After all, there is no way to predict risks, so in order to get more comprehensive protection for themselves, most people will choose to buy insurance to transfer risks.
Do people in their forties need to buy critical illness insurance? What should I pay attention to when buying critical illness insurance? Senior, let me tell you!
I want to know if I can buy Lekang Yisheng 202 1 critical illness insurance in my forties. Brothers poke here:
"Le Kang life 202 1 comprehensive evaluation of critical illness insurance, pay attention to these three points! 》
Since so many fans have the need to buy critical illness insurance, Senior Sister also gave Le Kang the most comprehensive product evaluation of Lifetime 202 1 Critical illness insurance today. Don't miss it!
1. Le Kang Lifelong 202 1 Is critical illness insurance suitable for people in their forties?
Following the insurance regulations of Le Kang Lifelong 202 1 Critical Illness Insurance, we know that its insurance age ranges from 28 days of birth to 60 years old, with friends in their forties. In other words, this product is made for people in their forties, as shown in the figure:
However, it is common for people in their forties to have some minor physical problems. At this time, insurance companies will have more health requirements for such people. For example, the insurance company will ask the insured about the medical history of diabetes and hypertension.
Tell the truth when asked about the health information of the insurance company, and don't tell if you don't ask.
Please see the figure below for some health instructions of Le Kang Lifelong 202 1 Critical Illness Insurance. Friends in their forties can know in advance:
If you want to be more calm when completing the health notification of the insurance company, friends may wish to master the following tricks:
What are the tips for health notification when applying for insurance? 》
The above contents can only be said to be the entry threshold of Le Kang Lifetime 202 1 Critical Illness Insurance. Friends in their forties focus on the protection of others. I'll give you a good evaluation when they have time. Please see below ~
2. What is the critical illness insurance content of Le Kang Lifelong 202 1?
As before, let's sort out the protection essence map of Le Kang Lifelong 202 1 Critical Illness Insurance for everyone:
As shown in the figure, the protection content of Le Kang Yisheng 202 1 critical illness insurance products is still very good. It also includes three basic guarantees: serious illness, moderate illness and mild illness, as well as additional compensation for malignant tumors and specific cardiovascular and cerebrovascular diseases. On the whole, the content of protection is relatively comprehensive, so we will analyze it one by one:
1, with high security.
The following is the strength of Lekang Yisheng 202 1 critical illness insurance in protecting compensation: the maximum coverage of critical illness can reach 150%, and the maximum coverage of moderate illness can reach 60%; For mild diseases, up to 30% coverage can be provided.
From this combination alone, compared with the same type of products with the highest compensation 100% for serious illness, 50% for moderate serious illness, and 20% for mild serious illness, in fact, the protection of life-long 202 1 serious illness insurance in Le Kang is excellent.
2. The payment term is flexible and optional.
Leisure life 202 1 critical illness insurance can be paid in 5/1015/20/30 years. You can choose according to your own economic situation.
If the budget is sufficient, the premium can be paid in one lump sum or directly; If everyone's budget is not enough, senior sister suggests giving priority to 30-year payment, because the longer the payment period, the less the annual premium, and the greater the possibility of triggering the premium-free service.
Premium exemption means that the insured can be exempted from the premium for the following periods if he is determined to have mild, moderate and severe diseases stipulated in the contract.
If Le Kang Lifetime 202 1 Critical Illness Insurance is purchased, the payment period is 30 years. For example, in the tenth year, the premium of 3000 yuan was paid every year before, so the premium for the next 20 years will not be paid, saving 60 thousand yuan directly. Isn't that great?
Then, all the evaluation contents of Le Kang Lifetime 202 1 critical illness insurance have been written on it. Let's take a look at the advice given by senior sister!
Third, the summary of the senior sister
Generally speaking, 40 years old is within the insured age range of Le Kang Lifetime 202 1 critical illness insurance. From this point of view, this insurance is also a good choice for friends in their forties, and the protection of this product is more comprehensive, and there are more choices of payment years. Even if customers have different budgets, they can meet their needs to a certain extent, and the cost performance is quite high, which is worth buying.
Of course, if a guy in his 40 s doesn't want this product, here is a list, and you can continue to choose the one that suits you best:
"Recommend to you about 40 years old, the top ten critical illness insurance stocks with good quality and low price! 》
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!