First of all, let's compare Huaxia Evergreen Preferred Edition with a variety of critical illness insurance to see its performance: Huaxia Evergreen Preferred Edition and the domestic popular 136 critical illness insurance comparison table.
1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
First of all, let's look at the specific content of Huaxia Evergreen Preferred Edition Guarantee:
As can be seen from the above figure, Huaxia Evergreen Preferred Edition's critical illness protection is paid more than once. Basically, the protection content that critical illness should include, including minor illness protection, serious illness protection and death protection, is still very comprehensive. What are its advantages and disadvantages? Let's take a look with senior sister.
Advantages of Huaxia Evergreen Preferred Edition:
The biggest advantage of Huaxia Evergreen Preferred Edition is that it can refund the premium. This is very suitable for people who want to buy critical illness insurance, but are afraid of wasting money. After all, many people will feel that the burden of paying premiums for decades and thousands will be very heavy.
The better thing about this product is that its premium can be refunded. The key point is that the price within 1 10,000 yuan is very competitive compared with other returned critical illness insurance.
But is this kind of returned critical illness insurance product really good enough for us to be guaranteed in Bai Piao? Don't think too much, because space is limited, so I won't say much here. If you want to know more, you can have a look: focus on it, please collect this knowledge of return insurance!
Disadvantages of Huaxia Evergreen Preferred Edition:
Senior sister thinks that the biggest disadvantage of Huaxia Evergreen Preferred Edition is that it only protects 80 years old. Some friends may think that they may not live to be 80. However, according to the data released by the National Health and Wellness Committee in 20 19, the average life expectancy of China people has reached 77 years, 73.64 years for men and 79.43 years for women. But there are still many people who far exceed this figure, because this is only the average life expectancy.
With the continuous development of medical technology, our life will be longer. Therefore, if you want to cover your life, don't choose to cover only 80 years old.
Most importantly, the older you get, the greater the risk of serious illness. Let's take a closer look at the picture below.
Then at the age of 80, unfortunately, he got a serious illness and he had to be treated. If you are unfortunate enough to get a serious illness in the future, the pressure of children's critical illness insurance will not be so great. This is why seniors generally recommend giving priority to lifelong protection when their own budgets are sufficient, but Huaxia Evergreen Preferred Edition cannot choose lifelong protection, which is undoubtedly not suitable for people who pursue long-term protection.
Moreover, there are still many shortcomings in Huaxia Evergreen Preferred Edition. Do you still want to know other contents of Huaxia Evergreen Preferred Edition? Click on this article immediately: Want to buy Huaxia Evergreen Preferred Edition? Read this article before making a decision!
Second, is the value of Huaxia Evergreen Preferred Edition worth buying?
Whether Huaxia Evergreen's preferred critical illness insurance is worth buying depends on the specific situation of the insured.
After reading the above, you are still willing to continue to buy the returned critical illness insurance after understanding the shortcomings of the returned critical illness insurance, and you only need the basic protection for mild and serious illness, and you don't mind that you can't guarantee your life. Senior sister thinks that among the multiple payment periodic critical illness insurance, the price advantage of Huaxia Evergreen Preferred Edition is still great, so you can buy it.
Write it at the end
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