Today, senior sister will take a look at Xiduoduo No.2 life-long care insurance with you to see if it is really so excellent. Click on the link below to learn the true face of Xiduoduo No.2 lifelong care insurance:
"In-depth evaluation! Harmony, Health, and Xiduoduo No.2 Lifelong Care Insurance: Is it worth buying? 》
1. What is the coverage of Harmony, Health and Xiduoduo No.2 lifelong care insurance?
Without further ado, let's take a look at the protection essence of this product:
As can be seen from this picture, the coverage of Xiduoduo No.2 lifelong nursing insurance is particularly simple, even including nursing insurance, illness death insurance and nursing insurance. In addition, it also has rights and interests such as policy pledge loan and insurance deduction. Next, Xue Jie will explain the warranty of this product from the following angles.
1, and the upper limit of insurance age is high.
The insurance age of Xiduoduo No.2 lifelong care insurance is currently set at 28 days to 75 years after birth. In other words, the insurance age of this product is now limited to 75 years old. We should know that the maximum age range of some similar products on the market is set at 65 or 70.
After comparison, the upper limit of the insured age of this product is quite high, and the insured age range is not small, which is more humanized for the elderly.
2. Support insurance reduction
By analyzing the above figure, we can see that Xiduoduo No.2 lifelong care insurance is equipped with reduced insurance rights. If the customer is in urgent need of liquidity, and the insured does not have an insurance accident within the validity period of the contract, it is actually possible to apply for a reduction in the basic insurance amount once a year after the contract takes effect five years later.
With the consent of the insurance company, the insurance company will refund the cash value corresponding to the reduced basic insurance amount. It can be said that this money can be used for capital turnover. However, it should be noted that after reducing the insured amount, the insured will not be able to enjoy the same protection as before, and each time the insured amount is reduced, the reduced amount cannot exceed 20% of the basic insured amount agreed in the contract.
3. The effective insured amount is increasing year by year.
After reading the terms, senior sister found that the effective coverage of Xiduoduo No.2 lifelong care insurance can be increased year by year. Although for the first policy year of the contract, the effective insurance amount is the same as the basic insurance amount. Only from the second policy year, the effective insurance amount of each policy year will increase year by year with 3.5% annual compound interest on the basis of the basic insurance amount.
The payment of nursing insurance and illness death insurance of this product will provide effective insurance protection. If the insured can reach the long-term care status agreed in the contract later, or die of illness later, the final claim will generally be higher if the claim conditions are met. However, senior sister should remind everyone that if the insured amount decreases, the effective insured amount of the contract will be adjusted according to the proportion of the basic insured amount reduction.
The effective coverage of one type of insurance in the market will also increase, and that is the increase in whole life insurance. Friends can click on the link below to see the difference between whole life insurance and the increase in nursing insurance:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
Second, you must take a look at this before you apply for Xiduoduo No.2 lifelong care insurance!
After reading the above three points, I think everyone is familiar with this product. However, senior sister should remind everyone that we should pay attention to the waiting period before buying Xiduoduo No.2 lifelong care insurance.
According to the protection map, the waiting period of Xiduoduo No.2 lifelong care insurance is set to 180 days. You know, at present, the waiting period of some lifelong care insurance on the market is set at 90 days.
Generally speaking, the waiting period refers to a period of time after the contract takes effect. If the insured is in danger due to non-accident during the waiting period, the insurance company will not bear the responsibility. Therefore, for the insured, the shorter the waiting period, the more humane it is. Understand that the shorter the waiting period, the sooner the insured can get full protection.
Generally speaking, the waiting period of Xiduoduo No.2 lifelong care insurance is 1.80 days. Although it covers a wide age range, it is allowed to reduce the coverage, and the effective coverage will increase year by year. Little friends don't have to rush to start this product. You might as well look at other similar products with better protection on the market, and then choose the right one to insure according to your own needs.
Of course, in addition to Xiduoduo No.2 Lifelong Care Insurance, there is also an added whole life insurance list, which is full of products worth buying. Friends in need can refer to:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
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