As a star product for adult critical illness, Super Mario has gone through 16 iterations, and each iteration has won the favor of many users;
Therefore, in order to promote, there are often other critical illness insurance companies that "touch" Super Mario, saying that they and Super Mario are "fairy fights", "ace vs. ace" and the like.
Everyone measures the "good" and "bad" of the new critical illness insurance, and they also take Super Mario as the "ruler" - there is a new critical illness insurance to brag about! Take Super Mario and compare it~
My Super Mario is the ruler!
The following is based on real user reviews
Everyone ends up giving Super Mario a thumbs up!
1. Super Mario 10 has loose underwriting
When comparing the quality of critical illness insurance, there is a prerequisite: whether the user can buy it.
This mainly depends on the health notice and the easing of underwriting, if you study the content of the half-day protection, interpret the half-day terms, and finally can't buy, wouldn't it be in vain?
Old friends know that when we were in Super Mario 8, we had a Super Mario (easy core version), but when it came to Mary 9, the "easy core version" gradually faded out of our sight.
The reason for this is because the underwriting of Mary No. 9 and No. 10 is too lenient! Super Mario No. 10 suddenly looked back, and the "easy-core version" was actually me!
Support manual underwriting, leave no traces, except for the support of underwriting conclusions, additional fees, and those who have bought it say good!
The health notice has also been continuously polished, what is good about it, and I will directly show you the conclusion:
Passing underwriting is a prerequisite for purchase, and assisting in underwriting is an important part of our work, involving the subsequent rights and interests of users, as well as our professional ethics and bottom line.
However, I have recently seen some negative teaching materials, a certain new product critical illness in order to touch the porcelain Super Mario No. 10, painstakingly made a comparison table, but described a lot of false content, trying to mislead users through sales:
Hey, the Internet is not a place outside the law, and it is absolutely not okay to mislead users by selling!
We must not be negligent, but we must be careful to discern.
The health notice is introduced here, on the basis of being able to buy, let's take a look at the Super Mario's protection responsibility, why it can be so played~
Second, Super Mario 10 is well guaranteed and full of details
In terms of protection, critical illness insurance is now very "volume", with many types of diseases and high insurance amounts, such as common additional claims before the age of x, multiple claims for critical illness, and additional insurance for cancer, all of which are doing very well.
Through our interviews with product design teachers and the research of many sales and users, we found very important points:
1. Super Mario No. 10 has been compensated for the same and different critical illnesses many times, and users are favorite
Starting from the 5th, the Super Mario series has increased the liability of "multiple claims for the same critical illness". Once launched, it set off a trend in the industry——
People often think that suffering from multiple critical illnesses in a lifetime is too unlucky, and the possibility is not high, right? But you say that the recurrence of the same kind of critical illness is very likely!
So this responsibility has always been very popular, with a surcharge of 38% on Mary 9 and 34.5% on Mary 10!
Think about it, Super Mario No. 10, the second critical illness insurance money, buy 300,000 insurance at the age of 30, pay for life for 30 years, and only need more than 100 yuan for the addition, who can refuse it!
2. Super Mario No. 10 cancer has a short interval of "unlimited compensation" and high availability
Usually cancer patients are at high risk of recurrence and metastasis within 1~3 years after the end of treatment, considering this situation, even though most critical illness insurance requires a gap of 3 years, Super Mario 10 still adheres to the fine tradition of short intervals, and the interval for recurrence, persistence and metastasis of cancer is only 1 year.
Moreover, in order to meet the needs of different users, the responsibility of multiple claims for cancer is subdivided into cancer medical allowance and unlimited cancer compensation, and one of the two is supported.
The cancer medical allowance, which has been called the "floor price" by many external evaluation bloggers, can be compensated at the fastest interval of half a year, and the compensation ratio is 40%/50%/30% respectively, which is super cost-effective.
Whether it is a new, recurrent or persistent, metastatic cancer, the first 3 times will be paid according to the proportion of 40%/50%/30%, and every 3 years thereafter, you can continue to pay according to the proportion of 50%, so as to provide continuous financial support to the cancer family.
The two cancers are covered multiple times, which is not only comprehensive, but also very attractively priced.
Recently, some people are saying that Super Mario unlimited compensation "has to take a knife to take the diseased tissue or puncture and extract the fluid before each claim"!
It's all rumor!!
In response to this responsibility, the considerate Super Mario No. 10 has already helped users think about it, and when it is compensated many times, there is no need to do puncture and pathological biopsy: it only needs to be confirmed that the relevant treatment can be paid, and there are clauses to prove it.
When you buy products with multiple claims for critical illness/cancer, you can really pay attention to whether there is such a thoughtful writing into the terms like Mary~ It is more silky when making claims, so that you can really help people in need!
3. Super Mario 10 does not have three same clauses (two of them)
Friends who have studied the terms deeply know that many critical illness insurance companies will reduce their loss ratio through the "three same clauses", but for users, what is reduced is the availability of claims and the amount of compensation paid!
Therefore, for products with the same terms, we will advise users to be cautious!
Because Super Mario 10 does not have a three-same clause, I can only choose one to "touch porcelain" The terms of the new critical illness insurance will give you an explanation:
Source: Insurance clause No. X9
What are the implications of the three sameness clauses?
For example, last year's [liver failure] and this year's [liver transplantation], the critical illness insurance with the same clause can only be paid once, because they are all caused by the same disease.
Super Mario 10 does not have this "three-same clause", and the conventional different diseases are normal and multiple compensation. Not only that, but for the same disease, you can also pay multiple times, and it is difficult not to love.
4. Super Mario No. 10 has accumulated compensation for moderate and mild illness, up to 6 times
Super Mario 10 also has a small advantage, mild and moderate disease is combined with 6 times, most of the products on the market are moderate x times, mild y times, will not be counted together.
But no one knows when the risk will occur, and no one knows what the next disease will be, whether it will be mild or moderate?
5. Super Mario 10 has no geographical restrictions, and the maximum amount of insurance that can be purchased at the same age is the same
Generally, according to the level of economic development in different regions, combined with the insurance company's own risk control system, the maximum amount of insurance that can be insured by people in different regions will be limited;
This is a relatively common operation in medical insurance and accident insurance, and critical illness insurance sometimes makes a slight adjustment of the insurable amount according to the region.
However, Super Mario 10 takes into account that although the region is different, the cost of disease treatment will not be reduced a lot, and many friends take cross-regional treatment in order to enjoy better medical resources, so Super Mario 10 does not make geographical limits in order to allow friends in different regions to enjoy the same protection. On the contrary, XX9 limits the maximum insured amount of 100,000 yuan in the Northeast.
3. Write to the end
The Super Mario series, from health information, responsibility, to price, is sincere for users, and will inevitably live up to the name of benchmark.
We believe that there is no future for sales misleading, and if you want to win users, you must provide users with good products in a down-to-earth manner, after all, sincerity is the biggest "nirvana"!