I heard that Hengan Standard Life also has a long-term care insurance called Perseverance Care. I heard that the cost performance is high and the coverage is good.
Today, let's take a look at what's special about this product guarantee. Is it worth setting off a wave?
If you are in a hurry, you can click on the following link to view the fresh and hot professional evaluation:
"Hengan standard constant care long-term care insurance protection"? Is it worth starting with? 》
First, the long-term care insurance protection highlights are open!
Following the usual practice, friends will first look at the protection essence map of this product:
Looking at the above picture, we can see that the protection content of this product is not difficult, and it provides three kinds of protection: long-term care insurance, disposable care insurance and care insurance for serious complications of diabetes. It also includes the rights and interests of policy loans and insurance relief. The following senior sister will take you to understand the protection highlights of this product. Don't go away if you are interested!
1, and the guarantee period and payment period are flexible.
The protection period and payment period of the long-term care insurance for perseverance care are very flexible, and you can also choose to keep it until you are 80 or 90 years old. Now the payment period can be 5 years, 10 years, 15 years or 20 years. It's just that the payment period and the guarantee period are different, which can meet the needs of consumers with different consumption levels and is quite humanized!
2. The waiting time is very short.
The waiting period generally 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 generally does not bear the liability for compensation. But for the insured, the waiting period should be short rather than long.
It can be found from the security map that the waiting time of long-term care insurance for perseverance care is generally within 90 days. Compared with those long-term care insurance whose waiting period is set to 180 days, the waiting period of this product is not long, which also shows that the insured can get full protection in a shorter time, and it is also a more friendly setting for the insured!
So there is no compensation for the accident during the waiting period? Don't worry, just read this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
3. One-time care insurance premium is sufficient.
According to the display of the security map, we can know that there are two kinds of one-time care insurance benefits for long-term care insurance, namely, one-time care insurance benefits for specific diseases and one-time care insurance benefits for accidental disability.
If the insured meets the payment requirements of long-term care insurance for specific diseases or long-term care insurance for accidental disability as agreed in the contract for the first time, then the insurance company will also make claims with the premium paid. In other words, if it is within the scope of claims, the insured can not only get long-term care insurance money, but also get more money!
Based on the above factors, the protection of long-term care insurance is still very rich.
But before buying this product, we should discuss the following key points!
Second, you must read this before applying for long-term care insurance!
The specific significance of the exemption clause lies in the contents or situations in which the insurance company does not bear the insurance liability, which usually includes the insured's injury to the insured, drug abuse, suicide, drunk driving, riots, nuclear pollution and so on.
Therefore, from the consumer's point of view, the fewer exemption clauses, the better. At present, the exemption clauses of long-term care insurance are as many as 13, which is quite a lot. Compared with similar products with 8 or 9 exemption clauses in the market, the exemption clauses of this product are not very friendly to the insured.
If you don't know how to view the disclaimer, don't miss this article:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
To sum up, persistent long-term care insurance is generally cost-effective. Although the guarantee period and payment period are flexible and the waiting period is short, there are many exemption clauses.
There are many satisfactory long-term care insurance products on the market. Friends may wish to compare and see which one is more suitable for them, and then it is not too late to insure!
Write it at the end
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