Recently, there has been another serious illness in the critical illness insurance market! Cherish Life 3.0 is the latest long-term critical illness insurance product of Allianz Insurance, and there was Cherish Life 2.0 before it.
How about this critical illness insurance? Is it worth buying? Let's take a look at the evaluation of senior sister!
1. What is the guarantee content of Love Life 3.0? Is there a pit
Senior, let me show you its safety content map first:
Cherish Life 3.0 has launched two protection plans this time. The difference is that plan 1 has two more critical illness claims and a specific critical illness protection than plan 2. Let's take a look at the advantages of Cherish Life 3.0! 1. What are the advantages of Cherish Life 3.0?
Comprehensive guarantee
The protection contents of Cherish Life 3.0 mainly include critical illness insurance, the first type of non-critical illness insurance (equivalent to the common medium-critical illness insurance) and the second type of non-critical illness insurance (equivalent to the minor illness insurance), which shows that the basic protection of critical illness insurance is relatively complete in all aspects.
In addition to death protection and premium exemption, Cherish Life 3.0 also provides specific serious illness protection and life dignity early payment protection. Generally speaking, its protection is comprehensive and can meet the general needs of critical illness protection.
Special protection is very sweet.
Like its predecessor, Cherish Life 2.0, Cherish Life 3.0 Plan 1 also contains specific critical illness protection. As long as the disease falls within the scope of nine specific serious diseases for men and women, 20% of the basic insurance amount can be paid.
In this way, if the insured is diagnosed with a serious illness, it is still possible to get a claim of 120%.
In addition, Cherish Life 3.0 also provides the protection of life dignity in advance. If the serious illness of the insured develops to the late stage, you can get 100% of the basic insurance amount. Even if you can't save the life of the insured, you can at least have some money to reduce the financial burden of their families. It's very caring!
However, Cherish Life 3.0 is still flawed in some aspects. Let's have a look.
2. Love for a lifetime 3.0 These defects must be noted!
Pay less.
Although the protection that true love life 3.0 should have is available, the compensation is really not enough. The first type of non-critical illness insurance only pays 40% of the insured amount. At present, we see that the compensation for China's disease in the market even exceeds 60%. Moreover, its compensation ratio for the second-class non-serious diseases is only 20%, which is far from the compensation level of 30% for mild diseases in the market. It's really disappointing.
You can also refer to the popular critical illness insurance comparison table made by senior sister, and any product is far better than this: the national popular 136 critical illness insurance comparison table.
There is no extra compensation.
At present, many excellent critical illness insurance will set up extra compensation on the critical illness protection, and some extra compensation ratios can reach 100% of the basic insured amount, which can add up to twice the insured amount. However, Cherish Life 3.0 has no additional compensation for serious illness, which is really disappointing!
When it comes to extra compensation, we have to mention Versailles 1 of Tongfang Global. The product is diagnosed with serious illness for the first time before the age of 60, and can pay an additional 80% of the insured amount; Those who are still 6 1~64 years old when they are seriously ill for the first time can get an additional 30% compensation! This measure is really thoughtful. If you are curious about this product, you can read this article: Before buying Tongfang Universal Versailles 1, I want to tell you a fact!
Lack of multiple compensation guarantee for high-incidence diseases
I don't know if my friends have noticed that Cherish Life 3.0 has many types of protection, but there is no secondary compensation protection for malignant tumors and cardiovascular and cerebrovascular diseases.
In fact, these two kinds of diseases are highly critical diseases with high incidence probability and high recurrence rate. Therefore, these two diseases must be compensated twice! However, Cherish Life 3.0 has no relevant guarantee, which is really insufficient consideration.
Second, what is the basis for judging whether Love Life 3.0 is suitable for your own purchase?
How to judge whether a product should be imported depends on whether your guarantee demand is included in the guarantee content and whether you can accept the price.
If you don't have high requirements for protection and only need basic critical illness protection, then Cherish Life 3.0 can fully meet your needs. A single price is a bit expensive, and seniors suggest that friends with more budgets can choose to start with one.
If you want to have better protection, you can look at products with higher cost performance. Cherish life 3.0 is obviously not what you want. Let's take a look at these cost-effective and inexpensive critical illness insurance products collected by senior sisters: the top ten popular critical illness insurance stocks worth buying!
Write it at the end
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