The life pressure of middle-aged people is particularly prominent in today’s society. They have elderly parents and young children to take care of, and they have to pay mortgages and car loans. They dare not rest or get sick. This is the true portrayal of many middle-aged people.
When it comes to buying insurance, many middle-aged people first consider their children, then take care of the elderly, but ignore themselves, or think that they are young and strong and do not need protection. But in fact, it is this group that has the weakest protection and the strongest demand for critical illness insurance.
However, how should adults buy insurance? What products are worth buying? This has to mention the newly upgraded Super Mario No. 11 critical illness insurance that we are going to talk about today. Let’s talk about what upgrades Super Mario No. 11 critical illness insurance has today ? How to buy adult critical illness insurance in 2024 ?
Super Mario 11
1. What are the upgrades to Super Mario No. 11 critical illness insurance?
Let’s first use a picture to look at the coverage of Super Mario No. 11 , and then do a detailed analysis:
Super Mario 11
The insured age for Super Mario No. 11 is from 28 days old to 50 years old, and the coverage period can be selected to be up to 70 years old / lifetime. The insured occupations are 1-4 , and there are multiple payment periods to choose from, with a maximum payment period of 35 years, which reduces the payment pressure.
Compared with Super Mario No. 10 , what upgrades does Super Mario No. 11 have? Let’s take stock.
1. Malignant tumor insurance premium upgrade
The main insurance liability of Super Mario No. 11 critical illness insurance has added an extended insurance benefit for malignant tumors. It does not need to be specially added like Super Mario No. 10. Instead, the main insurance liability comes with this protection liability, which is very cost-effective.
2. Disease care fund upgrade
Super Mario No. 11 ‘s disease care benefits have also been upgraded. If a serious illness is diagnosed before the age of 60 , an additional 80% will be paid , and if a moderate illness is diagnosed, an additional 40% will be paid . In other words, if a moderate illness is diagnosed and the disease care benefits are attached, you can get up to 100% of the insured amount, and the serious illness benefit will still be valid!
3. Optimization of the age of secondary serious illness
Super Mario No. 11 has the optional “secondary critical illness protection”, which extends the judgment age of the first critical illness from ” 60 years old” to ” 65 years old”, and can cover the same disease . In other words, the compensation period may be longer, which is in line with the current trend of people’s longer and longer life expectancy. In addition, the probability of compensation is also increased, which is very practical for middle-aged people with heavy family responsibilities.
4. The premium of the primary insurance is cheaper
If Junlong Super Mario No. 11 Critical Illness Insurance does not add supplementary insurance liability, then the premium of its main insurance will be cheaper than that of Super Mario No. 10 Critical Illness Insurance, and it will be more cost-effective, which is equivalent to a “price reduction”.
Super Mario No. 11 has flexible payment options
5. Added secondary cardiovascular and cerebrovascular protection
Super Marie No. 11 Critical Illness Insurance has added a second compensation for cardiovascular and cerebrovascular diseases. After the initial diagnosis of a critical illness, if 10 specific cardiovascular and cerebrovascular diseases are diagnosed again, an additional compensation of 120% of the insured amount can be paid!
In fact, from these we can see that the upgrade of the Super Mario series is very sincere. It gives everyone more care in terms of protection, makes critical illness insurance more practical, and fully plays the role that critical illness insurance should play.
Super Mario 11
2. How to buy adult critical illness insurance in 2024 ?
From Super Mario No. 11 , in fact, many friends also have questions, how should they buy adult critical illness insurance?
At the beginning of 2024 , many popular critical illness insurance policies on the market have been upgraded, or even upgraded more than once, which makes it inevitable that everyone feels a little dazzled when purchasing critical illness insurance.
In fact, the logic behind adults buying critical illness insurance is not difficult. The first thing is to buy enough coverage. If the budget is limited, you can remove some additional liabilities and focus on basic major illness coverage. Only sufficient coverage can make up for family income losses and play a protective role when the risk of critical illness comes.
If you are more worried about the risks of cancer or cardiovascular and cerebrovascular diseases, you can add this part of the responsibility. In short, the correct order of configuration is to first provide adequate protection for the family’s economic breadwinner, and then consider children and the elderly.
Conclusion
The above is the complete answer to the following questions: What are the upgrades of Super Mario No. 11 critical illness insurance? How to buy adult critical illness insurance in 2024 ? If you have any questions about Super Mario No. 11 critical illness insurance, or want to tailor a suitable protection plan according to your own situation, you can consult Kaixinbao online consultants to get 1- on -1 exclusive services.
