensation ratio of this product is low, which needs more attention, only reaching 50%.
At present, the proportion of critical illness insurance to China's disease is 50%-60%, and many critical illness insurance products can reach 60%. Some products even include extra compensation for China's disease.
Even though CITIC Prudential and Prudential's critical illness insurance are within the scope of compensation for chronic diseases, they have not yet reached a relatively excellent level.
However, friends should not underestimate this 10%. If you insure 500,000 yuan, there will be a gap of 50,000 yuan, which is not a small sum for a person who is in urgent need of treatment fees.
3. CITIC Prudential Comfortable Long-term Medical Insurance (adjustable rate)
CITIC Prudential Comfortable Long-term Medical Insurance (adjustable rate) allows people aged 30 days to 60 years to apply for insurance, which can guarantee 1 year.
The advantage of this product is that it can be guaranteed for 20 years.
In other words, in a fixed period of time, regardless of the situation of the insured, the insurance company will continue to underwrite this unconditionally.
But I want to remind you that this insurance has a waiting period of 90 days, which is relatively long. If the diagnosed disease meets the contract within the hesitation period, the insurance company will not bear this responsibility, so in the view of the insured, the shorter the waiting period, the better.
At present, the waiting period of some medical insurance products on the market is only set at 30 days. In contrast, the comfortable long-term medical insurance (adjustable rate) is not very humanized for the insured.
4. Xincheng Anxin Special Medical Insurance (full version)
The coverage period of CITIC Prudential Anxin Special Medicine Medical Insurance (full version) is only 1 year.
This product still has many features, such as the insurance premium for cellular immunotherapy drugs and proton heavy ion medical expenses.
It should be understood that cellular immunotherapy and proton heavy ions are both effective means to treat tumors, but unfortunately their treatment costs are staggering. Take proton heavy ion as an example, a course of treatment can be counted as hundreds of thousands, which cannot be borne by poor family conditions, but if these two guarantees are provided, it may play a great role when the insured is diagnosed as a tumor.
Due to the limited space, the introduction of these four products by Senior Sister will stop here first, and there are some other aspects that you can learn about through this article:
Is the protection of Xincheng Anxin Insurance Plan really comprehensive? You will know after reading it! 》
Second, the senior summary
Overall, the price/performance ratio of Xincheng Anxin Insurance Plan is not very high. For example, CITIC Prudential Wellcome critical illness insurance (sincere version) has a comprehensive coverage, but the compensation for minor illness is not very strong. In addition, the guarantee period of Xincheng Anxin special medicine medical insurance (full version) is only 1 year, and it is not guaranteed to renew the insurance, so it is impossible to give the insured long-term and stable protection.
So, on the whole, it is not worth buying.
Write it at the end
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