Before starting the evaluation, if you are interested in the product performance of Peking University Founder, you can also look at the performance of its other products:
Is Peking University Founder's "Love Worry-Free 202 1" worth buying? This article tells you the answer! 》
1. What are the advantages and disadvantages of Peking University Founder's exclusive life-long critical illness insurance?
Let's not talk nonsense. We can understand it more clearly by directly looking at the protection map of exclusive critical illness insurance:
Peking University is enjoying the protection map of critical illness insurance.
The protection of exclusive guardianship is relatively small, but there are also some good places:
Generally speaking, many critical illness insurances are set at a certain age and require certain conditions to get extra compensation.
However, there is no age limit for the extra compensation for malignant tumors under guardianship. As long as it is a malignant tumor disease covered by the contract, it will provide the insured with 50% extra compensation. Then if the malignant tumor is diagnosed for the first time, we can get 100% compensation. But this advantage can't make us enough to ignore these weaknesses of privileged guardianship:
1. The compensation is very small.
The basic guarantee of exclusive guardianship is very general, and only 100% of the insured amount is paid for serious illness. As for the extra compensation, only malignant tumors have it, and other serious diseases do not.
Moreover, the proportion of compensation for mild cases is only 50% of the insured amount, and that for moderate cases is only 20% of the insured amount, which is really too little. After all, how much compensation you can finally get depends on the proportion of compensation. Only enough compensation can help us move when the economy is in danger.
For example:
Assuming that Xiao Ming has insured the exclusive guardian and bought the insurance amount of 500,000 yuan, the maximum compensation for the first illness is not much, and the minor illness and the serious illness pay 65,438+10,000,250,750,000 respectively.
But under the same conditions, if you insure Versailles 1, the compensation for these three diseases can be 225,000, 375,000 and 900,000. These two insurances only compare the compensation, saying that the gap is not small. If you pay more than100000, it will be of great help to some economic pressures and losses.
2. The interval setting is unreasonable
} Enjoy the minor illness of the guardian for 4 times, and the payment interval is 180 days, which is too unreasonable. Let's take a look at the excellent critical illness insurance listed now. The payment interval for mild patients is really short, and the interval of half a year is extra, which is undoubtedly higher for the threshold of payment.
What is even more unexpected is that the interval between enjoying the second payment for malignant tumor of this product is actually 5 years! Many people should know that in medicine, malignant tumors have a "5-year survival rate": if the disease has been treated during the treatment period and has not recurred within five years, the possibility of recurrence is slim and can be completely understood as "recovery". So, is it really reasonable to set up the second compensation for malignant tumors with an interval of five years? Generally speaking, it doesn't work. Under normal circumstances, it is reasonable that the second compensation interval for malignant tumors is 3 years.
Critical illness insurance not only has interval pits, but also more unexpected problems! In order to prevent cheating, senior sister took everyone to prepare a pit prevention manual:
"Take a look at the common pit of critical illness insurance! 》
2. Is it worthwhile for Peking University Founder to enjoy lifelong critical illness insurance?
Generally speaking, Peking University Founder's life-long critical illness insurance has a low cost performance. Although the protection is comprehensive, the payment for serious illness is general, and the interval between each payment for minor illness is 180 days. There is basically no interval between two payments for minor illnesses in the market, so it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!