Let's take a look at 202 1 Fude Worry-Free Guardian for Life and Health. Let's take a closer look!
Friends who want to know this product quickly can read this article first!
202 1 what are the thunder of Fude's healthy life?
First, the guarantee content of 202 1 Fude Worry-Free Life and Health Guardian Edition was announced!
Not much else to say, look at the essence map!
As can be seen from the above picture, Fude Life, Health and Worry-Free Guardian Edition is a product that pays for serious illness many times. It not only provides protection for minor, moderate, serious illness and death, but also has built-in exemption function for minor, moderate and serious illness of the insured, providing comprehensive protection for the insured.
Then please follow me to see the advantages and disadvantages of this critical illness insurance!
1. Advantages
(1) Guaranteed to 70/80/ for life.
After buying this product, you have the right to choose whether to protect yourself until you are 70 or 80 years old or to protect yourself for life. You can choose your own guarantee period according to your actual needs.
Some critical illness insurance products on the market only have the option of whole life insurance, so the premium will be more expensive than the general one, and some people with insufficient budget will be directly rejected.
202 1 Fuld Worry-Free Guardian for Life and Health will be more ingenious in setting the guarantee period, which is for our consideration.
(2) major diseases have been paid for many times.
{This product has a very obvious feature, that is, 202 1 Fuld Worry-Free Life and Health Protection Edition -20. At present, there are some products, and the critical illness protection only pays once. Compared with some products with multiple compensation and extra compensation, it is more prominent that they are just ordinary people.
In life, if you are unfortunately suffering from a serious illness, and the product you buy only has a single payment, it means that the insurance liability of the product is terminated.
What's more, if you buy a critical illness insurance product again in total, the insurance company will refuse to cover it to a great extent because of your claim settlement experience, and there is a 72% chance that we will get a serious illness in our life. The older you get, the more likely you are to encounter it. No one can guarantee that you won't suffer from other types of serious illness after suffering from a serious illness. Who will pay the bill after the average treatment fee of several hundred thousand? At this time, the role of multiple compensation for serious illness is revealed.
Here, by the way, I would like to recommend a very good overpayment of critical illness insurance:
Is it really good for Fosun and Ford to add critical illness insurance? I choose to give up because of this!
2. insufficient
According to the survey, cancer accounts for more than 60% of the compensation for serious illness, and the treatment cycle is long, which may lead to recurrence, spread and metastasis.
In view of the above characteristics of cancer, many critical illness insurances in the market provide consumers with optional secondary compensation for malignant tumors, which is an ordinary operation in the eyes of those extraordinary critical illness insurances.
Although 202 1 Fuld Worry-Free Life and Health Guardian Edition has paid for it many times, if you have cancer again, the insurer will not pay for the same disease.
However, there is a disadvantage that the product does not provide multiple compensation options for malignant tumors, which is equivalent to the protection of the product for cancer once.
You know, the probability of cancer recurrence is about 60% within five years after comprehensive treatment, so who will provide you with protection in case of cancer recurrence? I can't help it
Second, should I buy 202 1 Fude Worry-Free Guardian Edition for Life and Health?
On the whole, 202 1 Fude Worry-Free Guardian for Life and Health has comprehensive protection, including multiple compensation for serious illness, and the price is quite competitive in the market. However, it is its defect that multiple compensation protection for malignant tumors cannot be attached. At the same time, there are many products with comprehensive protection and rich additional protection on the market. Let's compare them and see which one is better.
Therefore, I have arranged better critical illness insurance, so hurry and have a look!
New definitions of critical illness insurance emerge one after another, and these ten items are worth considering!
Write it at the end
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