However, there is a product that is unprecedented, and the underwriting conditions are relaxed a lot, so that people with depression can also enjoy this insurance! This product is Versailles aggravated illness insurance.
In addition to depression, patients with hypertension, pulmonary nodules, big/small sanyang, anxiety, atrophic gastritis and ankylosing spondylitis all have the opportunity to apply for Versailles plus.
Now let's compare other popular critical illness insurance immediately. Most products will not relax the insurance conditions for these diseases:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
But don't be too happy. As I told you above, not everyone with depression can be insured successfully, and they can't be insured if they don't meet the insurance conditions of Versailles plus.
I. Coverage conditions of depression/anxiety in Versailles Additional Insurance
For patients with depression/anxiety, Versailles plus has three underwriting conditions:
1, no hospitalization history, no need for treatment at present;
2, each treatment medication for no more than two weeks, and did not stop working during the treatment;
3. There is no suicidal tendency.
Although Versailles plus has done an excellent job in the underwriting conditions of depression, compared with most related products that are directly refused insurance.
Regarding the underwriting conditions of insurance, this paper has made a detailed explanation, and I suggest you know more about it:
What is the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture! 》
Is the guarantee content of Versailles plus good? If the insurance is not done well, even if the underwriting conditions are relaxed, it is meaningless.
Secondly, the content of Versailles plus guarantee is analyzed in detail.
Let's take a look at the protection map of Versailles plus:
Compared with similar products, Versailles plus has obvious advantages:
(1) Extra compensation for serious illness is groundbreaking.
Few products on the market set an extra payment for the age of 60-64, but Versailles plus sets an extra payment of 30% for this age group!
I believe everyone has heard that retirement is delayed in China, and now many people have to work until they are 65 to qualify for retirement.
However, once you have the extra compensation guarantee of 60-64 years old, even if you get some diseases, you don't have to worry too much about the heavy economic burden that the treatment cost will bring to your family.
(2) The cumulative compensation for mild and moderate diseases is very distinctive.
Versailles plus is a cumulative compensation for mild illness, with five caps, which is very different from the traditional compensation for mild illness with three times and moderate compensation with two times. For example:
Lao Zhang got three minor illnesses back and forth. If the traditional critical illness insurance claims twice, the insurance liability of the middle illness will be lifted, but Versailles plus can continue to claim.
No matter how many times Lao Zhang has suffered from moderate or mild diseases, he can apply for compensation, which not only strengthens the protection, but also improves the chances of getting compensation.
(3) optional malignant tumor-severe 3 times compensation
As the most serious disease, malignant tumor not only has a high incidence rate, but also has a high recurrence rate.
Just like lung cancer, breast cancer, liver cancer, stomach cancer and other diseases, if patients do not pay attention to health preservation and healthy life after being cured, the recurrence rate will rise to 90%!
With the guarantee of triple compensation, even if the disease recurs, there is no need to worry about the problem of insufficient treatment costs (the average cost of serious illness treatment is about 300 thousand at present).
Generally speaking, the cost performance of Versailles plus can be said to be relatively high, and it also has the characteristics of high proportion of compensation, complete medical insurance, flexible selection and so on, including many distinctive guarantees, wider coverage and stronger protection.
If you want to be cost-effective, or patients with depression, hypertension and other diseases, then you can consider starting with Versailles plus.
Moreover, Versailles plus needs to pay more attention than the above, so I won't introduce it in detail. The following evaluation article will give you the answer:
"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;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!