In short, it is definitely more beneficial to buy critical illness insurance for life, because it can guarantee for life. Even if you are out of danger in your later years, it will not drag down your family, but this does not mean that it is not worth choosing regularly.
Tongfang Global has lifelong critical illness insurance-Versailles plus critical illness insurance. This product is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is the cost performance of Versailles plus critical illness insurance really that high? Is it really worth buying?
In addition, the regular life-long protection of critical illness insurance has been introduced by my senior sister before. You can refer to the following articles:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
First, should I buy 70-year-old or whole life insurance for critical illness insurance?
Let me tell you the conclusion first: if the budget is sufficient, buy the product with lifetime guarantee. In the case of limited economic conditions, giving priority to insurance until the age of 70 will not have much impact on normal life. If the economic pressure is not so great and the budget is sufficient, you can choose another critical illness insurance.
Critical illness insurance belongs to payment insurance and can be paid normally.
1, the benefits of lifetime guarantee
The advantage of life-long critical illness insurance is that you don't have to care about renewal.
The key is that critical illness insurance has a prominent feature, that is, the sooner you buy it, the more cost-effective. Under the same insurance conditions, the premium of young people in their twenties is much cheaper than that of middle-aged people in their thirties.
If you have strong financial strength and want to make a steady investment, if you are afraid of trouble and want to save trouble, and hate to choose when buying critical illness insurance, then you'd better choose lifelong critical illness insurance.
The benefits of 2.70 years old
The first point of protecting 70-year-old critical illness insurance is that the price is cheaper than life insurance. If the insured suffers from a serious illness after the age of 70 and cannot get any protection, then the treatment fee will have to be paid by himself.
If you are a person with a general or even poor economic situation, young, with a growing career, or with the ability to invest, you only need to protect yourself through insurance, or you are older and have great pressure to start paying lifelong critical illness insurance. It is suggested that you can choose to take out critical illness insurance for regular protection.
However, no matter how old people buy critical illness insurance, they should pay attention to the common pits of critical illness insurance and beware of being pitted:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Second, the cost-effective recommendation of critical illness insurance
Next, senior sister introduced this high-priced critical illness insurance-Versailles plus critical illness insurance. It must be right for everyone to buy according to its standards.
1, extra compensation for serious illness
Versailles aggravated illness insurance provides extra compensation for people aged 60-64. If the insured suffers from serious illness for the first time at this age, he can get 30% extra compensation!
As we all know, China has delayed his retirement now. Nowadays, most people have to work until they are 65 before they can retire.
If there is extra compensation for the 60-64-year-old, even if you are unfortunately sick, you don't have to worry about having no money for treatment or affecting your family life.
2. The cumulative compensation for mild and moderate diseases is very distinctive.
The minor illness of Versailles plus critical illness insurance is cumulative payment, and five times is the maximum number of payments, which is very different from the traditional minor illness three times and middle illness two times. For example:
The insured suffers from three diseases. If it is the traditional critical illness insurance, the insurance liability for intermediate diseases will stop after the insurance company compensates the insured twice, but Versailles 1 can still claim compensation.
No matter the insured suffers from five moderate diseases, five mild diseases, four moderate diseases and 1 mild diseases, he can get compensation, which not only strengthens the protection, but also increases the probability of getting compensation.
3, optional malignant tumor-severe 3 times compensation
As the most serious disease, malignant tumor is not only prone to occur, but also has a high recurrence rate.
For example, lung cancer, breast cancer, liver cancer, gastric cancer and other diseases, if patients do not pay attention to health care and healthy life after cure, there will be a recurrence rate of 90%!
With the triple compensation guarantee, even if the disease recurs, there is no need to worry about the lack of treatment funds.
On the whole, Versailles plus critical illness insurance is cost-effective, with a considerable proportion of compensation, comprehensive protection and flexible choice. Moreover, many special protections have been designed to continuously expand the scope of protection and strengthen the protection.
If the small partners prefer the cost-effective and comprehensive critical illness insurance, then Versailles plus critical illness insurance is still worth buying.
However, is there a pit in this product? Is it worth buying? Senior sister reveals Versailles plus critical illness insurance for you, so that you can buy appropriate insurance without stepping on the pit:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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