Then today, the senior sister will give you an evaluation!
My senior also evaluated several other products of Soochow Life Insurance before. Interested friends can have a look ~
How is life in Soochow? Here is a comprehensive analysis! 》
First, does Wu Dong Sheng Lang Kang Shunzhen enjoy the copyrighted content?
The previous rule is to look at the specific comparison chart made by the seniors for the products:
Senior sister carefully thought about some regulations of Wu Dong Sheng Lang Kang Shunzhen's exclusive edition, only to know that there are too many slots in this critical illness insurance ... Listen to senior sister slowly!
1. Only for life.
When reading the specific terms of the exclusive edition of Wu Dongsheng Lang Kang Shunzhen, the senior sister found that there were not many projects, only life-long guarantee.
Compared with those critical illness insurance products on the market that can be guaranteed for life, 20 years, 30 years or 70-80 years old, the insurance flexibility of Soochow Shenglang Kangshunzhen Exclusive Edition is as small as sand.
Many partners know that life-long critical illness insurance is much more expensive than regular critical illness insurance. In other words, the premium of this product is not cheap. For those people whose cash flow is not very smooth, the exclusive edition of Soochow Shenglang Kangshunzhen is not suitable for them.
2. The longest payment period can only be 20 years.
Paying the premium is actually the same as paying the mortgage. The more installments, the less expenses to be paid for each installment, and the less economic pressure on the insured.
Judging from the payment period, the longest version enjoyed by Wu Shenglang and Kang Shunzhen is 20 years, and the critical illness insurance, which can be paid in 30 years, relieves the annual payment pressure and is more popular.
At present, excellent critical illness insurance on the market will basically extend the payment period to 30 years. If the payment time is long, the premium pressure will be light.
Tongfang Global's Versailles plus products not only have a 30-year payment, but also have very good protection content! If you want to know about this product, poke the link ~
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Comparatively speaking, Wu Dongsheng Langkang Shunzhen enjoys this product, which is far from it.
3. Malignant tumors are not grouped separately.
After analyzing the unsatisfactory insurance rules of Wu Dong Sheng Lang Kang Shun Zhen Edition, there is another point that deserves special attention in the protection content-malignant tumor is not a separate group in its serious illness grouping!
Please look at the picture:
It can be seen that when Wu Dongsheng Lang Kang Shunzhen enjoyed the edition, he still used some caution to put malignant tumors and dozens of diseases related to organ dysfunction in the same group.
You may not quite understand the significance of grouping compensation for serious illness. The simple explanation is that there is a critical illness insurance in this group, and the critical illness insurance of this type cannot be settled. As a common serious illness, malignant tumor is more easily out of danger. The grouping design of Wu Dong Sheng Lang Kang Shun Zhen exclusive edition is really unscientific!
For example, 30-year-old Mr. Li suffered from a malignant tumor-severe disease. Fortunately, he insured the exclusive edition of Dongwu Shenglang Kangshunzhen, and then he was settled by various insurance companies. If he is unfortunately diagnosed with severe asthma or severe hand, foot and mouth disease in the group again, it is not advisable to let the insurance company pay for it!
In fact, the insurance company's refusal to pay for other serious diseases in the group is actually secretly reducing the rights and interests of the insured? In this way, it is obvious to all that the insurance company's claim probability has been greatly reduced.
Therefore, excellent critical illness insurance on the market now will separate malignant tumors into one group. Even if the insured has an insurance accident related to malignant tumor, the subsequent claims for other serious diseases will not be implicated. From this point of view, Wu Dongsheng's version of Lang Kang Shunzhen has not established enough humanized protection.
Second, is Wu Dong Sheng Lang Kang Shunzhen's edition worth appreciating?
We can easily see that the guarantee period of this critical illness insurance is not only optional, but also the maximum payment period is very unreasonable. Even the protection issue that everyone is most concerned about will disappoint everyone. If malignant tumors cannot be grouped independently, it will be difficult for the insured to obtain higher protection!
Perhaps its only advantage is that it can pay for 50 kinds of mild diseases up to 5 times, but the insurance amount of one payment is only 25%. Although you can pay more times, to be honest, this payment is really not enough!
In a word, senior sister thinks that Wu Dongsheng Lang Kang Shunzhen's version is not the best choice to resist the risk of serious illness.
Sister Xue wrote a great inventory article on critical illness insurance before, which is worse than several critical illness insurance listed in it. People with security needs can choose from them ~
"Top Ten Hot Critical Illness Insurance Inventory 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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