Original Security Advisor Preface: If you don’t have perfect products, just choose a product that suits you. The [Product Review] series of Insurance Advisors is just to find out what insurance sales are unwilling to tell you. It doesn't matter whether it's praise or criticism, i

Original Security Advisor

Preface: There is no perfect product, just choose a product that suits you. The [Product Review] series of Insurance Advisors is just to find out what insurance sales are unwilling to tell you. It doesn't matter whether it's praise or criticism, it only depends on the contract.

If you have no idea about critical illness insurance, you can expand the reading:

Medical insurance and critical illness insurance, we are different!

Health notification, the "powder barrel" for claims disputes

critical illness insurance: 500,000 is just a start

critical illness insurance: Are 25 major diseases enough?

New standard for critical illness: It turns out that 25 types have become 28 types of critical illness definition

Critical Illness Insurance: Is it important to pay multiple times for severe illnesses

Critical Illness Insurance: Is it important to pay for severe illnesses multiple times

Critical Illness Insurance: Is it important to have mild illnesses?

critical illness insurance: Without these 7 types of mild symptoms, it is equal to buying

death responsibility: Buy at the age of 60 or buy for life?

1

Overview

Product reviewed today: Super Mary No. 6, this is a product under Hetai Life Insurance (the registration name is: Hetai Loxiang Worry-free Critical Illness Insurance). The protection liability is divided into basic liability and optional liability. The specific liability is as follows:

critical illness: 110 types, compensation once, compensation for basic insurance, optional additional compensation for 100%

medium illness: 25 types, compensation twice, compensation for 60% insurance, optional additional compensation for 20%

mild illness: 50 types, compensation for 3 times, compensation for 30% insurance

html l1 critical illness recovery insurance (optional): meet the agreed conditions, and pay an additional 80% insurance amount

death/full disability (optional): pre-18-year-old death premium/cash value, after 18-year-old death compensation

Malignant tumor medical allowance (optional): meet the agreed conditions, and pay a maximum 120% insurance amount

Payment period: 10/15/20/30 years

Malignant tumor medical allowance (optional): meet the agreed conditions, and pay a maximum 120% insurance amount

Payment period: 10/15/20/30 years

Guarantee period: Lifetime/to 70 years old

2

scientific illness responsibility

comment :

-110 types of serious illnesses, pay once, pay the basic insurance amount;

-If the first serious illness is before the age of 60 and the critical illness recovery insurance or the medical allowance liability for severe malignant tumors is insured, the remaining premium will be exempted after the critical illness insurance is compensated;

-If the first serious illness is after the age of 60 and the severe malignant tumors is insured, the remaining premium will be exempted after the critical illness insurance is insured.

Comments :

-If the insurance liability for disease care insurance, then the insured person who is diagnosed with a critical illness for the first time before the age of 60 can pay an additional 100% basic insurance;

-that is, 200% basic insurance is paid for the first time when the age of 60, but this responsibility is optional, and if it is not insured, it is not.

Comments :

-From the terms and conditions, there are 28 types of serious illnesses that are uniformly stipulated by the new regulations on critical illnesses;

-In addition to the claims age limit for individual 3 years old, the above terms also have age requirements.

3

medial severity

comments :

-25 types of moderate symptoms, pay 2 times, pay 60% of the insured amount;

-There is no compensation interval between the two moderate symptoms, no grouping;

-If the insured is insured for the disease care insurance liability, then the insured will be diagnosed with moderate symptoms for the first time before the age of 60, and the basic insured amount can be compensated by 20%:

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4

mild symptoms responsibility

comment :

-50 kinds of mild symptoms, 3 times Pay 30% insurance;

-There is no compensation interval for two mild symptoms, but there is an invisible grouping:

Comment : Judging from the terms and content, there are not many invisible groupings, but the current invisible grouping is almost standard for serious diseases.

5

premium exemption

Comments : During the insurance period, if the insured suffers from moderate or mild symptoms for the first time, the subsequent premium can be exempted.

6

critical illness recovery insurance (optional)

comments :

-If the insured is diagnosed with a serious illness for the first time before the age of 60, he will be diagnosed with a serious illness again three years after the date of diagnosis, and pay 80% of the basic insurance amount as the critical illness liability recovery insurance;

-It should be noted that if the critical illness is diagnosed again, the critical illness recovery insurance cannot be obtained if it is the continuous state of the first serious illness.

7

Malignant tumor medical allowance (optional)

-The insured was diagnosed with a severe malignant tumor for the first time, and was still in a severe malignant tumor state after 365 days. The compensation was 40% of the basic insured amount as a medical allowance for severe malignant tumors;

-The cumulative payment of medical allowance for severe malignant tumors is 3 times, with a maximum compensation of 120% of the basic insured amount.

8

death/full disability liability (optional)

comment :

-18 years old died/full disability, and the premium paid/cash value is relatively large;

-18 years old dies/full disability, and the basic insurance amount can only be compensated;

-death/full disability/serious disease liability can only be compensated.

9

compare

end this article

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