Can you report throat polyps in Jinyou Life Insurance

Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is the most discussed, and I have compiled the most comprehensive critical illness insurance comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

Jinyou Life Insurance does not pay for laryngeal polyps. This disease is not covered by the protection of Jinyou Life, many people think that the insurance can pay for any disease, but in fact, it is not, today I will talk about Jinyou Life in detail, and I will understand after reading it.

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it has never stopped being complained about. Read this article to learn more:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

Judging from the content of the analysis, it is not difficult to find that the person who complains is not talking nonsense, it still has many shortcomings, such as the following shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 minor illnesses and pays 3 claims, only 20% of the basic sum insured is paid for minor illnesses. This is less than the 30% payout level on the market.

2. Lack of protection for moderate illness

At present, many critical illness insurance products can include moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

There are two types of dividends: annual dividends and terminal dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured will not be able to receive the dividends directly, but will accumulate them on the policy, which will increase the sum insured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, only one of these 3 bonuses will be paid.

4. Premiums are expensive

From the above**, we can know that a 30-year-old man who buys 500,000 insurance will pay it for 20 years and protect it for life, and the annual premium is close to 20,000, which is very high! It can be said that it is very expensive.

Summary: On the whole, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, if the budget is sufficient, you can choose a better one, it is recommended to read the list before choosing:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Laryngeal polyps are not a major disease and are not reimbursable.

Jinyou Life is a critical illness insurance, and only the critical illness agreed in the contract can be claimed, not reimbursed, so don't be confused. Unless there is additional inpatient medical treatment, the medical expenses of hospitalization can be reimbursed if there is an add-on, and it cannot be reimbursed if there is no add-on.