Worry-free regular critical illness insurance fraud? How many times do you pay for serious illness?

Worry-free regular critical illness insurance can be said to be very popular on the internet. I heard that the cost performance is very high, and many friends are asking, is the cost performance of worry-free regular critical illness insurance really that high? Is it really worth buying?

The following sister will give you an in-depth evaluation! This article can help you get familiar with worry-free periodic critical illness insurance in advance. If you don't know, let's take a look:

"worry-free regular critical illness insurance" was praised? Get out of here! /Really? 》

1. What is the worry-free regular protection in critical illness insurance?

Let's take a look at the product protection chart of worry-free periodic critical illness insurance:

1, mild and moderate diseases are not guaranteed.

Worry-free regular protection only covers serious diseases in the critical illness insurance, not mild or moderate diseases.

Critical illness insurance must cover serious illness, mild illness and moderate illness.

The compensation standard and proportion of minor diseases are lower than those of minor diseases, and so are moderate diseases.

Although the disease conforms to the contract, the degree of illness is not enough to meet the claim standard.

Life will still be disturbed by diseases, and at the same time, it takes money to treat diseases, and mild/moderate diseases are not minor diseases. The cost of treatment for mild diseases ranges from tens of thousands of yuan. In addition to spending money, it also interferes with the pace of life. Those who can't go to work during treatment and rehabilitation shall be confiscated.

As a result of this situation, when compensation is needed, mild/moderate symptoms will play a role.

Moreover, the critical illness insurance only covers the serious illness, but does not include the important protection of mild and moderate diseases, which is not comprehensive enough.

2. There is no additional compensation guarantee.

Worry-free insurance regularly provides 100% protection for critical illness compensation in critical illness insurance, and no additional compensation protection is arranged.

At present, many critical illness insurance products will set an extra payment, which is similar to a serious illness before the age of 60, so it will pay an extra 60%.

Extra compensation can bring a lot of hope to the family. Before the age of 60, we need to shoulder family responsibilities and face the problems of mortgage, car loan, child support and parental support.

At this age, if you are sick, you need stronger protection to resist for everyone.

However, worry-free regular critical illness insurance does not include extra compensation for critical illness, and the protection is general.

For example, Versailles plus critical illness insurance, if you suffer from a serious illness before the age of 60, you can pay an extra 80% of the insured amount. Generally, you can pay twice as much, which is a strong guarantee.

If you want to know more about Versailles plus, please click here:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Second, worry-free regular critical illness insurance is worth starting with?

On the whole, worry-free regular critical illness insurance is not cost-effective, lack of protection and not worth buying.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

Write it at the end

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

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

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

WeChat official account: Xueba said that insurance costs less, buy the right insurance!