What are the advantages of Fu Changsheng Extreme Edition?

Changsheng Life Insurance Company has launched a new critical illness insurance product called Fu Changsheng Extreme Edition.

The advantages of this product are: comprehensive protection, serious illness, moderate illness, mild illness, short waiting period, multiple compensation for serious illness, and follow-up medical protection for specific diseases.

The following is a detailed explanation for everyone.

First, reveal the true face of Fu Changsheng Extreme Edition

Not much to say, let's take a look at the product form diagram of Fu Changsheng Extreme Edition:

Let me talk about the advantages of this product first:

1. Short waiting time

Fu Changsheng Extreme Edition stipulates that the waiting period is 90 days. Compared with those products whose waiting period is 180 days, Fu Changsheng Extreme Edition is more sincere. If the waiting period is shorter, the insured can get protection earlier.

2. Repeated payment for serious illness

In terms of critical illness protection, Fu Changsheng Extreme Edition covers 100 kinds of diseases, which can be paid twice at most, which can bring sufficient protection to the insured.

3. Follow-up medical benefits

In addition to basic security, insurance companies can also pay 10% more for medical expenses. If the insured is diagnosed within 5 years, he can share part of the medical expenses.

Although the product is not bad, there are still many defects:

Defect 1: there are intervals between mild/moderate diseases.

The interval between multiple payments for mild and moderate diseases is 90 days. Many products on the market have no interval between symptoms and mild symptoms. When the probability of the insured getting a claim decreases, the interval time is often one of the reasons. This setting is really unfriendly.

Defect 2: Mild symptoms have invisible grouping.

Although this product is mild, it can still be seen that it has invisible grouping, which means that only one disease will be lost. In addition, there is no renal failure in mild cases, which is not particularly good for men.

Do you think this is the only defect of this product? This product has these fatal defects that you must know. Here I want to read deeply: Is it necessary to buy Fu Changsheng Ultimate Edition? This gives you the answer! 》

2. What should I pay attention to when buying critical illness insurance?

1. Full coverage

When buying critical illness insurance, you must ensure adequate protection. At present, the cost of serious illness treatment in many cities will basically exceed 300,000 yuan. Generally speaking, the cost of treatment in first-tier cities is often higher, and suffering from serious illness will also lead to greater income loss.

2. Consumption type is better than return type.

There are still some defects in the return of returned critical illness insurance. In order to guarantee the refund, these three conditions must be met: after the end of the contract, they will reach the specified age and have no claim, and those who do not meet the conditions will not be refunded.

According to this statement, there is not much difference between security and consumption, but the premium is more expensive than consumption, which is really not cost-effective. The content of return insurance is far more than that. If you want to know, please read the following article, "If you have money to pay for the accident, you can pay it back if you have nothing to do-understand the return insurance! 》

The more kinds of diseases, the better.

Many people think that the more diseases involved, the better. In fact, this is often not the case. For 28 high-risk diseases, it is usually included in the critical illness protection according to the provisions of the CIRC. These 28 kinds of high-incidence and serious diseases account for about 95% of the claims rate of serious diseases.

4. Choose a longer payment period.

If the payment period of critical illness insurance is short, the annual payment pressure will be relatively large. If the insured suffers from moderate or mild diseases, the exemption clause can be triggered and the subsequent premium will be exempted.

Know how to choose a good critical illness insurance. What critical illness insurance products are cost-effective and worth buying? You can read this article: "Carefully organized! Ten cost-effective critical illness insurance "

Write it at the end

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