The biggest highlight of this product is that it can be paid many times and the responsibility is full. Overall, it is a good critical illness insurance product. Is it worth starting with? Let's analyze it in detail!
What are the advantages and disadvantages of 1. Bodhi Pratt & Whitney Edition?
Not much to say, in order to understand insurance products more intuitively, let's take a look at the infographic first:
As can be seen from the above picture, the basic guarantee items can be found in this product. What are the advantages and disadvantages? Let's analyze a wave for everyone.
superiority
1. Insurance age relaxed
Friends who know about critical illness insurance know that its age limit is very large. Most critical illness insurance has its own maximum age, usually 55 or 60. It is not so easy to buy critical illness insurance after the highest insurance age.
Huaxia Bodhi Pratt & Whitney Edition relaxed the insurance age limit and extended the insurance age to 65 years old. You know, some people can buy products even after the age of critical illness insurance, and they have to increase the premium, so the cost performance will be reduced. People over the age of 60 don't need to increase the premium to buy Pratt & Whitney Bodhi Tree, which is super awesome.
2. Extra compensation for serious illness
Bodhi Pratt & Whitney version of the critical illness protection compensation is still good. The insurance company will pay 100% of the insured amount for the serious illness in the insurance contract. Secondly, this product also has an extra payment of 50% of the insured amount, as long as it meets the two conditions of the first ten years in the policy and the first serious illness before the age of 60.
Suppose that Lao Zhao was seriously ill at the age of 59, which happened ten years before the policy. Before that, he had bought Bodhi Pratt & Whitney critical illness insurance with a coverage of 500,000, and he could get a compensation of 750,000 at once. If the money is used to treat major diseases, the basic expenses are enough.
3. Hospitalization care allowance
Bodhi Pratt & Whitney Edition has prepared hospital care allowance for customers, which is so sweet. If the insured has not suffered from any serious illness stipulated in the insurance contract before the age of 60, then hospitalization after the age of 60 is subsidized. The payment method is 0. 1% insured amount * hospitalization days, and the maximum payment is three months (90 days) every year until the amount of hospitalization care allowance provided during the guarantee period is equal to the basic insured amount.
After a long stay in hospital, even if there is a little savings at home, it will be spent bit by bit. In other words, the family needs some money to spend. At this time, the hospitalization allowance is very useful and good.
disadvantaged
1. Insufficient protection for mild and moderate diseases.
Although the protection of mild and moderate diseases in this product is in line with the rules and not very bad, it is still lacking if compared with the market.
China Medical Insurance has two payment opportunities, and the payment amount is 50% of the insured amount. And some serious illness insurance can reach 60% protection, even for minor illness, there are extra payments, so consumers will get more payments.
Due to the space, I won't say much about the shortcomings of the Pratt & Whitney version of Bodhi Tree. If you want to find the defects of insurance products, you can read this article:
Can I buy the Pratt & Whitney version of Huaxia Bodhi Tree? Can you accept these two shortcomings?
Second, is the Bodhi Pratt & Whitney Edition worth buying?
This product of Bodhi Tree Pratt & Whitney Edition is actually quite good in terms of the content of protection. There is no shortage of basic protection such as serious illness and mild illness, as well as special protection such as hospitalization nursing allowance, which is indeed cost-effective.
Especially for the critical illness insurance, there is not only 50% extra compensation, but also 100 kinds of critical illness are divided into 6 groups and paid in 6 times, so that the probability of the insured being compensated is greatly improved.
Moreover, the Bodhi Pratt & Whitney Edition specifically protects cancer, and the cancer is grouped separately, which means that we also have compensation for cancer, and we are not afraid that this high-incidence and high-recurrence disease will have a blank period of protection.
If you don't know grouping, read this article more, or you won't know if you fall into the trap of insurance companies:
Should critical illness insurance be grouped? The point is still to look at this!
If you want big brands to pay for critical illness insurance many times and are interested in high security and high cost performance, you can consider this one!
If you want to refer to similar critical illness insurance products, these popular products are worth recommending:
The list of the top ten affordable and practical critical illness insurance is coming!
Write it at the end
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