Century Life Fuyouankang Benefit Edition critical illness insurance is very popular online. I heard that it is very cost-effective, and many friends are asking about Centenary Life Fuyouankang Benefit Edition. Is critical illness insurance really that cost-effective? Is it really worth buying?

Before we begin, you can follow our senior sister to discuss this guide on purchasing critical illness insurance to prevent fraud:

"Be careful when purchasing critical illness insurance, don't Falling into the Trap"

1. Is the Centennial Fuyou Ankang Benefit Edition critical illness insurance good for protection?

Let’s first take a look at the protection chart of Centennial Life’s Fuyouankang Benefit Edition critical illness insurance:

There is a protection chart above, and you can see from it that this model of Centennial Life Fuyou Ankang Huixiang Edition critical illness insurance has basic protection in place, and critical illness can also be compensated multiple times.

Then let’s take a look at the highlights of these protections:

1. A wide range of insurance ages

Fuyou Ankang Homecoming Edition critical illness insurance stipulates that people born under 28 You have to be 60 years old to participate in the insurance. Compared with the critical illness insurance on the market, which has a maximum insurance age of 55 years old, it has a slightly wider range of people. It is more suitable for middle-aged and elderly friends.

2. Practical exemption protection

Centennial Fuyou Ankang Benefit Edition critical illness insurance comes with exemption protection for critical illness, moderate illness and minor illness of the insured, and has this kind of protection The benefits are:

The longer the payment period is selected, when the insured unfortunately suffers from a disease stipulated in the contract during the payment period, the insured will not have to pay later premiums, and the medical expenses will not only be covered We can use our insurance money to offset the payment, or we can no longer continue to pay for later protection. This choice only benefits our insured and has no harm.

3. Secondary cancer compensation can be added

Centennial Life Fuyouankang Benefit Edition also provides corresponding optional liability for the secondary compensation of severe malignant tumors.

Although current medical technology can cure cancer, there will still be more recurrences of cancer in the future. According to surveys, the time when tumors are most likely to relapse is in the first three years after tumor surgery. The possibility of recurrence and metastasis is as high as 80%.

We can see from the news that some cancer-stricken families have to spend hundreds of thousands of dollars to treat the disease, causing financial problems for the family. They have no choice but to rely on kind-hearted people in society. , if unfortunately the disease relapses, you can imagine how much physical and mental pressure this will put on the patient's family!

So, only by adding the malignant tumor-severe secondary compensation can you truly reduce your financial burden and risks.

After looking at the highlights of Centenary Life’s Fuyou Ankang Premium Edition, some friends may already be ready to buy it, but the senior sister still advises everyone to think again. There are also problems with this product. Less defects!

2. Is the Centennial Fuyou Ankang Benefit Edition critical illness insurance worth buying?

Whether the Fuyou Ankang Huixiang Edition can provide us with better protection and attract us to buy it, you can take a look at the following defects and make a decision before it is too late:

1. Critical Illness Care Benefit is not cost-effective

Once you have insured Fuyou Ankang Benefit Critical Illness Insurance, if the insured dies 365 days after the date of first diagnosis of critical illness, you will receive The insurance company pays an additional 10% of the basic insurance amount, which is more user-friendly.

However, compared with some excellent critical illness insurances on the market, if the first critical illness is diagnosed before the age of 60, the insured can receive an additional 60% or 80% of the insured amount. Amount of compensation, Fuyou Ankang Benefit Edition must die 365 days from the day of being diagnosed with a serious illness in order to be eligible for additional compensation, and the compensation ratio is only 10% of the insured amount. It can be seen that other products on the market Excellent critical illness insurance will be more cost-effective.

2. Unreasonable grouping of serious illnesses

We must also pay attention to this aspect. The multiple compensation payments of the Fuyou Ankang Benefit Edition deeply attract people who want to buy it. There is no doubt that the insurance company's grouping of critical illness in this insurance is likely to cause controversy. Malignant tumors are not separated into a separate group. Malignant tumors are actually classified into the group of high-incidence diseases such as erosive mole. This is This will hinder claims for other critical illnesses that are in the same group as malignant tumors.

Using normal people’s thinking, if you are infected with a malignant tumor for the first time and have reached a critical illness claim with the insurance company, suppose you suffer from other high-risk diseases in the same group and want to make another claim. The insurance company will not pay for the claim.

When learning about different critical illness insurances, if we encounter products with critical illness categories, we should also pay attention to whether the grouping inside is reasonable:

"Critical Illness Insurance Selection" Is grouping good or bad? The key point is this! 》

3. There are invisible groups for minor illnesses

The minor illnesses of Fuyou Ankang Benefit Edition critical illness insurance cover invisible groups, as long as it is due to one reason, no matter when the illness occurs Disease A or B are all hidden groups. These two types of diseases cannot be covered separately. The insurance company pays the insurance benefits in one lump sum.

This situation also happens with Fuyou Ankang Huixiang Edition critical illness insurance. Therefore, the probability of multiple compensation payments for minor illnesses is reduced.

All in all, Centenary Life's Fuyou Ankang Huixiang Edition critical illness insurance protection is very complete. There are some outstanding points, but the flaws are also obvious.

The senior sister has a little suggestion for my friends, carefully look at its protection content, consider your own situation, and then think about whether to buy insurance:

"A Hundred Years of Blessings and Health" You must be careful about this flaw in the preferential version”

Write it at the end

I am a top student talking about insurance, focusing on objective, professional and neutral insurance evaluation;

< p>If the above content has not solved your problem, you can also come to the official account Xueba Talk Insurance to consult me;

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

Public account: Top academics say insurance costs less, buy the right insurance!