Today, senior students will analyze a wave of excellent critical illness insurance of Soochow Life Insurance-prosperity of Soochow!
Look at its advantages and disadvantages, good or bad configuration!
What standard should a good critical illness insurance meet? This article tells you the answer:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
1. What are the advantages of Wu Dongsheng Langkangshun (exclusive edition) critical illness insurance?
As usual, let's take a look at the product protection map first:
1, short waiting time.
The waiting period is also nicknamed the insurance exemption period. If there is an accident during this period, the insurance company will not agree to pay. It means you don't enjoy compensation.
Generally, the waiting period for long-term critical illness insurance is 90 days or 180 days.
In contrast, the 90-day setting will be more relaxed, so that the insured can be protected earlier.
Therefore, Wu Dong Shenglang Kangshun (exclusive edition) critical illness insurance specially sets the waiting period to 90 days, which is quite thoughtful for consumers!
2. Comprehensive basic guarantee
When critical illness insurance was first put on the shelves, only critical illness insurance was guaranteed.
With the rapid change of society, the product form of critical illness insurance has gradually changed. In order to improve the competitiveness of their products, various insurance companies have expanded the coverage of critical illness insurance. Originally, it was only a guarantee for serious diseases, but later it became a guarantee for serious diseases, mild diseases and moderate diseases.
This move is undoubtedly very beneficial to consumers, and the scope of protection has become larger, so the risk areas covered have also expanded a lot.
However, there are still serious illness insurance in the market that does not provide protection for mild and moderate diseases. In contrast, it is obvious that the critical illness insurance covers the protection of critical illness+medium illness+light illness, which is more worthy of consumers' configuration, and Soochow Shenglang Kangshun (exclusive edition) critical illness insurance just provides these protections, which is really great!
3. Provide triple compensation for malignant tumor.
Wu Dongsheng Langkangshun (exclusive edition) critical illness insurance includes multiple payments for cancer, and everyone can freely decide whether to buy it according to their own needs.
I still don't know how important it is to pay for cancer many times. Be sure to check the following set of data:
According to the data of JAMA Oncology, the top international cancer magazine in 20 17, the probability of secondary cancer in elderly cancer patients over 65 years old is 25.2%, and that in young patients is 1 1%.
An ordinary family may not be able to afford a cancer treatment, let alone two or three times, and the coverage of critical illness insurance of Wu Dongsheng Langkangshun (exclusive version) can include this protection, which will undoubtedly enable cancer patients to choose better medical conditions.
Second, what are the shortcomings of Wu Dongsheng Langkangshun (exclusive version) critical illness insurance?
1, short payment period
Wu Dongsheng Lang Kangshun (exclusive edition) critical illness insurance only sets 20 years as the longest payment period, which is very unfriendly to friends with insufficient budget.
In the case of a fixed amount of insurance, the longer the payment period, the cheaper the average annual premium paid.
But at present, the maximum payment period of critical illness insurance can reach 30 years, so the annual premium will not cause such a big burden to the insured!
2. Insufficient protection for mild diseases.
Wu Dongsheng Lang Kangshun (Xiangzhen Edition) has a minor illness compensation ratio of 25%, and the guarantee is relatively poor.
For the more popular critical illness insurance in the market, the basic compensation ratio for minor illness protection is 30%, and additional compensation can be given. Too thoughtful protection!
In addition, Wu Dong Sheng Lang Kang Shun (exclusive edition) critical illness insurance has a big defect! The space is relatively short, and the senior sister has arranged it in this article. Click the link to get it:
After reading the guarantee content of Wu Dong Sheng Lang Kang Shun Zhen Edition, I don't have one. ...
Third, the summary of the senior sister
From this evaluation, senior schoolmates found that the critical illness insurance of Wu Dongsheng Lang Kangshun (Xiang Zhen Edition) is not outstanding, and we should continue to work hard compared with the excellent critical illness insurance on the market.
Friends who want to take out critical illness insurance in the near future need not worry. Senior stayed up late to compile a list of critical illness insurance, which is exclusive to the whole network. Come and have a look:
"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;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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