Before you start, you can discuss with your senior the guidelines for purchasing critical illness insurance to prevent fraud:
Keep your eyes open when buying critical illness insurance and don't fall into the trap.
1. Is the protection of Fu You's centennial critical illness insurance healthy?
Let's take a look at the protection map of Fu You Ankang exclusive version of critical illness insurance:
There is a security map above, from which we can see that the basic security of this Fu You Ankang version of Centennial Life Insurance is in place, and you can pay for serious illness many times.
So let's take a look at the highlights of these guarantees:
1, with a wide insurance age
Fu You Ankang Hometown version of critical illness insurance requires that you be born 28 days to 60 years old before you can participate. Compared with those critical illness insurance with the highest insured age of 55 years on the market, it is suitable for a slightly wider range of people and is more suitable for elderly friends.
2. The exemption guarantee is feasible.
The century-old Fu You Ankang version of critical illness insurance comes with the exemption guarantee for the insured's serious illness, moderate illness and minor illness. The benefits of this protection are as follows:
The longer the payment period is chosen, when the insured unfortunately suffers from the contracted disease within the payment period, the insured can not pay the late premium, and the medical expenses can not only be offset by our insurance money, but also can not continue to pay the late guarantee fee. Such a choice is only good for our insured, not bad.
3. Secondary cancer compensation can be attached.
Centennial Life Fu You Ankang Exclusive Edition also provides corresponding optional liability for secondary compensation for malignant tumor-severity.
Although the current medical technology can cure cancer well, there will still be more recurrences in the follow-up cancer. According to the survey, the most likely time for tumor recurrence is the first three years after tumor surgery, and the possibility of recurrence and metastasis is as high as 80%.
Through the news, we can see that some families with cancer have to spend hundreds of thousands of dollars to treat the disease, which will bring economic problems to their families. There is no way but to pin our hopes on the good people in society. If they are unfortunate enough to have a relapse, you can imagine how much physical and mental pressure this will have on the patients' families!
Therefore, only by attaching a malignant tumor-severe secondary compensation can we really reduce the economic burden and risk for ourselves.
After reading the highlights of Fu You Ankang exclusive edition of Centennial Life, some friends may be ready to buy it, but seniors still suggest that you reconsider. This product also has many defects!
Second, is the century-old Fu You Ankang version of critical illness insurance worth buying?
Whether the value of Fu You Ankang exclusive edition can make us get better quality assurance and attract us to buy it, please look at the following defects before making a decision:
1, nursing for major diseases is not cost-effective.
Once the Fu You Ankang version of critical illness insurance is insured, if the insured dies 365 days after the first diagnosis of critical illness insurance, the insurance company will pay an extra 10% of the basic guarantee amount, which is more humane.
However, compared with some excellent critical illness insurance in the market, if the insured is diagnosed with a critical illness for the first time before the age of 60, the insured can get 60% or 80% of the coverage, while the Fu You Ankang Premium Edition can only get additional compensation after 365 days from the date of being diagnosed with a critical illness, and the compensation ratio is only 10%. This shows that other excellent serious diseases on the market.
2. The grouping of serious diseases is unreasonable.
We should pay attention to this. Undoubtedly, Fu You Ankang's multiple payments to Huihui Edition deeply attract people who want to buy. However, the insurance company's grouping of this type of serious illness is easy to cause controversy. Malignant tumors are not listed as a single group, and malignant tumors have been classified into the group where invasive mole is a high-risk disease, which will hinder the claim of other serious diseases in the same group as malignant tumors.
If you understand with normal people's thinking, you are infected with malignant tumor for the first time and have reached a serious illness claim with the insurance company. Suppose you have other high-risk diseases in the same group and want to claim again, the insurance company will not pay.
When understanding different critical illness insurance, if you encounter a product with critical illness classification, you should also pay attention to whether the grouping inside is reasonable:
Is critical illness insurance grouping good or bad? The key is to look at this! 》
3. Mild symptoms have invisible grouping.
Fu You Ankang version of critical illness insurance's light illness underwriting invisible group. As long as it is because of one reason, whenever you have two diseases, A and B, they are invisible groups, and these two diseases cannot be protected separately. The insurance company pays the insurance money in one lump sum.
Fu You Ankang enjoys the version of critical illness insurance, which also happens. Therefore, the probability of multiple payments for minor illnesses is reduced.
In a word, the protection of critical illness insurance of Fu You Ankang exclusive edition of Centennial Life Insurance is still perfect, with prominent places and obvious defects.
Senior to give a friend some advice, carefully look at the protection content, and consider their own situation, and then consider whether to take out insurance:
Be careful of this defect in Fu You Ankang Centennial Edition.
Write it at the end
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