says that disease is like a mountain . After suffering from a serious illness, it will not only affect the patient's health , but also have a high cost of treating , and may even emptiate family savings, thereby affecting the entire family. Therefore, many people will configure critical illness insurance .
critical illness insurance is a payment insurance and mainly protects major diseases. When the insured suffers from the serious illness agreed in the contract and meets the compensation conditions, the insurance company will pay a one-time insurance premium, and the purpose of the money is unrestricted.
Recently, many friends are asking the senior sister whether the critical illness insurance of China Life is worth buying! So today, senior sister will compare Chinese Ivy (classic version) and Versailles PLUS. Let’s see who recommends buying ? Today, my senior sister will analyze this issue for you!
The focus of this article:
1. Chinese Ivy (classic version) and Versailles PLUS guarantee analysis
2. Chinese Ivy (classic version) or Versailles PLUS which is stronger?
1. Chinese Ivy (Classic Edition) and Versailles PLUS protection analysis
1, insurance conditions
From the above picture, you can see that Chinese Ivy (Classic Edition) and Versailles PLUS are both critical illness insurance products that protect lifelong . They are suitable for friends who prefer long-term protection. Moreover, the waiting period for both products is only 90 days , which is considered to be relatively short in in critical illness insurance.
Huaxia Ivy (Classic Version) supports insurance for people who are born 28 days to 65 years old (inclusive), while Versailles PLUS supports insurance for people who are 30 days to 55 years old . In terms of the insurance age range, the insurance age range set by Huaxia Ivy (Classic Version) is more wider than , which will be more friendly to some older friends.
In terms of payment period, Huaxia Ivy (classic version) has also set up a variety of different -year payment payment periods, while Versailles PLUS only supports annual payment and does not support bulk payment.
In terms of insurance conditions, the insurance conditions set by Huaxia Ivy (Classic Edition) will be more friendly to consumers.
2, guarantee content
The hospital care allowance provided in Huaxia Ivy (classic version), is paid based on the basic insurance amount * the actual number of hospitalization days , and the maximum payment is 90 days . With this allowance, it can solve the problems of food expenses and during hospitalization.
and Versailles PLUS not only guarantees comprehensively, but also provides optional protections, such as first/second malignant tumor (severe) extended insurance .
You should know that even if diseases like malignant tumors are treated and recovered, the subsequent 3-5 years will have 90% chance of being new, recurrence, metastasis or persistent. With this guarantee, this problem can be solved well.
In addition, in terms of the compensation ratio of critical care, Huaxia Ivy (classic version) is the one with the largest compensation 100% basic insurance amount and cash value. If you feel that the protection is not sufficient, you can add multiple compensation guarantees for serious illnesses.
The compensation ratio set by Versailles PLUS is divided into three stages, namely, the compensation is made before the age of 60; 60 (inclusive) to 65; and after the age of 65 (inclusive). This setting is relatively rare in the market and can give people of different ages the best compensation plan.
2. Which is stronger, Chinese Ivy (classic version) or Versailles PLUS?
Based on the above content, the senior sister believes that China Ivy (classic version) and Versailles PLUS are both very good critical illness insurance products of . In addition to the above-mentioned protection content, these two products also provide relevant exemptions to the insured.
The insured person is exempted that is, when the insured person encounters the situation in the contract, he can exempt the remaining from for the remaining , and the contract is still valid for .In this way, the insured can also devote more fully to the treatment.
Therefore, the senior sister believes that these two products are relatively good products and are very worthy of everyone's choice. However, if you are not satisfied with the above two products, you can also take a look at other products and compare them.
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