People come early in the spring, the serious illness insurance market in February is revitalized, and the perfect life guardian 2022 exclusive customization of sycamore tree is also a new force in the New Year insurance market. The protection of heavy, medium and mild diseases, the additional compensation of explosions, the icing on the cake of children's special diseases + elderly diseases, all can fight...
Perfect Life Guardian 2022 will extend the insurance age to 60 years old, and the current opening policy can invest up to 660,000 yuan, and the high protection at all stages of life can be put in place in one step.
The growth stage is sufficient
Leukemia is a malignancy common in children. According to the statistics of the "National Children's Cancer Surveillance Annual Report 2020" released by the National Children's Cancer Surveillance Center, "Leukemia is still the most common major malignant disease in children, accounting for 57. 21％”。 According to earlier data from the National Health Commission, about 15,000 children with leukemia are new to children under the age of 18 every year.
But childhood leukemia is not an incurable disease, and most can be cured. However, the cost of chemotherapy, radiotherapy and targeted drug treatment for leukemia is extremely high, the treatment cost is about 400,000, if the treatment requires stem cell transplantation, the high cost of treatment makes many ordinary families prohibitive.
With high incidence, cure rate, and high treatment costs, Perfect Life Guardian 2022 uses its super protection to care for young children's leukemia and protect the healthy growth of children, which comes with 10 kinds of children's special disease protection, as follows:
If you are diagnosed for the first time before the age of 18, more than 10 children's special diseases, including leukemia, you can pay up to 260% of the sum insured! Insured 300,000 sum insured, diagnosed with special diseases of children before the age of 18, the highest compensation can be 780,000!
For sick families, these 780,000 can solve many problems, not only to supplement medical expenses, but also to make up for the loss of income of parents, and play a positive role in the follow-up treatment of children.
Middle-aged people struggle with confidence
Adults' struggle period is often because of fast-paced work, lack of exercise, irregular diet and rest, etc., resulting in health problems, serious will evolve into serious diseases, treatment costs are higher, let's take a look at the average treatment cost of high-incidence serious diseases in daily life:
From the above table, it can be seen that once you suffer from a serious illness, it is basically 100,000 yuan, and even more requires continuous expenditure of more than 100,000 yuan per year.
If a 40-year-old man, old and young, has an annual income of 200,000 yuan, but unfortunately falls ill due to illness. It takes 200,000 yuan to treat the disease, plus the loss of income in the 2 years of treatment is 400,000, and the cumulative loss is more than 600,000. During this period, there are also children's education expenses, family daily living expenses, and even some mortgages and car loans, all of which need to be solved with money.
Assuming he plans ahead, then the situation is different after the illness. At the age of 30, the man started a perfect 200,000 sum insured of 400,000 yuan, choosing to pay for 30 years, with an annual premium of 5476 yuan. After being diagnosed with a serious illness agreed upon in the contract for the first time at the age of 40, he paid a one-time compensation of 720,000 yuan, which not only reduced the cost of disease treatment, but also solved the expenses in the family!
His insurance only cost more than 50,000 yuan, but it leveraged more than 700,000 claims, which shows the protection leverage.
Elderly protection is more powerful
In old age, not only malignant tumors and cardiovascular and cerebrovascular diseases are high, but also two major diseases that seriously threaten the health of the elderly, that is, Alzheimer's disease and Parkinson's disease.
For malignant tumors and cardiovascular and cerebrovascular diseases, Perfect Life Guardian 2022 is flexible in setting, and you can choose secondary compensation according to your needs, and the proportion of secondary compensation is as high as 150%, which is very strong!
The following mainly talks about Alzheimer's disease and Parkinson's disease, see why Perfect Life Guardian 2022 is set as a guarantee, and do they have practical value?
Alzheimer's disease is what we commonly call "Alzheimer's disease", according to the "2019 World Alzheimer's Report" estimates that there are 15.07 million dementia patients aged 60 and above in China, of which Alzheimer's disease is 9.83 million, and the prevalence of mild cognitive impairment is 15.54%, behind this huge number, is the dilemma faced by countless families.
Parkinson's disease, known as the "third health killer" of middle-aged and elderly people, is the second most common neurodegenerative disease after Alzheimer's disease. The older the age, the higher the incidence, the incidence is as high as 10% in the elderly over 75 years old, and the most common symptoms are muscle tremor, bradykinesia and so on.
At present, both diseases are incurable, and once they are sick, it will be a protracted battle with the disease. Patients will slowly lose the ability to take care of themselves, daily diet and living need to be taken care of, but also need continuous rehabilitation treatment, need to have a strong economic foundation to support.
For these two diseases with high incidence of old age, Perfect Life Guardian 2022 can not only pay up to 180% of the sum insured before the age of 60, but also up to 180% of the sum insured after the age of 60. If you insure 400,000 yuan, you can pay up to 720,000 yuan for any of these two diseases, which can better solve the economic problems after the disease.
With the development of the times, people's life expectancy is a big trend, the future of people's later life, the possibility of disease accompanying people to survive is very high, perfect life guardian 2022 in the forefront will be guaranteed to do enough, care for the elderly population, very powerful!
Perfect Life Guardian 2022 can be said to be the "top student" in the serious illness insurance industry, not biased, and can achieve excellent results in disease coverage, coverage of the population, additional responsibility collocation, premium and other aspects. In particular, its comprehensive protection and high compensation ratio make the old, middle, young and old stages of life get perfect protection, worthy of the fine serious disease, worthy of the choice!