Fude's life advantages are full of stars and serious illness insurance;
Advantage 1: There is no need to make multiple payments in groups.
Fude's life is full of stars, and the protection of severe, moderate and light diseases is not grouped for many times.
Moreover, there is no grouping restriction for critical illness protection, so the probability of compensation is greatly improved and the protection is strengthened.
In addition, Fude's life is full of stars, and there is no tripartite clause in critical illness insurance, so the compensation is relatively strong.
"If the insured suffers from two or more major diseases defined in this contract due to the same disease, the same medical behavior or the same accidental injury, the company will only pay the first critical illness insurance premium according to one major disease."
Advantage 2: Benign tumors can also be paid.
Fude Life's all-star critical illness insurance not only pays for the serious illness of malignant tumor, but also includes the protection of specific benign tumor.
When a benign tumor is diagnosed for the first time in a specific site, the maximum insurance premium is 20%.
Advantage 3: Strong guarantee.
Fude's life is full of stars, and the critical illness insurance is guaranteed by two kinds of special care funds: serious illness and light illness.
Critical illness insurance will pay extra 100% of the insured amount for each trip within 15 years before the policy, up to three times.
The guarantee of minor illness care is to pay an extra 30% of the insured amount for each trip within 15 years before the insurance policy, with a maximum of 5 payments.
In addition, Fude's life is full of stars, and the critical illness insurance can also choose to pay for two kinds of special diseases, aiming at malignant tumors-severe, stroke sequelae and acute myocardial infarction.
If you are diagnosed again after 3 years of illness, you can pay 100% of the insured amount.
Advantage 4: Optional protection for the elderly and special diseases.
Fude's life is full of stars, and the optional responsibility of critical illness insurance also includes pension-specific critical illness disability insurance.
The insured has been diagnosed with one or more of the five special diseases of high collar for the first time after reaching the age of 60.
After one year, the insurance company will pay 10% of the basic insurance amount every year. Pay 10 at most, but every payment is one year apart.
Advantage 5: Have a good sense of responsibility for death.
Generally, total disability insurance will refund the premium paid before 18 years old, while Fude Life Insurance will refund 3 times the premium paid.
If you buy it for your child, it is equivalent to a little more protection, which is a small bright spot.
The disadvantages of Fude's critical illness insurance;
Disadvantages 1: short guarantee time for extra compensation.
Fude's life is full of stars, and the critical illness insurance only has an extra payment guarantee of 15 years, which will be slightly shorter, and the focus is still on the early protection.
Disadvantage 2: the constraint of total disability liability after death
Generally speaking, the death and total disability protection of critical illness insurance is optional, and consumers can add it as needed. However, critical illness insurance is listed as compulsory liability, indicating that the premium will definitely rise and the choice is not flexible enough.
That's dad's answer. I hope it helps.