The following sister will give you an in-depth evaluation! This article can help you get familiar with the popular critical illness insurance in the market in advance. Friends who don't know, come and see:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
I. Safety Analysis of Huaxia Evergreen (Classic Edition) 202 1!
Let's not talk about other aspects. Senior sister took you to understand the guarantee content of Huaxia Evergreen (Classic Edition) 202 1:
After reading the guarantee content, there will still be many friends who hold the same attitude as their seniors: Is the guarantee content of Huaxia Evergreen (Classic Edition) 202 1 too simple?
The security model of Huaxia Evergreen (Classic Edition) 202 1 is not rich enough. However, in order to take care of the friends who don't know much about critical illness insurance, Senior Sister briefly introduces Huaxia Evergreen (Classic Edition) 202 1.
1, insurance conditions
Huaxia Evergreen (Classic Edition) 202 1 provides insurance for customers aged 0-65, and the set range is still very reasonable.
In the final analysis, the highest age of most critical illness insurance on the market now is 60 or 55. In contrast, this Chinese evergreen tree (classic version) 202 1 is quite considerate to the elderly.
Of course, if the age range of critical illness insurance you want to insure is relatively wide, there are still many products like Huaxia Evergreen (Classic Edition) 202 1 that can meet this demand.
2. Guarantee content
Huaxia Evergreen (Classic Edition) 202 1 covers the protection of mild, moderate and severe diseases.
Among them, the proportion of compensation for serious illness is 100%, that for moderate illness is 50%, and that for mild illness is 30%.
To be honest, this is not a bright spot.
Everyone should know that most of the critical illness insurance has attached additional compensation for critical illness. For products like Versailles 1 critical illness insurance, if the insured is under 60 years old when he is diagnosed with a serious illness for the first time, he will get 100% coverage after suffering from a serious illness for the first time, and get an additional 80% coverage.
That is to say, when you bought 500,000 critical illness insurance and the above situation happened at the same time, Huaxia Evergreen (Classic Edition) 202 1 lost 400,000 less than Versailles 1.
400,000 yuan, for many people, is also a big expense?
In addition, at present, many critical illness insurances have 60% coverage, but this Huaxia Evergreen (Classic Edition) 202 1 has only 50% coverage, which is obviously insufficient.
3. Premium
According to the top protection map, it can be concluded that if a 30-year-old male is insured with a copy of Huaxia Evergreen (Classic Edition) 202 1, the insurance amount is 500,000, and the insurance premium is paid in 30 years, and the protection period is lifelong. The annual premium is as high as 9820 yuan, which is extremely expensive!
You have to understand that this type of critical illness insurance products, in fact, this product, in the market is about five or six thousand!
If you really can't find a cheaper one, choose the following critical illness insurance, and you won't suffer:
Ten cheap and excellent critical illness insurance inventory! 》
2. Is the value of Huaxia Evergreen (Classic Edition) 202 1 worth buying?
Knowing this, I think everyone has a deeper understanding of Huaxia Evergreen (Classic Edition) 202 1.
Except Huaxia Evergreen (Classic Edition) 202 1 has certain advantages in bowling, other aspects are a bit inferior.
Facing the critical illness insurance market in Long Hudou, critical illness insurance such as Huaxia Evergreen (Classic Edition) 202 1 can be seen everywhere in the market, which is really uncompetitive, so Senior Sister does not recommend you to choose this product.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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