In our general cognition, the insurance that can return the money at the expiration of the time limit is the return insurance. If you don't know much about this, you can poke this article and quickly find these problems:
What's the difference between consumer insurance, savings insurance and return insurance? What is the best deal? 》
1. Guardian of Perfect Life 202 1 It's true that you can get a refund -2
The seniors clearly told everyone that the answer is: no!
The terms of Perfect Life Guardian 202 1 do not include two total risks, but return insurance, and Perfect Life Guardian 202 1 is classified as savings-based critical illness insurance.
If you read the previous article, it is easy to know that the premium of returned critical illness insurance is better, and the protection content of some returned critical illness insurance in the market is relatively simple. At the same time, you should also consider the inflation factor. The premium paid now will be paid back in a few decades, and its value may decline.
However, for those who insist on cost performance, don't choose the returned critical illness insurance.
However, the senior sister has compiled several excellent returned critical illness insurance on the market. If the family life is relatively rich, you can choose the critical illness insurance with additional security. The following is a link:
"In 2023, the latest 6 returned critical illness insurances worth buying are coming! 》
Second, the perfect life guardian 202 1 is it recommended to buy?
In fact, the purchase of critical illness insurance is usually to reduce the losses caused by major diseases. Therefore, whether Perfect Life Guardian 202 1 is a practical critical illness insurance product depends on its protection content. As usual, let's take a look at the protection form diagram of Perfect Life Guard 202 1.
In terms of advantages, Perfect Life Guardian 202 1 has done quite well in this critical illness insurance.
1, comprehensive protection
Perfect Life Guardian 202 1 includes the protection for mild, moderate and severe diseases. Besides the single payment for severe diseases, the protection for mild and moderate diseases is 4 and 2 times respectively, which is quite good.
More importantly, this critical illness insurance also comes with the protection of extra compensation for special diseases of children and extra compensation for special diseases of the elderly. /kloc-Children with special diseases before 0/8 years old or Alzheimer's disease and Parkinson's disease after 60 years old can get extra compensation.
Take Alzheimer's disease as an example. The Lancet Gong * * * Hygiene, an international medical journal, points out that there are about15.07 million Alzheimer's patients aged 60 and above in China at present, including 9.83 million Alzheimer's patients. However, patients with Alzheimer's disease need continuous treatment, which costs a lot, so it is difficult for ordinary families to bear such economic pressure.
At present, this guarantee is still excellent in the protection of the elderly and children, and it is really in place!
Moreover, Perfect Life Guardian 202 1 has additional options for secondary compensation for malignant tumors and cardiovascular and cerebrovascular diseases. Overall, Perfect Life Guardian 202 1 is still worthy of recognition in terms of protection.
Generally speaking, excellent critical illness insurance product protection is more comprehensive, but whether it is suitable for your own needs is compared. If you want to know about other critical illness insurance products, please take a look at this article:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
2. Extra payment
For the perfect life guardian 202 1, the outstanding advantage is that it can provide a lot of extra compensation, which makes the perfect life guardian 202 1 improve the compensation amount.
Before the age of 60, you can pay 40% for mild illness, 75% for moderate illness and 180% for severe illness.
But also added extra compensation for special diseases of children and special diseases of the elderly. Old people who suffer from Alzheimer's disease and Parkinson's disease after 60 years of age can pay 180% of the basic guarantee amount, and old people who suffer from special childhood diseases for the first time before 18 years of age can get the highest basic guarantee amount of 260% immediately after diagnosis!
As we all know, critical illness insurance is a payment insurance, and it is ok to take the insured amount at one time.
If you get a certain amount of extra compensation after you get sick, and as long as you meet the terms of the contract, the insured can get more protection compensation. This kind of compensation can not only deal with the treatment of diseases, but also pay the subsequent rehabilitation expenses, nutrition expenses and even family expenses, which is no problem and plays a very good role in resisting risks.
But no insurance is perfect. Without exception, the same is true of Perfect Life Guardian 202 1. The following seniors will explain the shortcomings of this product:
1, the maximum coverage rate is low.
Although the payment ratio of Perfect Life Guardian 202 1 is relatively high, and there are many additional payment guarantees, the maximum coverage is not that much. Adults can only insure 460,000, and children can only insure 330,000.
This means that after buying this product, if some people are seriously ill and can't get additional compensation, the insurance coverage they can get will not be enough, and it may be difficult to support the follow-up treatment expenses, and the rehabilitation expenses and nursing expenses after treatment are even more unimaginable, so this is not a plus item.
2. Health information is strict.
Everyone should have an impression that health information must be given before we can insure, but whether health information is loose or not means whether we can insure smoothly. Some people are denied insurance because of strict health information.
Perfect Life Guardian 202 1, this insurance, its health notification is stricter than other insurances. Let's take a look at the health bulletin of Perfect Life Guard 202 1:
Most of the critical illness insurance on the market will not actively tell us about smoking and drinking. For the perfect life guardian 202 1, this insurance can't confuse this issue, from which we can know that people who smoke and drink all the year round have no chance to insure the perfect life guardian 202 1.
High-level summary:
The type of Perfect Life Guardian 202 1 is not a return insurance and will not refund money to the insured, so friends who come to "refund money" should not consider this kind of critical illness insurance.
Generally speaking, Perfect Life Guardian 202 1 is a critical illness insurance product with high compensation ratio, comprehensive protection and close insurance premium. If you can accept that the basic insurance coverage is not high and your physical condition is fine, such a friend can consider buying this product.
Write it at the end
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