Today, senior sister will take a look at PICC 3.0 critical illness insurance with you to see if it is really that good. Click on the link below to learn the true face of PICC Life 3.0 critical illness insurance:
"PICC 3.0 critical illness insurance is the best? Don't talk until you read this! 》
How is 1.PICC 3.0 guaranteed?
Without further ado, let's go to the product protection map first:
As can be seen from the figure, PICC 3.0 is a single payment type of critical illness insurance. The basic protection includes the protection of severe, moderate and minor diseases, and also stipulates the responsibility for death and the exemption of the insured from minor diseases, which is relatively perfect.
What are the advantages and disadvantages of this product? Let's take a look. ...
Advantage 1: provide additional compensation for serious illness.
In terms of critical illness insurance, PICC 3.0 is equipped with insurance for 120 kinds of critical illness, and the number of payments shall not exceed once. If the insured is diagnosed with critical illness insurance before the age of 60, and it is still consistent with the claim, he can get the coverage of 150%;
If the insured is diagnosed as seriously ill after reaching the age of 60 (including 60) and still meets the claim standard, the insured amount of 100% will be paid.
Moreover, PICC 3.0 also increases the guarantee of extra compensation for serious illness in a specific age group. It's quite humanized and suitable for people who pursue high insurance coverage. It's perfect!
Of course, there are many high-quality critical illness insurance in the market that provide extra compensation for specific ages, similar to Versailles 1 critical illness insurance, which covers not only the extra compensation for critical illness insurance, but also mild and moderate diseases:
Assuming that the insured is diagnosed with serious illness for the first time before the age of 60, he can also pay 180% of the basic guarantee amount; If you are seriously ill for the first time at the age of 60-65, you can claim 130% of the basic guarantee amount;
If the insured suffers from moderate or mild illness for the first time before the age of 60, he can also pay an extra 15% of the basic insurance amount. This claim is really good!
Those big guys who yearn for strong security and high security may wish to take a look at this product!
Advantage 2: the payment period is flexible and diverse.
For the payment term of this product, PICC 3.0 has many payment methods, including one-time payment (wholesale payment) and installment payment, and installment payment is divided into five payment terms: 5 years, 10 year, 15 year, 20 year and 30 year.
The insured may purchase according to his own conditions:
If you have sufficient funds and don't want to think of friends who need to pay annual fees after configuring critical illness insurance, it is recommended to choose a one-time payment method;
Assuming that the budget is insufficient and you want to ease the premium pressure by stages, you can choose to pay by installments.
Of course, it is also learned to choose the payment period that suits you, which requires a long text to explain. If in doubt, the following dry goods can help you better understand the payment cycle:
"How to choose the payment period so as not to lose money? 》
The advantages have been understood. Let's take a look at the disadvantages of PICC 3.0 that need our special attention:
Disadvantages 1: Mild symptoms include invisible grouping.
In terms of minor illness protection, PICC 3.0 * * * covers 40 minor illnesses. If the insured is diagnosed, he can pay 30% of the insured amount, and the maximum number of payments is three times. This kind of mild illness protection is very common.
However, after careful analysis of the terms, the senior sister found that there are many invisible groups in PICC 3.0' s minor illness protection, so for some diseases, we can only implement the method of "several compensations for one"!
For example, for mild cases of "mild acute myocardial infarction", "coronary intervention therapy" and "laser myocardial revascularization", the method of "three losses and one" is adopted!
This raises the threshold of small claims and is not particularly friendly to the insured. ...
In other words, we can't just pay attention to the number of minor illnesses covered by critical illness insurance and the intensity of compensation. ...
It also depends on whether the critical illness insurance products have relatively perfect protection for high incidence and mild diseases, or whether there are hidden drawbacks such as "invisible grouping"!
Second, is PICC 3.0 worth starting with?
Generally speaking, PICC Life's PICC 3.0 critical illness insurance is generally cost-effective. Although the protection set is relatively comprehensive, the payment for critical illness is also very strong, the waiting period is relatively short, and the protection period and payment period are very flexible. However, there is no additional compensation guarantee for mild and moderate diseases, and there are hidden groups for mild diseases, so it is not worth insurance.
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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