The critical illness insurance market has recently added a new member! Love Life 3.0 is the latest long-term critical illness insurance product of Allianz Insurance, and there was Love Life 2.0 before it.

How about this critical illness insurance? Is it worth buying? Why don’t you take a look at my senior’s review?

Without further ado, let’s get started~

1. Is the protection content of Zhenai Life 3.0 well done? Are there many pitfalls?

As usual, I’d better talk with the picture above:

As can be seen from the picture above, Zhenai Life 3.0 has two new protection plans, so there are differences between the two protection plans. Plan 1 has 2 more critical illness benefits and a specific critical illness protection than Plan 2. Let’s first understand the advantages of Zhenai Life 3.0!

1. What are the advantages of Zhenai Life 3.0?

Comprehensive protection

The protection content of Zhenai Life 3.0 includes critical illness insurance, first-class non-critical illness protection (equivalent to the common moderate illness protection in critical illness insurance) and The second type of non-severe disease protection (equivalent to mild disease protection), therefore, it can still be seen that the basic protection of critical illness insurance is complete.

In addition to the common death protection and premium exemption, Zhenai Life 3.0 also provides specific critical illness protection and advance protection of life dignity. Overall, its coverage is quite comprehensive and suitable for normal critical illness protection needs.

The special protection is very considerate

This Allianz insurance includes specific critical illness protection in Lifetime 2.0, which can provide a one-time compensation of 20 basic insured amounts, as long as the insured The disease falls within the range of 9 specific serious diseases for men and women. After the upgrade of Plan 1 of Zhenai Life 3.0, this protection is still retained.

In this way, if the insured is diagnosed with a specific critical illness, he or she will be able to obtain a claim of 120 insured amounts, which is very good.

In addition, Zhenai Life 3.0 also provides life dignity advance payment protection. If the insured's critical illness develops to an advanced stage, the compensation amount will be the entire basic insured amount. Even if it cannot keep the insured alive, it can at least bring some help to the family's finances. It can be said that they are really considering the customers!

However, even though Zhenai Life 3.0 is a good product at this point, it still has some flaws.

2. Everyone must pay attention to these defects of Zhenai Life 3.0!

The compensation is small

Although Zhenai Life 3.0 has all the protections it should have, the compensation is really not enough - find out the first category of non-critical illness protection The insured amount was only 40% of the compensation, but now many of the mid-term insurance coverage on the market can reach more than 60%. Moreover, the compensation ratio for Class II non-severe disease protection is only 20%, which is lower than the 30% compensation level for minor diseases on the market. It's really unsatisfactory.

You can take a look at the popular critical illness insurance comparison table made by my senior sister. Any product out there is better than this:

Comparison table of 136 popular critical illness insurance models in the country

No additional compensation

Looking at it, which critical illness insurance now does not have additional compensation? Not to mention that there must be additional compensation for moderate to mild illness, at least the insured who is diagnosed with a serious illness for the first time before the age of 60 can enjoy additional compensation, right?

After all, most of the payments at this time are mainly through family finances. If someone collapses without warning, it will definitely be a critical blow to the family. It is very reasonable to increase the compensation at this time!

When it comes to additional compensation settings, we have to provide Tongfang Global’s Versailles No. 1, which not only pays an additional 80% of the insured amount for the first critical illness insurance before the age of 60, but also pays an additional 80% for the first critical illness insurance between the ages of 61-64. You can also pay an additional 30! This mechanism is so user-friendly! Interested friends can find out:

Before purchasing Tongfang Global’s “Versailles No. 1”, I want to tell you these truths!

Missing multiple claims for high-risk diseases

Have you noticed one thing? In terms of protection items, although Zhenai Life 3.0 also has a lot of them, there is no secondary claim protection. No malignant tumors or cardiovascular and cerebrovascular diseases can be seen?

Both these two types of diseases are serious diseases with high incidence, and the probability of onset is relatively high, and the probability of recurrence is also high. Therefore, it is necessary to provide adequate protection against these two types of diseases! However, Zhenai Life 3.0 does not have relevant guarantees, and it is indeed not very good at this point.

2. What is the basis for judging whether Zhenai Life 3.0 is suitable for you to buy?

How to determine the quality of an insurance product depends on its protection content and cost-effectiveness.

To determine whether a product is suitable for you, you must pay attention to whether its protection content can meet your protection needs and whether the price can be afforded by you.

The requirements for protection content are low, and you only need a basic critical illness protection, so don’t worry, this Zhenai Life 3.0 is more than enough to meet your needs. The price is a bit expensive, so I only recommend that people with a larger budget buy it.

If you hope that you can get more adequate and comprehensive protection, or seek products with higher cost performance, then Zhenai Life 3.0 is not suitable for you. For example, let’s take a look at these cost-effective and excellent critical illness insurance products compiled by my senior sister:

A comprehensive list of the top ten popular critical illness insurance products worth buying!

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W families.

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