Super Mary No. 6 is a single compensation critical illness insurance launched by and Tai Life . The specific product form is as follows:
This product has three main adjustments compared to Super Mary No. 5:
1. The recovery fee for critical illness liability has been changed from a necessary option to optional. It stipulates that if the first serious illness occurs before the age of 60, after three years of separation, 80% of the serious illness can be compensated.
2, Super Mary No. 6 deleted the two compensations for specific cardiovascular and cerebrovascular diseases. The two compensations for specific cardiovascular and cerebrovascular and cerebrovascular and cerebrovascular and 2 restrictions on Super Mary No. 5 are more restrictive than other products on the market, and it is a waste of money to keep it. This deletion is not a big problem.
3. Additional compensation for critical illness before the age of 60 increased from 80% of Super Mary 5 to 100%. Increased the guarantee amount during work.
Overall, the main problems of Super Mary No. 6 are as follows:
Big pit 1. The definition of high-incidence critical diseases is strictly
Although 28 types of high-incidence critical diseases have unified industry standard definitions, in addition to 28 types, there are also some slightly higher-incidence diseases that need attention.
For severe type I diabetes , a relatively loose definition. If one of the following three conditions is met, you can pay:
① Proliferating retinopathy has occurred;
② A pacemaker must be implanted to treat heart disease;
③ A single foot resection surgery that is necessary for medical treatment in the hospital recognized by the insurance company.
, and this product needs to meet at least one of the conditions ② and ③ to compensate. For people with a family history of diabetes, it is necessary to pay attention.
Small pit 1. The waiting period is 180 days too long
During the waiting period, the insurance company will not pay compensation due to non-accidental reasons. Some more friendly critical illness insurances have only a 90-day waiting period.
Small pit 2. Strict regulations during the waiting period
Super Mary No. 6 Pathological conditions occur during the waiting period, and the diagnosis of critical illness, mild or moderate illness outside the waiting period will affect the claim settlement. At present, most critical illness insurances do not have this provision.
Small pit three, two same terms are strictly
This product can be compensated multiple times for medium/mild symptoms, but for the first diagnosis of multiple medium/mild symptoms due to the same disease or the same accident (referred to as two, the industry is more likely to be seen as three) and only pay once for products with loose definitions. As long as the diagnosis interval exceeds 180 days, even if there are two, you can still pay separately.
is set as a small pit because the two effects are relatively limited.
小子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子子�
For example, 3 cardiovascular -related diseases are "slight acute myocardial infarction", "minimally invasive coronary interventional surgery (non-open thoracic surgery)" and "laser myocardial revascularization" . If one of the diseases pays for a mild illness, the remaining two diseases occur and cannot be paid again.
Since there are hidden groupings in mainstream critical illness insurance, this problem is classified as a small pit.
small pit 5. Health notification is strictly
This product has a 1 million limit on the insured amount that the insured has purchased in the past. If this limit is exceeded, it cannot be purchased, which is not conducive to the high-income population for high-income insurance.
configuration recommendation
or above is the main problem of this product. Overall, this product does not include death liability; additional compensation for serious illnesses before the age of 60 can be selected to do a high-level insurance period; if the budget is sufficient, additional secondary compensation for cancer can be added.
This product meets the needs of protection in terms of form. At the same time, in the form of containing additional compensation before the age of 60 and multiple compensation for serious illnesses , the cost-effectiveness is very high. It can be selected as the first choice product of .
[Written at the end] If the above content is helpful to everyone, remember to give a thumbs up to Brother Jing.If my analysis still cannot help you system sort out how to configure insurance, you can reply to "consultation" in private messages and get one-on-one consultation opportunities with Brother Jing.
