Before, Senior Sister summarized the critical illness insurance that 10 female friends are worth buying. Now, click on the link below to read, and you can check the content of the article without spending a penny:
Ten critical illness insurances worth buying for women! 》
If you don't know how to choose, senior sister will give you an Amway product. You can't go wrong if you buy it according to its standards.
I. Analysis of Additional Safeguards in Versailles
The product recommended by senior sister is Versailles plus critical illness insurance. Let's take a look at its protection map first.
1, extra compensation for serious illness
Versailles aggravated illness insurance provides extra compensation for people aged 60-64. If the insured suffers from a serious illness at this age, and it is the first time, he can get an extra 30% compensation!
In fact, it is estimated that all the friends have seen the news. Delayed retirement mentioned not long ago has already started in China. Nowadays, many people usually have to work until they are 65 before they can choose to retire.
Then, with the extra compensation guarantee of 60-64 years old, even if you are very unfortunate, you don't have to worry about having no money to treat the disease or causing great losses to your family's life.
2. The cumulative compensation for mild and moderate diseases is very distinctive.
Versailles plus critical illness insurance is mainly cumulative payment. The maximum compensation for this product is 5 times, which is actually different from 3 times compensation for minor illness and 2 times compensation for moderate illness. For example:
The insured child suffered from mild illness three times. If it is traditional serious illness insurance, the insurance liability for minor illness will be terminated directly after the minor illness is paid twice. But Versailles 1 is different, and will continue to pay.
No matter the insured suffers from five moderate diseases, five mild diseases, four moderate diseases and 1 mild diseases, the insurance company will make claims, which not only significantly enhances the protection, but also increases the probability of getting compensation.
3, optional malignant tumor-severe 3 times compensation
As the most common serious disease at present, malignant tumor has a high incidence and even a high recurrence rate.
Just like lung cancer, breast cancer, liver cancer, stomach cancer and other major diseases, if patients do not know how to keep in good health and live a healthy life after being cured, it is easy to relapse.
Once you have three compensation guarantees, even if the disease recurs unfortunately, you don't have to worry about the lack of funds for treatment at this time.
To sum up, Versailles plus critical illness insurance is cost-effective, good in payout ratio, considerate in protection and flexible in choice. Many distinctive protection measures are put forward, which obviously increases the coverage and strengthens the protection.
If you are very concerned about comprehensive protection and high cost performance, you can learn about Versailles plus critical illness insurance.
Finally, more relevant evaluation contents of Versailles plus critical illness insurance will be introduced by senior sister in a later article. If friends are interested, you can find out:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Second, what should I pay attention to when insuring critical illness insurance?
1, critical illness protection
It is clearly stipulated by the CIRC that 28 kinds of serious diseases must be settled, and these diseases must exist, and the compensation for serious diseases 100% basic insurance coverage. In addition, it is better to have extra compensation.
For example, if you are seriously ill before the age of 60, you can get the basic guarantee of 180%. Besides paying the medical bills, even your daily expenses can be maintained.
Senior sister summed up several kinds of critical illness insurance with extra payment. Don't miss it if you want to know:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2, mild and moderate disease protection
28 high-risk chronic diseases and mild diseases need to be covered together, without grouping. As for the proportion of compensation for chronic diseases, it is generally required to start at least 50%, and then provide at least 2 compensation opportunities.
The proportion of compensation for minor diseases should be set at more than 30%, and the minimum payment should be 3 times. Anything below this standard need not be considered.
3. Claim threshold
The products of some unscrupulous insurance companies look ok, but the threshold of claims for products is quite high.
Let's look at an example and talk about the protection of "losing an eye". Product A has specific requirements: the insured's eyeball must be completely removed to get compensation. The claim requirements of product B are different: even if the insured is blind, he can get compensation.
We can clearly see that the claim threshold of product B is much looser. Therefore, when friends are insured for critical illness insurance products, they must clearly define the conditions for claims in the contract!
4. Optional guarantee (secondary compensation for specific diseases)
Everyone is satisfied with this guarantee, because many people worry that some diseases will recur, such as cancer, stroke, cardiovascular and cerebrovascular diseases and so on.
For example, obese people are more likely to suffer from hypertension (cardiovascular and cerebrovascular diseases), and the demand for secondary compensation for cardiovascular and cerebrovascular diseases will be more obvious.
On the whole, Versailles plus's critical illness insurance is cost-effective, which not only provides comprehensive protection, but also has strong compensation for critical illness. The light and moderate compensation has its own characteristics and is worth 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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