If we talk about the most competitive critical illness insurances currently on the market, the Darwin and Super Mario series undoubtedly rank at the forefront!
Recently, the Super Mario series has upgraded to Super Mario 11 Critical Illness Insurance. Not only does it offer increased basic coverage at a lower price, but it also provides a wide range of optional benefits, enhancing its cost-effectiveness.
So, is the Junlong Super Mario 11 Critical Illness Insurance practical? How are the premium prices?
Super Mario 11
1. Is Junlong Super Mario 11 Critical Illness Insurance Practical?
First, let’s look at the coverage structure of this product, as shown below:
Super Mario 11 Coverage Structure
Junlong Super Mario 11 provides coverage for individuals aged 28 days to 50 years in Classes 1-4. It offers both term and lifetime versions, with coverage up to age 70 or for life. Payment terms range from 10 years to 35 years, providing flexibility to match different needs.
Next, let’s examine the practicality of the Super Mario 11 coverage responsibilities:
1. Moderate Diseases – Maximum Payout 100%
Super Mario 11 includes coverage for moderate diseases with up to 6 claims, each paying 30%/60% of the basic coverage amount. Non-group moderate diseases continue to be covered after a critical illness claim.
After a critical illness claim, the first occurrence of a moderate disease receives an additional 40% of the basic coverage amount, cumulating to 100% when combined with the base amount. Moreover, the 90-day waiting period for payouts has been eliminated, increasing the likelihood of payouts after a critical illness.
Super Mario 11 Moderate Diseases Coverage
2. Malignant Tumors – Severe Extension Gold as Basic Responsibility
Upon initial diagnosis of carcinoma in situ or mild cancer, an additional 100% of the basic coverage amount is paid upon diagnosis of malignant tumors – severe, an increase of 50% over previous coverage, enhancing cancer protection and payouts.
Furthermore, this responsibility has shifted from optional to mandatory, with a reduced price, achieving higher value with enhanced coverage!
3. Stronger Cancer Protection
Super Mario 11 also offers optional benefits such as malignant tumor – severe medical allowances and multiple payouts for malignant tumors – severe, combined with malignant tumors – severe extension gold, providing comprehensive cancer protection.
4. Second Critical Illness Age Optimization
Super Mario 11 offers optional “second critical illness coverage,” extending the initial critical illness assessment age from 60 years to 65 years! It covers the same disease again!
5. Additional Disease Care Fund, 100% Payout Even Without Critical Illness
Super Mario 11 increases the payout ratio of moderate disease in the disease care fund to 40% of the basic coverage amount. If a moderate disease is first diagnosed before the age of 60, combined with 60% of the basic coverage, a cumulative payout of 100% for moderate diseases can be achieved. In other words, even without a critical illness, a 100% basic coverage amount can be compensated. If a moderate disease occurs and the disease care fund is attached, the highest amount can be obtained is 100%. The . ihm darauf dass wxDefault auch
