I would like to take this opportunity to give you an in-depth evaluation of this product and see if it is worthwhile for us to start with the Changtai family happy critical illness insurance attached by CPIC.
Before the evaluation, you can walk here to learn about the pit prevention guide of critical illness insurance:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
First, the form analysis of CPIC additional Changtai family happy critical illness insurance products
According to the old rules, I will take you to know the essence of the protection of Taibao additional Changtai family happy critical illness insurance, so as to have a deeper understanding of this product:
Let's look at the insurance rules. First of all, the upper age limit of CPIC plus Changtai family happy critical illness insurance will change according to the gender of the insured. The maximum age of male insured is 58, and the maximum age of female insured is 60.
Secondly, Taibao's additional Changtai family happiness and serious illness insurance is a life-long product, so you can't choose regular protection. During the insurance period, consumers can choose three payment methods, namely 8 years, 13 years or 18 years, and there is no way to pay the premium.
Finally, let's learn about the waiting period. The waiting period for CPIC to add Changtai family happy critical illness insurance is within 180 days. Compared with the same type of products, generally only need to wait for 90 days. However, the former can't make the insured enjoy the protection earlier.
Then we analyzed the content of protection, and found that CPIC attached Changtai family happy critical illness insurance not only provided critical illness insurance, but also provided special disease protection.
For 20 kinds of special diseases for children and 20 kinds of special diseases for adults, CPIC additional Changtai family happy critical illness insurance covers 100% of the basic insurance amount of the additional insurance contract respectively. It can also provide protection for 60 specific diseases agreed in the contract, and pay no more than three times, each time paying 20% of the basic insurance amount of the additional insurance contract.
Moreover, this product can also provide the insured with premium exemption for certain serious diseases. CPIC can also set the follow-up premium as free if the agreed conditions are met.
This also shows that Taibao's additional Changtai family happiness and serious illness insurance provides comprehensive protection for specific diseases.
At the same time, Taibao's additional Changtai family happiness and serious illness insurance can also provide death or total disability protection for the insured. Compared with some similar products that only protect the dead but not the disabled, the former will be more humanized.
Regarding the details of the protection of Taibao's additional Changtai family happy critical illness insurance, the senior sister said here first. Friends interested in this product may wish to move here to learn more details:
Is the critical illness insurance of "Pacific Pacific Insurance Extended Thai Family Fun" good? The answers are all here ... "
2. What are the precautions before buying Taibao additional Changtai family Huanhuan critical illness insurance?
Senior sister's analysis of the product form of Taibao additional Changtai family happy critical illness insurance is temporarily over. After reading the analysis, everyone should have a more comprehensive understanding of this product.
On the whole, it is not difficult to find that Changtai Family Happy Critical Illness Insurance attached by CPIC is a product without big highlights.
However, you need to note that it is not easy to apply for additional CPIC Changtai family happy critical illness insurance. After all, the insurance threshold set by Pacific Life is too strict.
Only when Taiping Shi Sheng Changtai Ankang Insurance (B) or Taiping Shi Sheng Changtai Ankang whole life insurance Insurance (B) is configured, and the insurance policy is valid as usual, and the insured is not dead, completely disabled, disabled by serious illness or minor illness or claims, can it meet the insurance conditions of Taibao Additional Changtai Family Joy and Serious Illness Insurance.
However, small partners who are interested in configuring critical illness insurance do not need to be sad because of the refusal of Changtai Family Happy Critical Illness Insurance attached by CPIC. There are still many high-quality critical illness insurance in the market, so you can choose other products to insure.
For example, these critical illness insurance, whether it is the content of protection or the proportion of compensation, are enough to make everyone tempted:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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