Apollo series critical illness insurance has always been the leader in multiple-payment critical illness insurance.
A while ago, Harmony Life launched Apollo 2 , which pays 3 times for critical illness without grouping, but the price is similar to the super cost-effective Super Mario 6.
Especially if women buy it, the price will be more cost-effective.
But when buying insurance, you always face the first threshold-Health notification. If you don’t take good care of it, you may not be able to compensate at the critical moment, so let’s talk today:
Apollo 2 critical illness insurance, is the health notification strict? Can I buy it if I have hepatitis B nodules?
The main content is as follows:
Apollo 2 critical illness insurance, is the health notification strict?
Apollo 2 critical illness insurance, does it protect against attack?
Apollo 2 critical illness insurance, is it worth buying?
1. Apollo 2 critical illness insurance, is the health notification strict?
I have compiled its health notification as follows:
For Apollo 2 critical illness insurance, the health notification is quite detailed.
In addition to the regular insurance experience, examination/hospitalization status, BMI and smoking and drinking were also asked.
Let’s get down to business.
Can friends with hepatitis B and nodules buy Apollo 2?
If you observe carefully, you will find that "chronic hepatitis, nodules" is marked in red, which means that these diseases will be asked about.
But there was no more detailed inquiry about the severity of the disease.
It is recommended that everyone try intelligent underwriting before applying for insurance, and answer a few multiple-choice questions about specific conditions to find out at a glance whether you can buy it.
Here I will take the two diseases of "hepatitis B and nodules" as examples to walk you through intelligent underwriting:
You can see that if the nodules have not been operated on but are not serious, or have been cured by surgery, yes Can buy Apollo 2.
If you have hepatitis B virus carrier or hepatitis B minor triple positive, and all the indexes are normal, you can successfully pass the smart underwriting.
But if you have chronic hepatitis or major three Yang , you can’t buy it. The
table summarizes the best underwriting situations for the three diseases: thyroid nodules , breast nodules , hepatitis B virus carriers or hepatitis B minor three positives.
If after smart underwriting, "Insurance Denied" is displayed, you will not be able to buy it for the time being.
After looking at the disease underwriting situation, let’s talk about the protection of Apollo 2 and whether it is worth buying.
2. Does Apollo 2 critical illness insurance protect against attacks?
The protection is summarized as follows:
Apollo 2, as a lifetime critical illness insurance with multiple payments, can continue to receive critical illness protection even after the accident, and can also add an additional 60 relocation compensation and critical illness expansion insurance. Pension, sickness hospitalization allowance, etc., suitable for those who pursue comprehensive protection and high cost performance.
The price is also very good. It can reimburse 3 times for serious illness, but it is similar to Super Mario 6 which can only reimburse once for serious illness. It is a "increasing quantity without increasing the price".
Its protection is very resistant and has the following two main advantages:
- Critical illnesses are not grouped and can be compensated up to 3 times;
- can be freely added with protection such as death and additional compensation before the age of 60, with rich optional responsibilities.
But there is something to note:
Friends over the age of 40 can only buy a maximum insured amount of 450,000.
If you want to know more about the insurance restrictions of Apollo 2, or want to buy Apollo 2, you can click [Follow] and send me your age + physical condition, and there will be a professional insurance planning teacher to teach you. Choose insurance.
Finally, we will compare Apollo 2 with similar products to prove in depth whether it is worth buying.
3. Apollo 2 critical illness insurance, is it worth buying? The comparison of
is as follows:
Let’s get straight to the conclusion:
compares several popular multiple-payment critical illness insurance, Apollo 2 is not inferior in the slightest, with protection against attacks, premiums are also very cost-effective, and the price/performance ratio is very high.
Therefore, If you pursue the ultimate cost-effectiveness, it is best to consider Apollo 2.
If you want to add death protection, you can consider Kangrui Life, which is more cost-effective after it is added.
However, I would like to remind everyone that Kangrui Life and Kangshun Life cannot be purchased online and needs to be purchased offline.
And if you are in an area that is not within their sales range, you may not be able to buy it.
If you want to see if it is available in your area, you can click [Follow] and send me your age + physical condition, and a professional insurance planning teacher will teach you how to choose insurance.
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