Today, senior sister gives you an evaluation! Anxious friends can collect this evaluation article first:
What is the price/performance ratio of "Fude Life" Mantianxing 202 1? Read this article before buying! 》
First, I didn't feel much after reading the guarantee content of Mantianxing 202 1. ...
In other words, let's take a look at the product diagram of Mantianxing 202 1:
Countless safety contents are about the starry sky 202 1, just like the stars in the sky, countless, and then I will tell you:
The biggest feature of this Mantianxing 202 1 product is the high compensation ratio of serious illness and mild illness. Serious illness shall be paid at 100% of the insured amount. If a serious illness is found in the previous 15 years, an extra premium will be paid at 100%. In other words, all three serious diseases can be paid according to 200% of the insured amount.
For example, a 500,000-insured Mantianxing 202 1 was bought by 30-year-old Xiao Liu, who was unfortunately diagnosed with a serious illness the following year.
In this case, Xiao not only received 500,000 basic serious illness compensation, but also received 500,000 special care fund for major diseases. Finally, this 6.5438+0 million is enough to make up for the economic losses caused by this major disease. Isn't it attractive ~
Whether it smells good or not can only be known by comparison. Let's take a look at this critical illness insurance comparison table:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
Unfortunately, the following are the shortcomings of the serious illness insurance of Mantianxing 202 1 dug up by the senior sister. Please be careful when reading!
Mantianxing 202 1 has these disadvantages:
1, with a narrow age range
The insurance age of Mantianxing 202 1 is mainly from the 25th day of birth to 55 years old. Some people don't know much about the market, and may mistakenly think that new seniors are questioning others here, then you are wrong!
Some critical illness insurance products can be insured at the age of 65. Compared with this, Mantianxing 202 1 is not thoughtful, which obviously shows that it does not pay enough attention to people aged 55-65.
You should know that it is not so easy for people in this age group (55-65 years old) to have a critical illness insurance, probably because they have physical problems and the insurance company does not accept insurance.
Think about it, if you just turned 56 this year and your health is fine, you will be told that there is no hope, because you are over 56 years old and people will not let you in!
2. The interval between serious illness compensation is long.
Mantianxing 202 1 Critical illness insurance has three claims, which are not grouped. This is basically a good thing. We are no longer worried about "losing a serious illness and getting a serious illness again" ~
However, the product is not humanized in the interval setting of serious illness compensation. The second payment should be three years apart, which can be said to be a long time!
For the same type of critical illness insurance that does not pay multiple payments in groups, the shortest interval is 1 year, which many people think is too long. On the other hand, the critical illness insurance range of Mantianxing 202 1 is particularly inhuman, and the senior sister is speechless. ......
The product analysis of Mantianxing 202 1 is all here. The following senior gives you the insurance advice you want, recommended reading ~
Second, is the +0 value of Mantianxing 20265438 worth buying? You can refer to this insurance standard ~
Compared with Mantianxing 202 1, if you want to buy excellent critical illness insurance, you should focus on the following parts:
1. Are the insurance rules loose?
Insurance rules generally include the following aspects: insurance age, guarantee period, payment period and waiting period.
Regarding the age of insurance, it is true that the larger the scope, the better. It can meet the insurance needs of more groups, as well as the choice of guarantee period. The more types you can choose, the more benefits you will bring, instead of just a lifetime guarantee like Mantianxing 202 1.
2. Whether the safety content is fully in place.
There are two kinds of protection for critical illness insurance: compulsory protection and optional protection. For what must be provided, friends may have mastered the relevant information, generally including the protection of serious illness, moderate illness and death.
The first thing to pay attention to is optional protection. Does this product provide multiple compensation for patients with cancer, cardiovascular and cerebrovascular diseases, etc.
Of course, in addition to the two points mentioned above, these characteristics are also needed for a satisfactory critical illness insurance. Senior sister has arranged it for everyone. The following is an article summarized by Senior Sister. If you have time, put your fingers away:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
To sum up, Fude Life Life Mantianxing 202 1 Critical illness insurance is not ideal. Senior sister suggests that you shop around first and then choose the best. This is the right insurance step!
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.
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