Is it necessary to buy Ankang malignant tumor (severe) disease insurance?

The senior student heard that Zhujiang Life Insurance has launched a cancer insurance product called Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance. Many friends sent private messages to my senior, wanting to know what the guarantee content of this product is like? Is it cost-effective?

Today the senior sister is here to give you a review!

1. The contents of Zhujiang Ankang’s malignant tumor (severe) disease insurance are revealed!

Same as before, let’s first release the protection map of this product:

As far as the content of the protection map is concerned, Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance follows the protection The term length is short-term cancer insurance, which provides coverage for one year. Moreover, it covers a 90-day waiting period. Below, I will take you through several angles to familiarize yourself with this product. Let’s get straight to the point and read this article carefully!

1. Insurance conditions

As can be seen from the age of insurance, Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance covers those aged from 30 days old (inclusive) to 70 years old (inclusive) The following groups of people are open to insurance. This shows that the maximum insurance age set for this product is 70 years old. Compared with similar products on the market that allow people up to 60 years old to purchase, its insurance age range is not so strict, which can meet the insurance needs of more people and allow more elderly people to have the opportunity to purchase cancer insurance.

At the same time, some information can be obtained from the protection map. This product can only pay premiums through single payment. Single payment means that the policyholder pays all the premiums at once, which is relatively simple.

So, what are the benefits of choosing single sex? Let’s take a look:

"What does single sex mean?" What are the benefits? 》

Let’s talk about the disclaimer of this product. The disclaimer clause actually refers to the scope of the insurance company that does not need to bear insurance liability based on the stipulations in the contract. Generally speaking, under the same overall conditions, the fewer the number of exemption clauses, the more benefits everyone will get.

After reading the protection map, you can find that Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance product has 9 disclaimers. Compared with some similar products on the market that only have 4 or 5 exemption clauses, there is no doubt that it has raised the claim threshold for the insured.

For more information about the disclaimer clause, you can click on the link to view:

"What is the disclaimer clause of insurance and how to read it?" If you don’t understand, you will suffer a big loss! 》

2. Protection content

After looking at the protection map, it is clear that Zhujiang Ankang’s malignant tumor (severe) disease insurance coverage includes two coverages, one is malignant tumor (severe) Insurance benefits, and another is specific disease insurance benefits.

First of all, let’s talk about the meaning of malignant tumor (severe) insurance benefit. The insured is diagnosed by a medical institution recognized by the insurance company because of an accidental injury, or due to reasons other than accidental injury after the waiting period. It was indeed the first time I suffered from the "malignant tumor - severe" as stipulated in the contract. If the claim requirements are met, the insurance company will pay the basic insurance amount.

The protection content of the specific disease insurance specifically states that the insured is under the age of 18 when diagnosed, due to accidental injury, or due to other than accidental injury after the waiting period. The reason was that he was suffering from "leukemia" stipulated in the contract for the first time. If the corresponding conditions are met, the insurance company will pay an additional 50% basic insurance amount in addition to the malignant tumor (severe) insurance premium.

It is necessary to mention that the protection of specific disease insurance will also be divided according to the gender of the insured. For women, if they are older than 18 years old (inclusive) at the time of diagnosis, they suffer from an "ovarian malignancy" for the first time within the scope of the contract after diagnosis and treatment due to accidental injuries, or due to reasons other than accidental injuries after the waiting period. Tumor". If the claim settlement requirements are met, the insurance company will pay an additional 50% of the basic insurance amount in addition to the malignant tumor (severe) insurance premium.

If a male who is 18 years of age or older when he gets a serious illness encounters an accidental injury, or due to reasons other than accidental injury after completing the waiting period, after medical examination, he will be diagnosed with the disease for the first time. There is a contract for "testicular malignancy". And if it complies with the contract, the insurance company will pay an additional 50% of the basic insurance amount in addition to the malignant tumor (severe) insurance premium.

2. Is Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance worth insuring?

To sum up, the advantage of Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance is that it provides a relatively wide insurance age range, as well as male/female specific disease protection.

However, at the same time, there are also disadvantages such as many exemption clauses, payment period is only single payment, short protection period and no guarantee of renewal.

So, I think you might as well learn more about other products on the market and compare them before choosing the best ones.

Friends who want to have a deeper understanding of this product can read this article:

"How about Zhujiang Ankang Malignant Tumor (Severe) Disease Insurance?" Read it before buying"

Write it at the end

I am a top student in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above If the content has not solved your problem, you can also come to the official account Xueba Talk Insurance to consult me;

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

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