So what kind of critical illness insurance is suitable for purchase? Today, Senior Sister shared with you a critical illness insurance product, namely, Taiping Pension Taiping Shi Sheng Lifelong Critical Illness Insurance C (2022). Xue Jie will take this product as an example to explain how to judge whether an insurance product is worth starting with.
1. The contents of Section C (2022) of Taiping Shi Sheng Lifelong Critical Illness Insurance are open!
Let's take a look at the protection map of Taiping Shi Sheng lifelong critical illness insurance C(2022):
1. Insurance rules
According to the protection map, Taiping Shi Sheng lifelong critical illness insurance C(2022) gives people born 60 days to 65 years old the opportunity to insure. Compared with some serious illness insurance in the market, only people with the highest age of 55 and 60 are allowed to take out insurance. This product is more considerate in setting the insurance age and more reasonable for people under 65.
Moreover, Taiping Shi Sheng lifelong critical illness insurance C(2022) is a critical illness insurance that provides lifelong protection, and its waiting period is as long as 180 days. Compared with the 90-day waiting period of critical illness insurance in the market, Taiping Shi Sheng Lifelong Critical Illness Insurance C(2022) is not satisfactory in this respect.
In terms of payment period, Section C (2022) of Taiping Shi Sheng lifelong critical illness insurance provides various options, including wholesale payment, 5-year payment, 10 year payment, 15 year payment, 20-year payment and 30-year payment. A variety of options can support the insurance needs of different groups of people, which is very friendly.
Regarding the choice of payment period, Senior Sister has prepared this article:
"How to choose the payment period so as not to lose money? 》
2. Guarantee content
The life-long critical illness insurance C(2022) of Taiping Shi Sheng has a comprehensive coverage, covering the protection of serious illness, moderate illness and minor illness.
Taiping Shi Sheng Lifelong Critical Illness Insurance C(2022) also provides death protection, total disability protection and exemption of the insured from serious illness, moderate illness and minor illness, and several guarantees are relatively good.
In addition, Taiping Shi Sheng Lifelong Critical Illness Insurance Section C (2022) also provides two optional protections, specifically for malignant tumors-additional compensation for critical illness and additional compensation for specific cardiovascular and cerebrovascular diseases.
If the small partners have relevant protection needs, they can also choose optional protection according to their actual situation, so that the protection of the insured is more excellent and more targeted.
From the content of protection, the protection of Taiping Shi Sheng lifelong critical illness insurance (2022) is not very attractive.
Compared with some serious illness insurance that only covers serious illness and does not provide mild and moderate illness protection, the protection of this product is still relatively excellent. Compared with some serious illness insurance on the market, this product needs to be improved.
It should be noted that Taiping Shi Sheng Lifelong Critical Illness Insurance Section C (2022) is a critical illness insurance product with multiple payments. There are 135 major diseases covered by this product, which are classified into 5 groups. According to each group of major diseases, the number of critical illness insurance payments is limited to 1 time, and the cumulative number of critical illness insurance payments is limited to 5 times.
Therefore, this product is more suitable for people who want to configure products with serious illness and multiple compensation.
Friends who want to know more about multiple compensation information of seriously ill groups can also learn more through this article:
Is it good or bad for groups to choose critical illness insurance? The key is to look at this! 》
Second, is the value of life-long critical illness insurance C(2022) worth starting with?
In a word, the advantages and loopholes of Taiping Shi Sheng lifelong critical illness insurance C(2022) are very obvious.
The requirements for the age of insurance are relatively loose, the payment period is rich and flexible, and the protection for serious illness and minor illness is complete.
It can be said that the deficiency is that, on the whole, compared with some well-protected critical illness insurance in the market, the C (2022) of Taiping Shi Sheng Lifelong Critical Illness Insurance shows that there is still room for improvement.
If you ask seniors whether this product is worth insuring, it means that you can follow your own protection needs.
Of course, Senior Sister also introduced us to other similar critical illness insurance on the market. Relatively speaking, everyone can better study the critical illness insurance that is more suitable for them!
If you want to know more about this product, you can also read this article:
Want to start with critical illness insurance C(2022)? This in-depth evaluation must be seen before buying! 》
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