Want to know how this critical illness insurance is, you can look at the evaluation of seniors!
Not much to say, just say it ~
1. Is the guarantee content of Aisheng 3.0 excellent? Will you lie?
Senior, let me show you its safety map first:
As can be seen from the above, this cherished life 3.0 has two protection plans. The difference is that the first plan has two more critical illness claims and a specific critical illness protection than the second plan.
Below, the senior first analyzes the advantages of Cherishing Life 3.0.
1. What are the advantages of Cherish Life 3.0?
Comprehensive guarantee
The coverage of Cherish Life 3.0 mainly includes critical illness insurance, the first kind of non-critical illness insurance (equivalent to the common medium-critical illness insurance) and the second kind of non-critical illness insurance (equivalent to minor illness insurance), which shows that the basic protection of critical illness insurance is still relatively complete.
Speaking of this, senior sister will give you a suggestion. Be careful when choosing critical illness insurance products! You know, good critical illness insurance has these guarantees: good critical illness insurance has these characteristics.
In addition to death protection and premium exemption, Cherish Life 3.0 also provides specific serious illness protection and life dignity early payment protection.
In this way, its protection is still relatively comprehensive, in line with the normal needs of critical illness protection.
Special protection is very sweet.
Allianz Insurance, an insurance product, contains specific critical illness protection in Cherish Life 2.0. If 9 kinds of specific serious diseases for men and women are diagnosed, an additional 20% of the basic insurance amount can be paid. This guarantee still exists in the first scheme released by Cherish Life 3.0, and has been transformed and upgraded.
In this way, if the insured is diagnosed with a serious illness, he can get 120% of the insured amount compensation, which is still very acceptable.
And cherish life 3.0 also provides the guarantee of life dignity in advance. If the insured is terminally ill, he can get complete basic protection. Even if it is unable to save the life of the insured, it can at least bring some help to the family's economy, which is also a comfort!
However, although Cherish Life 3.0 has done a good job, it is still difficult to make up for some defects.
2. Love for a lifetime 3.0 These defects must be noted!
Pay less.
Although Cherish Life 3.0 has all the necessary protection, the compensation is really not enough-the first type of non-serious illness protection only pays 40% of the insured amount, but now China diseases on the market can basically pay more than 60%. Moreover, it only provides 20% extra compensation for the second-class non-serious diseases, which is far lower than the 30% compensation level for mild diseases in the market. This guarantee is really disappointing.
The comparison table of popular critical illness insurance made by senior sister can be used for your reference, and any product is much better than this: domestic 136 comparison table of popular critical illness insurance.
There is no extra compensation.
Looking around, what critical illness insurance does not have additional critical illness compensation? Not to mention, there is an extra compensation for mild illness. At least, the insured under the age of 60 should get extra compensation as soon as they are found seriously ill.
After all, most people are still the mainstay of the family economy at this time. If they suddenly fall down, it will definitely bring a serious blow to the family. It is really reasonable to increase compensation at this time!
When it comes to additional compensation settings, you have to provide Versailles 1 of Tongfang Global.
People who suffer from serious illness for the first time and are under 60 years old can receive an additional 80% of the insured amount; Not only that, people aged 6 1~64 who are seriously ill for the first time can also enjoy 30% extra compensation! How sweet!
This product has many outstanding features, and friends who want to buy critical illness insurance must not miss it: these principles must be known before buying Tongfang Versailles 1!
Lack of multiple compensation guarantee for high-incidence diseases
I wonder if my friends have noticed this. Although Aisheng 3.0 has many types of protection, it has no secondary compensation protection for malignant tumors and cardiovascular and cerebrovascular diseases.
You know, these two diseases are both high-risk and severe, with high incidence and high recurrence rate. So these two kinds of diseases need to provide comprehensive protection!
However, Cherish Life 3.0 lacks relevant protection, which is really not good at this point.
Second, what conditions should be met to start loving life 3.0?
How to judge whether an insurance product is worth starting depends on its guarantee content and cost performance.
How to tell whether a product is practical or not depends on how well its safety content fits your safety requirements and whether you can afford it at the price.
For friends who only need a basic critical illness protection and have low requirements for the protection content, this cherished life 3.0 can meet your needs. However, its price is not cheap either. Senior sister suggests that friends with more budgets make a choice again.
If you want to get more comprehensive protection and high cost performance, Senior Sister suggests considering other critical illness insurance products on the market.
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!