Senior has always met everyone's needs, so this issue will be a new product evaluation!
1. What is the guarantee content of Chang Qingsong (Premium Edition)?
Here is the product form diagram of Chang Qingsong (Advanced Edition). Come and have a closer look:
After reading it for a long time, I didn't see how excellent the guarantee is, but I saw several obvious places that need to be strengthened:
1. does not provide additional compensation for serious illness.
Chang Qingsong (Premium Edition) of Evergrande will not pay for a serious illness. However, it is only said that it will pay for the serious illness of 105, and besides, it will not bear additional compensation, so it is easy to be defeated by the same type of products.
At present, many single-payment critical illness insurance on the market will include additional payment protection, which shows that the protection of this product is not enough.
2. The basic guarantee payment is small.
Even if there is no additional compensation mechanism, the basic protection of this critical illness insurance is not in place. Not to mention that the serious illness only pays once 100% insurance, but the middle illness pays 50%? You can see its shortcomings.
The current critical illness insurance products generally pay 60% for the middle illness, and some extra compensation is needed. It's really disappointing that this product didn't reach the average level.
Moreover, this kind of critical illness insurance only accounts for 20% of each minor illness, even if it can pay for five minor illnesses. It must account for more than 30% of the minor compensation for the same type of products in the market. Chang Qingsong (distinguished edition) has five times the compensation for minor ailments, but it is still relatively small in terms of protection. After all, the amount of compensation obtained is the most real for the insured.
If you don't know much about the payment of major critical illness insurance in the market, this picture can help you answer:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
Insurance is inflexible and can only be guaranteed for life.
However, Chang Qingsong (Premium Edition) can only be insured for life, and the market can be insured for life or 70/80-year-old critical illness insurance products. Compared with the two, the insurance flexibility is slightly poor.
Presumably, everyone knows that the premium of regular critical illness insurance will be much lower than that of lifelong critical illness insurance. My senior learned that the premium of this product is a bit expensive. If there is only a lifetime edition, people who don't have much money are not very friendly.
Although the guarantee content of jon jonsson exclusive edition is not so good, after reading the terms, Senior Sister found that it did well in other aspects:
1. Preferred plan for insurance.
Insurance companies can be divided into: preferred body, standard body and non-standard body, which are divided according to the health status of the insured.
What is the preferred body? Only people with normal physical condition and no disease can be called the first choice. This kind of person spends the least on insurance, and the insurance company is the easiest to pass when evaluating risks. A standard body generally refers to a person who has not found any disease or physical problems, but does not pose a big risk.
The protection content of this critical illness insurance is true and has no characteristics, but it is quite unique to set up two insurance schemes: standard and optimal. The overall product of the optimized scheme is still quite good, and anyone who is healthy and willing can buy it, saving hundreds of premiums a year, which is quite ok.
2. The insurance coverage is loose, and it can cover 1-6 occupational groups.
Please refer to the following figure for the specific occupational scope of insurance products, which are generally divided into 1-4 categories:
The insurance coverage of Changqingsong (premium edition) is relatively wide, covering 1-6 occupational groups, which is regarded as its highlight.
People with high frequency of accident insurance are generally concentrated in people such as firefighters and aerial workers, and it is usually difficult to buy critical illness insurance. If you can't buy other high-quality critical illness insurance, you can consider such products with wider coverage.
Second, is Chang Qingsong (distinguished edition) worth starting with?
After many considerations, Senior Sister thinks Chang Qingsong (Advanced Edition) is not worth buying. The basic insurance is not comprehensive enough, and the compensation is very small. You can only choose lifelong protection, and the insurance flexibility is poor. I really don't recommend buying it.
If you don't believe me, you can take a closer look at the ten excellent critical illness insurance listed below, each of which has good guarantee, price and cost performance:
"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!