Centennial Life Fuyou Ankang version of critical illness insurance can be said to be very popular on the Internet. I heard that the price-performance ratio is very high, and many friends are asking, is the price-performance ratio of Centennial Life Fuyou Ankang version really that high? Is it really worth buying?

Before you start, you can discuss this guide about purchasing critical illness insurance with your senior sister to prevent fraud:

"Buy critical illness insurance to keep your eyes open and don't fall into the trap"

First, is it good to protect the critical illness insurance for the centennial version of Fuyou Ankang?

Let's take a look at the protection map of the critical illness insurance of the Fuyou Ankang version of Centennial Life Insurance:

There is a protection map on it, from which we can see that the basic protection of the critical illness insurance of the Fuyou Ankang version of Centennial Life Insurance is in place, and the serious illness can be compensated many times.

Then let's take a look at what are the highlights of these guarantees:

1. Wide coverage age

Fuyou Ankang Homecoming version of critical illness insurance stipulates that you can only be insured if you meet the requirements of being born from 28 days to 6 years old. Compared with those critical illness insurance with the highest coverage age of 55 years old in the market, it is slightly wider for people and more suitable for elderly friends.

2. The exemption guarantee is practical

The Centennial Fuyou Ankang version of the critical illness insurance comes with the exemption guarantee for the insured's serious illness, moderate illness and mild illness. The advantages of this protection are as follows:

The longer the payment period is chosen, when the insured unfortunately suffers from the diseases agreed in the contract during the payment period, the insured can not pay the later premium.

3. Secondary compensation for cancer can be attached

Centennial Life Fuyou Ankang Enjoy Edition also provides corresponding optional liability for secondary compensation for malignant tumor.

Although the current medical technology can cure cancer well, there will still be more recurrences in the follow-up cancer. According to the survey, the most likely time for tumor recurrence is the first three years after tumor surgery, and the possibility of recurrence and metastasis is as high as 8%.

From the news, we can see that some families suffering from cancer have to spend hundreds of thousands of dollars to treat the disease, which makes the family have economic problems, so they can only hope for good people in society. If they have a relapse unfortunately, how much physical and mental pressure this will have on the patients' families can be imagined!

Therefore, only by attaching the malignant tumor-severe secondary compensation can we really reduce the economic burden and risk for ourselves.

After reading the highlights of Fuyou Ankang Enjoy Edition of Centennial Life Insurance, some friends may be ready to buy it, but Senior Sister still advises you to think again. This product also has many defects!

Second, is the centennial Fuyou Ankang version of critical illness insurance worth buying?

Whether the value of Fuyou Ankang Premium Edition can provide us with better protection and attract us to buy it is not too late to make a decision after you look at the following defects:

1. It is not cost-effective to care for major diseases

Once the Fuyou Ankang Premium Edition critical illness insurance is insured, if the insured dies 365 days after the first diagnosis of a serious illness,

However, compared with some excellent critical illness insurance on the market, if the insured is diagnosed with a serious illness for the first time before the age of 6, the insured can get 6% or 8% of the insured amount, and Fuyou Ankang Premium Edition will die 365 days after the day when it is diagnosed with a serious illness, so it is eligible for additional compensation, and the compensation ratio is only 1% of the insured amount. Thus, it can be seen that it is on the market.

2. The grouping of serious diseases is unreasonable

We have to pay attention to this aspect. There is no doubt that the multiple payments of Fuyou Ankang Hui Xiang Edition deeply attract people who want to buy it. However, the insurance company's grouping of serious diseases is easy to cause controversy. Malignant tumors are not singled out as a group, and malignant tumors are actually divided into the group where the invasive mole is a high-risk disease, which will hinder and.

If you understand it with normal people's thinking, you are infected with a malignant tumor for the first time and have reached a serious illness claim with the insurance company. Assuming that you suffer from other high-risk diseases in the same group and want to make claims again, the insurance company will not pay.

When learning about different critical illness insurance, if we come across products with critical illness classification, then we should also pay attention to whether the grouping inside is reasonable:

"Is the grouping of critical illness insurance good or not? The key is to look at this!

3. Mild illness has invisible grouping

Fuyou Ankang version of critical illness insurance covers invisible grouping. As long as it is because of one reason, no matter when you suffer from disease A or B, it is invisible grouping, and these two kinds of diseases cannot be guaranteed separately. Insurance companies pay insurance money at one time.

This happens just like Fuyou Ankang's version of critical illness insurance, so the probability of multiple payments for minor illness decreases.

In a word, the critical illness insurance coverage of Fuyou Ankang Premium Edition of Centennial Life Insurance is still very complete, with outstanding points and obvious defects.

Senior sister gives a little advice to her partners, carefully look at its guarantee content, and then consider whether to take out insurance:

Write it at the end

I'm Xueba talking about insurance, focusing on objectivity and caution.

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

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