Before we begin, if you have any questions about Xintai Life Insurance and don't know whether it is reliable, you can read the following articles:
How about Xintai Life Insurance? What products are there, what are good, and what are the pit routines? In-depth analysis.
First, Kunpeng 1 safety analysis!
The first insurance content:
Not only the basic protection for mild, moderate and severe diseases is designed, but also the insurance benefits for the elderly with specific serious diseases, death or total disability, as well as the exemption protection for the insured. These Kun Peng 1 numbers are also available.
If you want to get more insurance coverage, when you apply for insurance, you can pay for malignant tumors twice, and the increase of specific diseases can be added and increased twice, and so on. Generally speaking, all aspects of Kun Peng 1 are relatively perfect.
After a general understanding of the safety content, you will fully understand the good and bad aspects of Kunpeng 1!
Advantages of Kunpeng 1:
1, with strong protection for mild and moderate diseases.
Kunpeng 1 has paid many times to consumers for mild and moderate diseases, and the proportion of compensation for mild and moderate diseases is not low:
For mild cases, 30% of the basic insurance amount will be paid, and it will be paid in 4 times; Pay 60% of the basic insurance amount for moderate illness, and pay twice. If the product coverage is 500,000 yuan, it will be 6.5438+0.5 million yuan if it is diagnosed as a mild disease, and 300,000 yuan will be paid for a moderate disease. It is very good to put such protection in the critical illness insurance market.
If you think the senior is exaggerating, don't worry, look down:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
2. Care for the elderly and special diseases
Because for the elderly over 60 years old, Kun Peng 1 provides insurance for certain seriously ill elderly people.
If the insured is unfortunately diagnosed with severe Alzheimer's disease or severe primary Parkinson's disease after the age of 60, additional compensation will be provided to consumers, and the compensation amount will be 60% of the basic insured amount.
Take the insured amount of 500,000 yuan as an example. When the seniors and seniors are diagnosed with special disease insurance for the elderly, they will give 800,000 yuan, which can be said to be very sympathetic to the insured.
As we all know, with the growth of age, not only the functions of all aspects of the body will plummet, but also some diseases with high incidence in the elderly, such as Alzheimer's disease and Alzheimer's disease, are more likely to find us.
Years bring us not only visible aging and vicissitudes, but also some hidden disease risks. Obviously, Kun Peng 1 did not take this factor into account.
3. Optional warranty is practical.
Kun Peng 1 You can choose to pay for cancer, increase specific diseases and increase protection.
The importance of cancer is well known. There's no need to mention it. The claim rate for cancer is as high as over 70%. Among the six kinds of serious diseases that must be covered by critical illness insurance, in recent years, many people prefer the products that are guaranteed by the second or multiple payments for cancer. That's the reason.
The increased insurance premium for specific diseases and the protection of the second increase are the same as the additional compensation for serious, moderate and light diseases. After 70 years of age, if you suffer from serious, moderate or mild diseases as agreed in the contract, you can pay an additional 50%, 15% and 10% of the basic guarantee respectively.
From the point of view of this part of the group pursuing disease protection, these two optional responsibilities of Kun Peng 1 have played a supplementary role in the lack of basic protection.
Looking at the guarantee of Kunpeng 1 is really attractive, but there are still some shortcomings:
1, the liability for death is not flexible.
Kunpeng 1 including death liability. Compared with those products that can choose whether death liability is required, this setting of Kunpeng 1 is very inconsiderate.
Because bringing your own death responsibility means directly raising the premium, if a small partner with insufficient budget buys this product, the cost will be higher.
2. There is no extra compensation for serious illness.
Critical illness insuranceNo. Kunpeng 1 has no additional compensation for critical illness. If you want to increase the price, you can choose to increase the additional compensation for serious illness, but only by paying more premiums can you get this protection.
Among those products whose prices are similar to those of Kun Peng 1, there are also many products with multiple compensation or extra compensation for serious illness in specific age groups. Compared with the following products with high safety and high cost performance, Kunpeng 1 is not attractive:
Ten cheap and excellent critical illness insurance inventory! 》
Second, is the value of Kun Peng 1 worth buying?
Generally speaking, the cost performance ratio of Kun Peng 1 is a bit low. Although the basic guarantee is comprehensive, the price advantage of binding death liability is not great and it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Write it at the end
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