My sister once told me with great concern that when we grew old, we would probably die of some kind of cancer. Hearing this, I felt an inexplicable sadness. But when you think about it, the probability of a major illness in a person's lifetime is also high, which means that everyone is at risk of experiencing a critical illness at some point in their lives.
The reality is that in modern society, people's lives are getting faster and more stressful, which leads to many people finding some problems in their annual physical examinations. Especially among young people, the rate of cancer is increasing year by year. If you don't have an insurance policy to cover you, once you suffer from a critical illness, hospitalization and subsequent ** expenses can really be overwhelming.
Therefore, I think everyone should buy a critical illness insurance policy for themselves. Guardian 6 Critical Illness Insurance is a great option. It has a variety of advantages, such as comprehensive protection, low claim threshold, and reasonable. Buying this insurance can provide us with strong financial support when we need it most, so we can have peace of mind** and not have to worry about medical bills.
First, this insurance product is very close to the people, and its cost performance is very competitive in the market. Compared with other products with a single critical illness claim, its** is more affordable. Taking the age of 30, life-long, and 500,000 sum insured as an example, the minimum basic critical illness liability is only 5,045 yuan a year, which is basically the same as the single critical illness claim in the market. However, Guardian 6 is able to provide 6 chances to pay, which undoubtedly provides consumers with more comprehensive protection.
The multi-claim design means that the insured can get more protection in the face of high-risk illnesses. The strength of this protection is incomparable to that of a single payout. For example, if the insured suffers from a critical illness that requires a long-term** or **, the design of multiple claims can ensure that they can also get additional benefits if further ** or ** are needed after the first ** ends, which undoubtedly brings more peace of mind and support to the insured.
In addition, multiple claims are designed with the complexity and diversity of the disease in mind. In real life, a person may suffer from multiple critical illnesses that may be related or overlap with each other. In this case, the design of multiple claims can ensure that the insured person receives more protection, regardless of whether they have one or more critical illnesses.
Second, the restriction of the three sameness clauses will be abolished, and the real critical illness will be compensated multiple times.
In the insurance industry, the three-in-one clause has always been regarded as a difficult point in the settlement of critical illness insurance claims. The three-same clause means that the insurance company will only pay for two or more diseases caused by the same disease, the same medical act or the same accidental injury accident caused by the insured. The existence of this clause has undoubtedly created a big protection loophole for the insured. However, the Guardian No. 6 Critical Illness Insurance breaks this restriction by canceling the common three-idling clause for multiple critical illnesses in a relatively rare way, and achieving true multiple critical illness protection.
This move of Guardian No. 6 Critical Illness Insurance not only expands the scope of protection, so that the insured can be fully protected in the face of multiple critical illness risks. Moreover, this change is more friendly to the insured, so that they will no longer have to worry about the restrictions of the three sameness clauses when facing critical illness. At the same time, it also provides greater peace of mind to the insured, allowing them to feel relied on in the face of life's uncertainties.
Third, protection: Guardian No. 6 is the first product on the Internet that can pay up to 120% of the basic sum insured for the first critical illness with the same insurance period. It can choose the critical illness care insurance benefit, which can pay an additional 20% of the basic sum insured for each critical illness, and the cumulative limit is limited to 6 times. In contrast, the industry's multi-claim critical illness insurance increases the sum insured from the second critical illness, while the Guardian No. 6 starts to increase the sum insured from the first critical illness, and the maximum basic sum assured can be paid for the first critical illness during the same insurance period. In addition, an additional 60% of the Basic Sum Assured will be paid for the first critical illness before the first policy anniversary of the age of 60 (limited to 1 time). This means that the first critical illness before the first policy anniversary of the age of 60 will receive a cumulative payment of 180% of the basic sum assured. This level of protection is truly impressive, and it fully demonstrates the care that Guardian 6 cares for the insured.
Fourth, ICU hospitalization care insurance benefits are included in the basic liability.
In the insurance industry, it is an innovation to include ICU inpatient care insurance benefits as a basic liability. This innovative initiative aims to provide the insured with more comprehensive and considerate protection, so that they can receive more timely and adequate compensation in the unfortunate event that they are admitted to the ICU.
If you stay in the ICU ward for 7 days due to non-critical illness, moderate illness, or mild illness, you will receive 30% of the basic sum insured for the ICU hospitalization care insurance benefit. This means that if the insured person is admitted to the ICU for reasons other than a major, moderate or mild illness, and the hospital stays for 7 days or more, they can receive a benefit equivalent to 30% of the basic sum assured. This method of compensation is different from the way in the market to pay hospitalization allowance according to the actual number of days of hospitalization, Guardian 6 is a one-time direct payment of 30% of the basic sum insured, which is more simple and straightforward, so that the insured can get compensation quickly.
Now you should know why we chose Guardian 6 Critical Illness Insurance, right?It's not just about being able to protect ourselves, but more importantly, we also want to provide a strong protection for our families. Guardian 6 Critical Illness Insurance not only provides you with the right and effective solution to help you better manage your health and finances.