Is AIA Shunkang 2022 Malignant Tumor Disease Insurance Reliable?

It is said that Shunkang 2022 malignant tumor insurance launched by AIA Life Insurance has attracted the attention of many friends. So is the guarantee content of this product excellent? Is it worth choosing?

Today, the senior sister will give you an evaluation!

Before the text begins, you can read this article to learn what cancer insurance is:

What is cancer insurance, how to buy it, which is good, comprehensive analysis, comparative evaluation.

First, the content of AIA Shunkang 2022 malignant tumor disease insurance protection is revealed!

First of all, I will bring you the product evaluation chart:

1. The basic guarantee content is very simple.

We can see that AIA Shunkang 2022 malignant tumor insurance only covers two items-severe malignant tumor insurance and mild malignant tumor insurance.

During the validity period of the contract (after the waiting period), the insured suffers from the serious malignant tumor agreed in the contract for the first time, and the insurance company pays 100% of the basic insurance amount until the contract is terminated.

If the insured is diagnosed with mild malignant tumor for the first time within the validity period of the contract after the waiting period, the insurance company will pay 30% of the basic insurance amount, and this guarantee responsibility will be terminated and the contract will still take effect.

However, some payment-based cancer insurance not only provides insurance benefits for severe/mild malignant tumors, but also provides insurance benefits for specific malignant tumors-severe extra payment, mild exemption for malignant tumors, cancer insurance in situ, death insurance, etc. , can give the insured more adequate protection.

As a result, the coverage of AIA Shunkang 2022 malignant tumor insurance is slightly thin, which is not ideal compared with other paid cancer insurance in the market.

2. Provide health management services

However, AIA Shunkang 2022 malignant tumor insurance provides consumers with health management services, which is very commendable.

The health management service of AIA Shunkang 2022 malignant tumor disease insurance has increased in two aspects, namely, medical service and health consultation service.

Medical service is an outpatient/inpatient medical assistance service provided by AIA Chinese mainland. Health consultation service refers to coordinating the second medical advice service provided by medical experts in Chinese mainland.

The guarantee of AIA Shunkang 2022 malignant tumor disease insurance is analyzed here first. If you want to know more about this product, you can read this article:

Is AIA Shunkang 2022 malignant tumor disease insurance worth buying? First read the following ... "

2. What should I pay attention to when insuring AIA Shunkang 2022 malignant tumor insurance?

1. No guarantee of renewal.

AIA Shunkang 2022 malignant tumor disease insurance is a paid cancer prevention insurance, which provides a one-year guarantee period. It has been clearly stated in the contract that the product does not guarantee renewal.

Simply put, after the insurance expires, if you want to restart this product, you need to re-apply to AIA Life, pay the insurance premium, and get a new insurance contract after the company agrees.

If the product is guaranteed to be renewed, after the contract expires, the insurance company must renew the insurance for the insured in accordance with the contract, and at the same time, it is not necessary to underwrite the insurance, and it is not allowed to refuse the insurance.

2. The waiting period is 90 days

Sickness insurance usually provides a waiting period. For example, the familiar critical illness insurance, the waiting period is generally 90 days/180 days. If the insured is in danger during the waiting period due to non-accidental reasons, the insurance company may not apply for compensation.

The waiting period of AIA Shunkang 2022 malignant tumor insurance adds up to 90 days. If the insured suffers from severe/mild malignant tumor agreed in the contract during the waiting period, the insurance company is not responsible.

However, there are some cases where there is no waiting period for this product: first, the insured re-insures this product; second, the insurance premium is paid within 60 days after the expiration of the previous insurance period; Second, the insured insured insured AIA's designated product and started the product for the first time with AIA's consent.

3. You can only choose bargains.

It should also be noted that this product only provides wholesale payment, which is equivalent to only paying insurance premium at one time.

If you can choose to pay by installment (such as monthly payment), friends can choose the payment method that suits them according to their own budget. However, it is obvious that AIA Shunkang 2022 malignant tumor insurance is not satisfactory in this respect.

Generally speaking, AIA Shunkang 2022 Malignant Tumor Insurance, as a payment-based cancer prevention insurance, is relatively simple, but it also has some characteristics, such as health management services. If you want to insure, you must note that this product does not guarantee renewal, and there is a waiting period of 90 days, and the premium can only be paid in batches.

However, if you have time, senior sister suggests that you look at other paid cancer insurance products on the market, and it is not too late to shop around before making a decision ~ If you are not sure what insurance to buy, you can read this article:

There are so many types of insurance, which one should I buy first? 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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