If you want to know the next thing, please see the next evaluation.
1. What are the advantages of Allianz Aisheng 3.0 critical illness insurance?
As usual, this product protection map of Allianz Cherish Life 3.0 Critical Illness Insurance will be shared with you first:
Without further ado, let's get down to business and see what advantages Allianz cherishes life 3.0 critical illness insurance has:
1. Flexible insurance rules
Allianz Cherish Life 3.0 Critical Illness Insurance has two kinds of coverage periods, one is lifetime coverage and the other is 65-year-old coverage.
It also provides two different plan guarantee contents.
From the analysis of product terms, there are similarities in the coverage of the two schemes, but there is a little difference. In the first scheme, the number of claims for serious illness and second-class non-serious illness is set to three times, and some serious illnesses can still be guaranteed. These guarantees are more than the second scheme.
You can buy one of the schemes according to your own needs and budget. It can not only satisfy the people with insufficient budget, but also bring satisfaction to those who need all-round protection, which can be described as killing two birds with one stone!
2. The guarantee is more comprehensive.
An excellent critical illness insurance standard in the market must include light, medium and heavy illness protection.
Let's take a look at the security map of Allianz Cherish Life 3.0 critical illness insurance. We can see that Allianz Treasure Life 3.0 critical illness insurance is still in place in the protection of critical illness, the first kind of non-critical illness (equivalent to moderate illness) and the second kind of non-critical illness (equivalent to mild illness).
In addition, there are some special protection, such as specific serious illness protection, death protection, premium exemption and so on. , so that the insured can get more comprehensive protection.
Here I want to focus on "premium exemption", which means that when the insured or the insured reaches the conditions agreed in the contract within the payment period agreed in the insurance contract, the insured can no longer pay the subsequent premium, but his insurance contract is still valid. Many people don't know what this guarantee is for. I'll show you an article, and you'll know after browsing:
Will the premium be exempted? Do I have to choose insurance? 》
Second, Allianz Zhenai Lifelong 3.0 Critical Illness Insurance has so many shortcomings. ...
We all know that Allianz cherishes Lifetime 3.0 critical illness insurance, which has many advantages. I believe many friends here are already moved, but before making a decision, we must be calm and clear about the shortcomings of cherishing Lifetime 3.0 critical illness insurance:
1. No extra compensation is set.
Allianz Cherish Life 3.0 Critical Illness Insurance can only pay 65,438+000% of the basic guarantee for critical illness protection, excluding extra compensation.
However, there are many products on the market now. If it is the first time to diagnose a serious illness, you need to obtain additional insurance within the prescribed scope.
For example, Xiao Zhang bought a 3.0 critical illness insurance for Allianz True Love Life Insurance with a coverage of 500,000. So, his colleague went to buy a critical illness insurance with an extra 60% payment, with a coverage of 500,000. In the same year, they all suffered from serious illness for the first time. According to this calculation, Xiao can only get 500 thousand insurance coverage, while his colleagues can get 800 thousand insurance coverage.
In contrast, it is obviously better to pay extra for critical illness insurance.
After all, when people are sick, the more money they have, the greater the protection for later treatment.
2. The grouping of serious diseases is unreasonable.
This Allianz Cherish Life 3.0 critical illness insurance has set up three groups of critical illness claims in the scheme 1
Senior sister liked this product very much when she saw the serious illness grouping. Disease grouping can make the insured get more compensation. Note that after reading the clause, we can know that high-incidence malignant tumors are not separated from other clauses by it.
If the insured is out of danger and suffers from high incidence and serious illness in the same group, it is impossible to get the second compensation.
Just watching the grouping in place didn't really work.
Some friends still don't understand the difference between critical illness insurance and group. The following article will tell you:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
3. There is no optional guarantee for secondary compensation for high-risk diseases.
Even though Cherish Life 3.0 critical illness insurance has many protection contents, it does not provide this very important part, that is, it does not include optional protection such as this malignant tumor and secondary compensation for cardiovascular and cerebrovascular diseases.
At present, the incidence of malignant tumors and cardiovascular and cerebrovascular diseases in China is getting higher and higher, and it is also the first and second place in the list of high-incidence diseases in China.
There are also many clinical data to prove that malignant tumors and cardiovascular and cerebrovascular diseases have a high probability of recurrence within 3 years after the first treatment.
Therefore, if Allianz really loves the 3.0 critical illness insurance, it will be much more complete.
All in all, Allianz cherishes life 3.0 critical illness insurance with low cost performance. Although this product has a lot of protection contents, it is unreasonable to group the critical illness protection, and it lacks the secondary compensation protection for high-incidence diseases, which is not particularly worthy of our start.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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