After watching the Super Mario Multi Edition Max Critical Illness Insurance of Little Umbrella, has

There are bought here. I have bought accident insurance and children's critical illness on a small umbrella before, and there are 10,000 yuan protection, only 10,000 yuan protection has made a claim, and there are customer service staff to assist in guiding the claim, and the process is quite smooth. I have also been paying attention to this little umbrella Super Mario multi-fold version of max critical illness insurance recently, many articles say that the health notice is very relaxed, I have high blood pressure myself, I don't know if I can buy it, and I bought it if the underwriting can pass.

Hello, Super Mario Critical Illness Insurance Multi-Fold, also known as Three Gorges Fubei Insurance, is a grouped multi-claim whole life critical illness insurance product launched by Three Gorges Life.

Detailed evaluation of this product: "Three Gorges Life Fubei Double Insurance Advantages and Disadvantages Understanding!" 》

Let's start with a review of the basics of this product:

Yu Daddy Bao.

Basic coverage

This product includes critical illness, moderate and mild illness benefits, all of which are paid multiple times.

(1) Critical illness benefit

Super Mario Critical Illness Insurance Multi-Fold-Max covers 120 critical illnesses, divided into 6 groups, diagnosed with critical illness, eligible to pay the basic sum assured, but before the age of 60 and is diagnosed for the first time, an additional 50% can be paid, for a total of 150%.

For example, Mr. A applies for Super Mario Critical Illness Insurance Multi-fold Max and chooses 500,000 sum insured, and is diagnosed with a critical illness for the first time before the age of 60, and can get a one-time compensation of 750,000 yuan if he meets the conditions.

(2) Moderate to mild illness benefit

This product also pays for mild illness multiple times, but unlike critical illness, moderate and mild illness is paid multiple times without grouping, of which moderate illness is paid 2 times, and the compensation ratio is 60%, while mild illness is paid 3 times, and the compensation ratio is 45%.

3.Miscellaneous

This product has the option of secondary claims for cancer and specific cardiovascular diseases, which pay 120% of the basic sum assured.

The interval between secondary claims for cancer is 3 years, and the interval for specific cardiovascular claims is 1 year.

In general, Super Mario Critical Illness Insurance Multi-Folded MAX coverage is more comprehensive, and the proportion of compensation for moderate and mild illnesses is relatively high, but as a critical illness insurance with multiple claims, we should pay attention to its coverage of high-incidence diseases.

Super Mario Critical Illness Insurance Multi Edition MAX is a whole life critical illness insurance product with multiple claims in groups, and it is different from the previous product in terms of both the underwriting company and the number of claims. For the age of application for this product, as well as the coverage coverage, please see here: "Super Mario Multi Times Critical Illness Insurance Terms Analysis".

1.What is the classification of high-incidence critical illness

This product is grouped for multiple claims, so we need to pay attention to whether the grouping is reasonable.

Before solving this problem, we need to figure out how critical illness grouping works.

The popular understanding is that the insurance company divides the more than 100 diseases covered into multiple groups according to certain rules, and generally one group only pays once.

In this way, the most beneficial grouping for the insured is to put the high-incidence critical illness into different groups, which can improve the probability of receiving compensation.

Next, let's take a look at the critical illness grouping of Super Mario Critical Illness Insurance Multifold MAX:

Yu Daddy Bao.

It can be seen from the ** that the most common malignant tumors are in a separate group, and they are not put together with other high-incidence serious diseases, and the grouping is more reasonable.

2.How is the coverage for high incidence of moderate to mild illness

Yu Daddy Bao.

It can be seen that this product has a total of 11 types of coverage for high-incidence moderate and mild diseases, and most of the high-incidence moderate and mild diseases are covered.

In general, Super Mario Critical Illness Insurance Multi-Fold-Max has more comprehensive coverage, more reasonable grouping of high-incidence critical illnesses, and more comprehensive coverage of high-incidence moderate and mild illnesses, making it a relatively good multi-claim critical illness insurance product.

Small umbrella insurance is still very good, Super Mario No. 3 max critical illness insurance can be bought on the official website of small umbrella, can also be purchased through WeChat***, small umbrella was established in 2013, with online insurance brokerage platform as the business entry point, constantly expanding its territory in the market, creating a new model of insurance services, since its inception has been recognized by the capital market, and has successively received a number of well-known venture capital investment.

1v1 Claims Butler: For critical illness, death, disability, and millions of medical cases, there is an exclusive 1v1 claims butler to assist you throughout the process, you only need to call customer service as soon as possible to report, or you can click on your policy to apply for a claim, **Fill in the information and report with one click, after the report, there will be a one-to-one claims butler to contact you, follow up your case throughout the process, assist you in preparing claim information and communicate with the insurance company.

Report at any time 7*24 hours: For long-term products and millions of medical products, you can directly report on the small umbrella insurance platform, just like we buy things on Jingdong, you only need to apply for return and exchange on the platform with one click, **purchase**Report, save time and worry. For small cases, users can directly upload claim information, so there is no need to report the case.

Small umbrella insurance has always been loved by the majority of users, and many people have purchased a lot of cost-effective insurance products through small umbrella insurance.

For the newly launched Super Mario No. 3 MAX Critical Illness Insurance on Little Umbrella, you can choose to directly search for "Little Umbrella Insurance Official Website" on the mobile phone to purchase, or you can purchase it in the mobile phone ** "Little Umbrella Insurance" app.

Super Mario Critical Illness Insurance No. 3 MAX is a single claim critical illness insurance underwritten by Cindat Life, which was just launched in June this year. Although it is a newly launched product, it has already been blown out of the sky by various self-leaders. So what is the protection of this critical illness insurance, let's take a look:

Super Mario No. 3 MAX Critical Illness Insurance In-depth Evaluation, it didn't take long for it to be upgraded again!

1. What does Cindat Super Mario Critical Illness Insurance No. 3 MAX cover?

(1) Critical illness benefit

For 110 diseases, an additional 80% of the sum insured will be paid before the age of 60, that is, if you insure 500,000 yuan of the sum insured, you can get 900,000 yuan of protection if you suffer from a critical illness for the first time before the age of 60.

At present, the critical illness payout of Cindat Super Mario Critical Illness Insurance No. 3 MAX is the highest in the market.

(2) Moderate to mild illness benefit

25 types of moderate illness benefits, 60% of the basic sum assured; 50 types of minor illness benefits, 45% of the basic sum assured.

However, there is a provision in the MAX clause of Super Mario Critical Illness Insurance No. 3 that an additional 15% of the basic sum insured can be paid if the patient is diagnosed with a moderate illness at the age of 60, that is, 75% of the sum insured; For mild illness, an additional 10% will be paid, which is 55% of the basic sum assured.

Super Mario Critical Illness Insurance No. 3 MAX also has good coverage for mild illnesses.

The high-incidence mild diseases are basically covered, among which the mild "minor stroke" corresponding to the high-incidence cardiovascular and cerebrovascular major diseases is compensated as a moderate disease, and the compensation ratio is high.

3. Additional benefits

Super Mario Critical Illness Insurance No. 3 Max can add additional benefits for cardiovascular and cerebrovascular diseases and cancer, paying 150% of the basic sum assured.

Among the supplementary benefits, Super Mario Critical Illness Insurance No. 3 MAX also has the highest payout ratio.

In terms of coverage period, Super Mario Critical Illness Insurance No. 3 Max can freely choose the term version of the insurance up to the age of 70 and the whole life policy.

Some friends don't know about the two types of critical illness insurance, regular and lifelong, which is more suitable for themselves, Daddy has told you the correct posture of critical illness insurance, Daddy will teach you a few tricks!

Summary:

Overall, the coverage of Cindat Super Mario Critical Illness Insurance No. 3 MAX is relatively comprehensive, and the rate is not high when choosing the regular version, which is very cost-effective.

And it also has a high payout ratio of additional benefits, so if you're looking for a critical illness insurance with comprehensive coverage and good value for money, Super Mario Critical Illness Insurance No. 3 MAX is still worth considering.

Of course, it is not enough to rely on critical illness insurance to protect comprehensively, and the combination of medical insurance, critical illness insurance, accident insurance, and life insurance can form a three-dimensional and perfect protection system to better resist external risks.

Hello this friend, Super Mario Critical Illness Insurance No. 3 MAX is a cost-effective critical illness insurance product, known as the king of cost performance with additional claims higher than the ceiling price. So what is the specific nature of this product, and how many mild symptoms are included, Daddy will tell you.

Before understanding this product, it is best to learn how to apply for critical illness insurance: "The correct posture for critical illness insurance, dad will teach you a few tricks!" 》

Let's put Super Mario II and III together for comparison:

1. Critical illness benefit: 180% of the sum insured can be paid if the critical illness is diagnosed before the age of 60, otherwise 100%;

2. Mild illness protection: an additional 10% of the sum insured will be paid before the age of 60;

3. Moderate illness benefit: an additional 15% of the sum insured will be paid before the age of 60.

4. Other optional liabilities: 150% of the second compensation for cancer and the second compensation for both cardiovascular diseases

The eye-catching, especially the 180% critical illness payout, is really a mountain in its class.

If there are advantages, there will inevitably be a little disadvantage, and no product is perfect for everyone. The details of the product, such as: severe type I diabetes claims, high requirements for secondary compensation for stroke, lack of diseases in the mild part and so on.

The level of protection is arguably the most comprehensive of them all, but compared to the popular single-claim critical illness insurance products on the market, the premium** of Super Mario 3 MAX is indeed a few hundred dollars more expensive. In terms of security, it is still worth spending a few hundred dollars more. After all, its value for money is super high.

If your budget is really limited, you can choose Guofu Life Jiahebao, which has the cheapest premium without death liability, and the basic protection is also included.

If the budget is not so high, you can consider Guofu Life Jiahebao, which has the cheapest premium without death liability, and the basic protection is also included. So here comes the detailed Guofu Jiahe Bao review: "How about Guofu Jiahe Critical Illness Insurance?" Detailed Product Analysis".

We can see that compared with similar products, the Super Mario 3 MAX is already relatively expensive, but there is no doubt that its protection can be said to be the most comprehensive among them, and it is worth starting. Even if you spend a few hundred yuan more, you are still more at ease.

As you can see from the figure, there are 50 types of mild illnesses included in Little Umbrella Super Mario Critical Illness Insurance No. 3 Max.

The Super Mario Critical Illness Insurance on sale on the small umbrella has this Super Mario No. 7 Critical Illness Insurance (Classic Version), and its critical illness second claim is an optional benefit, which needs to be added to enjoy this protection after you can enjoy this protection, and you can pay 80% of the basic sum insured if you meet the conditions.

After Super Mario No.7 Critical Illness Insurance (Classic Edition) is supplemented with the second critical illness benefit, if the first diagnosis of the contracted critical illness is made before the first policy anniversary (exclusive) after the age of 60 due to accidental injury or after the waiting period, and after the critical illness claim, the insurance company will pay the second critical illness insurance benefit according to 80% of the basic sum assured if the contracted critical illness is diagnosed again 3 years after the date of diagnosis of the critical illness.

In other words, if you buy 500,000 sum insured, the second critical illness insurance can pay 400,000 yuan.

For this product, those who want to know more about it can see:Super Mario 7 Critical Illness Insurance (Classic) Is the Critical Illness Insurance Ceiling? You'll know after reading it!

In addition to this optional benefit, the optional benefits of Super Mario 7 Critical Illness Insurance (Classic) include Sickness Care Benefit, Malignancy - Major Medical Allowance Benefit, and Total Disability Benefit.

It not only ensures the comprehensiveness of the protection, but also gives the policyholder the space to choose freely.

I have to say that Super Mario No. 7 Critical Illness Insurance (Classic Edition) is still relatively intimate in terms of protection liability.

In addition to this critical illness insurance, the following critical illness insurance policies are also worth paying attention to:Top 10 Popular Critical Illness Insurance Points Worth Buying!

That's all I've got on the issue, I hope it helps! Sun Xiang. Hope!

Little Umbrella Super Mario Critical Illness Insurance 2020max and Alipay Good Medical Insurance Long-term Medical Insurance are two of the most cost-effective ones I selected after comparing a variety of products on the market.

Little Umbrella Super Mario Critical Illness Insurance 2020MAX, underwritten by Cindat Life, can insure 185 diseases, including 110 critical illnesses, which can pay an additional 50% of the sum insured before the age of 61; 50 types of mild diseases, 3 times without grouping, 45% of the basic sum insured each time; 25 types of moderate diseases, 2 claims will be paid without grouping, 60% of the basic sum insured each time; After the claim for mild or moderate illness is settled, the subsequent premiums can be waived, and the critical illness protection is still effective, which is very cost-effective!

In terms of premiums, only buy the main insurance of critical illness + moderate illness + mild illness, regardless of a 28-year-old woman, you can buy 300,000 yuan, 1,818 yuan.

In addition, Little Umbrella Super Mario Critical Illness Insurance 2020MAX also has a green pass service for medical treatment, which includes: outpatient appointment service, surgery appointment service, transportation subsidy, second consultation, expert follow-up service, etc., real small services to solve big problems.

Alipay's long-term medical insurance, Ant Insurance's product with the highest attention, is a star product in the million medical insurance market, with a maximum insurance amount of 4 million, underwritten by PICC Health. The insurance liability includes 2 million for general medical treatment, 4 million for 100 critical illnesses, 10,000 deductibles, which can be shared for 6 years, and 100% payment for proton heavy ions**.