Darwin series products have always had a high reputation in the critical illness insurance market.
Not long ago, the new Darwin No. 9 has a maximum payment period of 35 years, which can effectively alleviate the payment pressure; It is also more eye-catching in terms of payouts.
Recently, Darwin 9 has reached the next level.
This product is expected to relax the health notice from May 17,
After the adjustment, more people are supported to take out insurance, especially those with abnormal health.
Let's take a look with Dad.
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01
What was relaxed on Darwin 9?
Darwin No. 9 health notice adjustment,
Here are a few of the relaxed underwriting conditions:
Let's take a look at the first item first,
Cardiac insufficiency is a symptom caused by the decrease in the contractility of the myocardium due to various reasons, which reduces the forward blood output of the heart and causes blood stagnation in the systemic or pulmonary circulation.
Cardiac insufficiency is divided into four grades, with the higher the grade, the more severe the condition.
Generally speaking, many products are directly denied insurance for people with cardiac insufficiency, but Darwin No. 9 relaxes underwriting, that is, people with cardiac insufficiency below level 2 also have the opportunity to underwrite.
Let's take a look at the third item.
Pregnancy test abnormalities include many conditions, such as abnormal fetal development, abnormalities of the umbilical cord or placenta, fetal malformations, polyhydramnios or oligohydramnios, and so on.
The underwriting of Darwin No. 9 has been relaxed, changing "abnormal pregnancy test" to "having complications during pregnancy", and if there are other conditions with abnormal pregnancy tests, there is also a chance to underwrite.
The fourth item mainly adds some common diseases, such as threatened miscarriage, caesarean section, acute upper respiratory tract infection, angina, etc., which can also be insured normally.
On the whole, the underwriting content of Darwin 9 is not much this time, but it is relatively friendly to female friends and children.
In addition, we should also pay more attention to health notices in the process of applying for insurance with illness, and if you need assistance with underwriting, you can click here to make an appointment for a free consultation
02
What are the highlights of Darwin 9 Critical Illness Insurance?
Let's take a look at the basic information of the product first:
Note: (1) The promotion period in the table is six months before the date of product launch.
Darwin Critical Illness Insurance No. 9 provides coverage for people under the age of 55.
At the same time, the waiting period is 180 days, and the current maximum configurable sum insured is 600,000.
Darwin Critical Illness Insurance 9 is very rich in coverage, covering 108 critical illnesses.
In addition, it provides additional coverage for 35 moderate and 40 mild symptoms.
Here's a look at the highlights of Darwin 9 Critical Illness Insurance:
1. The first in the market, the restriction on mild/moderate disease grouping after severe illness is abolished
At present, most of the products on the market are not compensable for mild and moderate illnesses of different groups after critical illness.
(List of Disease Grouping of a Critical Illness Insurance)
If Xiao Liu takes out one of the above critical illness insurances, after the occurrence of cancer, he unfortunately suffers from carcinoma in situ, and then unfortunately suffers from carcinoma in situ, he will not be able to get compensation.
But Darwin 9 Critical Illness Insurance breaks this limitation:
After the critical illness claim is paid (90-day interval), there is no restriction on mild/moderate illness grouping, which greatly improves the level of compensation and protection.
2. Abundant optional responsibilities to meet individual needs
In addition to the above-mentioned illness coverage, Darwin 9 Critical Illness Insurance also provides seven optional liabilities,
Including death benefit, hospitalization allowance, critical illness multiple claims, etc., to meet the individual needs of different insured groups.
In particular, Darwin No. 9 Critical Illness Insurance has a critical illness premium compensation benefit.
If a critical illness occurs during the premium payment period, the insurance company will pay additional premiums paid, which provides better protection.
3. The premium is cheap and friendly to people with limited budgets
In terms of premiums, the premium standard of Darwin No. 9 Critical Illness Insurance has been reduced compared with similar products:
30 years to pay, life-long insurance, 500,000 insurance amount, 5,255 yuan for 30-year-old men; 4,890 yuan for a 30-year-old woman.
It is only four or five hundred yuan per month, and you can get comprehensive disease protection for one meal.
For those who are new to work and have a limited budget, Darwin 9 is a great choice.
03
Daddy concluded
Darwin No. 9 not only has a big breakthrough in the original basic liability, but also has innovation in optional liability, and the premium is also relatively cheap compared to similar products.
Moreover, the relaxation of underwriting has also added a lot of points to the product itself, and it is also a good underwriting opportunity for households with difficulty in insurance and non-standard people.
If you have an abnormal body and want to choose a suitable product, you can click here to consult us