It is said that joining the star health promotion program is the biggest highlight of this product, that is, the insured insists on exercising every day, and after the exercise reaches a certain standard, he can apply for a maximum of 50% of the basic insurance amount.
Officials said that this plan has attracted the attention of many people who love sports. Senior sister found these problems in the star worry-free version. You must know!
Assuming that time can't catch up, please collect this newly released evaluation article of Star Worry-Free Star Motion Edition: "Star Worry-Free Star Motion Edition" has hit hard, and friends who want to buy it should pay attention! 》
Let's not talk about superfluous words. Next, let's take a walk to evaluate the star worry-free star version. Fasten your seat belt!
In the first step, Senior Sister presented the product drawing of Star Worry-Free Star Edition, which was compiled by Senior Sister after staying up late:
What are the highlights and shortcomings of Star Worry-Free Star Edition? The following seniors tell you directly:
First of all, analyze the advantages of star worry-free star edition.
The critical illness protection of this product covers 65,438+030 major diseases, including 28 specified in China Banking and Insurance Regulatory Commission, China, and 65,438+002 other diseases such as malignant tumor, cardiovascular disease, cranial nerve disease, internal and external organ diseases.
Want to know which diseases are specifically covered, the following link comes with it: "What diseases are covered by critical illness insurance? Don't buy these if you don't understand! 》
Worry-free Star Edition has too many wonderful places, the most wonderful thing is its star health promotion plan, which is added because of better health management!
It is clearly written in the contract: 36 months after the contract comes into effect, 8,000 steps a day, 22 days a month, and 2% of the basic insurance premium will be paid the next month. Continuous exercise can be accumulated and superimposed, and the basic insurance premium can be increased by up to 50%!
It is precisely because of this that the star worry-free version has attracted the love of many sports fans ~
Unfortunately, the benefits of this critical illness insurance are only a little, but I found a bunch of disadvantages. If you want to know more friends, just keep browsing ~
Second, the hidden problems of Star Worry-Free Edition
I'll show you the hidden tricks of the star worry-free edition:
1, the critical illness protection is not strong.
Star Worry-Free Star Edition covers 130 kinds of serious diseases, and there is no other compensation, but it can only pay 100% of the insured amount at one time.
As we all know, more single payment of critical illness insurance will set a certain percentage of extra compensation at a certain age. For example, if you are diagnosed with a serious illness before the age of 60, you can pay an additional 80% of the insured amount, which is realized by Versailles plus under Tongfang Global.
If you want to know more about this product, it is better to know it through the following evaluation article: "Versailles plus critical illness insurance has a rich return, so you must look at the in-depth evaluation before buying! 》
Senior, let me give you an example to explain. Suppose you buy 300,000 insurance coverage, Versailles plus will get an extra 240,000 when the insured is 60 years old, and finally get a claim of 540,000. Then compared with the star worry-free star version, you can only get 300 thousand compensation, but you can't get extra compensation.
The difference of 240 thousand at a time is definitely not a small sum, and it can really be used as the cost of treating serious diseases!
To sum up, Star Worry-Free Star Motion Edition has not done a good job in the protection of serious illness, and there is still a long way to go in the future!
2. The guarantee content is missing.
A critical illness insurance with sufficient coverage can not only ensure the implementation of basic protection clauses for mild, moderate and severe diseases, but also include multiple claims protection for specific diseases such as cancer and exemption protection for the insured.
However, the protection content of star worry-free star edition is only two kinds of protection, serious illness and death, which is obviously not very comprehensive ~
As far as mild diseases are concerned, the degree of mild diseases is lower than that of specific diseases and moderate diseases, so the relative threshold of claims will be lower, and the incidence of many mild diseases is also higher, such as cancer in situ, extremely early malignant tumors, mild acute myocardial infarction and so on.
Without minor illness protection in critical illness insurance, it is difficult to realize the concept of early onset and early treatment of diseases, which will also reduce the probability of insurance claims and be unfriendly to consumers.
After reading the evaluation content of the star worry-free version above, here are some suggestions for you to buy insurance ~
Third, suggestions for the insurance of worry-free star sports insurance ~
To sum up, Fosun Prudential's Worry-Free Star Motion Edition has a very general price/performance ratio, with insufficient main guarantee and incomplete guarantee content.
If you value the extra compensation and comprehensive protection, it is recommended not to choose this product.
Write it at the end
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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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