Before starting the evaluation, let's learn about the comparison between Taiping Fuluwa's lifelong critical illness insurance and popular children's critical illness insurance:
Comparison Table of Domestic Popular 136 Children's Critical Illness Insurance
First, the advantages and disadvantages of Taiping Fuluwa lifelong critical illness insurance!
In the same way, seniors act first, presenting the essence of Taiping Fuluwa's lifelong critical illness insurance:
Launched a Taiping Fuluwa lifelong critical illness insurance under Taiping Life Insurance. It is said that this critical illness insurance includes the characteristics of 170 high incidence of major diseases and 15 double payment for specific diseases.
Is it worth buying this product? We can see whether it is worthwhile from the pros and cons of Taiping Fuluowa's lifelong critical illness insurance.
& gt& gt Advantages: Adequate protection for specific diseases.
There are 15 specific diseases in Taiping Fuluwa's lifelong critical illness insurance. If a child's specific disease is diagnosed before the age of 25, the maximum amount of basic guarantee can be paid.
If you buy 500,000 insurance coverage, you can get up to 654.38+00,000 compensation once you are unfortunately suffering from a specific disease.
However, the senior was in a good mood, and she found that Taiping Fuluwa's lifelong critical illness insurance was not perfect. Learn more quickly and avoid being cheated!
& gt& gt disadvantages
1, extra compensation for serious illness.
For 120 kinds of major diseases, Taiping Fuluwa's lifelong critical illness insurance can be guaranteed in place, and only the basic guarantee and cash value of 100% of the critical illness diagnosis compensation, whichever is larger.
In recent ten years, the average growth rate of tumor incidence among children aged 0- 14 in China has reached 2.5%. In the order of children's death in China, malignant tumor has jumped to the second place after accidental injury death.
Therefore, there are excellent children's critical illness insurance on the market, such as the extra payment in the critical illness insurance protection. In contrast, Taiping Fuluwa's lifelong critical illness insurance is inferior!
2. The longest payment period is only 20 years.
The payment period of Taiping Fuluwa lifelong critical illness insurance is optional, 5/ 10/ 15/20 years.
There are many products of the same type on the market, and the payment period is 30 years. After comparison, it is found that Taiping Fuluwa lifelong critical illness insurance does not fully consider the insured!
After all, the longer the payment period, the more benefits. While enjoying the dividend brought by inflation, it can also reduce the economic burden of the insured, on the other hand, it can also exempt the premium.
This means that there is no need to pay the follow-up premium, but the protection is still effective. This is a warm-hearted thing!
This is the pros and cons of the content of Taiping Fuluwa's lifelong critical illness insurance. When the senior sister deeply discovered that Taiping Fuluwa's lifelong critical illness insurance still had this fatal defect, she was really speechless!
Second, the fatal flaw of Taiping Fuluwa's lifelong critical illness insurance cannot be tolerated!
To say that the fatal flaw of this life-long critical illness insurance for Taiping Fuluwa is the lack of protection for China's disease.
First of all, we need to know what Chinese medicine is. Simply put, it is a disease with moderate severity. For example, it is also a heart disease, which can be a serious illness, a mild illness or China's disease. The key is the severity of heart disease.
If the protection of critical illness insurance products includes the protection of middle illness, then if the insured is diagnosed as middle illness after the contract comes into effect, to a certain extent, the probability of the insured getting compensation will increase.
As a lifelong critical illness insurance for children, Taiping Fuluwa actually lacks the protection of China's disease, which is unexpected for senior sisters!
Want to know more about Taiping Huluwa's lifelong critical illness insurance, click the following article to understand:
Is Taiping Fuluwa's lifelong critical illness insurance worth buying? If you don't know these tricks, you will suffer! 》
Third, the summary of the senior sister
Generally speaking, Taiping Fuluwa's life-long critical illness insurance is a little low in cost performance, insufficient in protection, insufficient in middle illness protection and insufficient in extra compensation for serious illness, so it is not worth buying.
Dear seniors, because of this, I have compiled a list of popular children's critical illness insurance. Click collect:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
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