In China, a healthy life is only guaranteed by the insured; The insured can get protection through additional insurance. If you want to know about this product, please take a look at my simple analysis:
This product was very popular when it first came out. Why are you being spit out now? The answer is that this product is a bit out of date. Why is this? Let's take a closer look at the content of this product.
1. Critical illness protection: this product covers 77 diseases, and it is ok to pay once. It is worth noting that this product can be set up to 500 thousand, which is quite good.
2. Mild illness protection: the uncomfortable point is coming! This product is not guaranteed by Chinese medicine! It is generally recognized in the market that there should be at least twice the compensation and 50% compensation ratio, which is undoubtedly what we should talk about. Let's look at the content of mild symptoms. This insurance will pay for five minor illnesses! From an objective point of view, this would have been very good. The bad thing is that the proportion of each payment is only 20%, which is really not high. But the popular products on the market are all based on 30%.
3. premium: this product requires us to pay more than 10 thousand premium every year. We can buy more abundant products at the same price.
4. Others: This product contains minor illness exemption, and the insured exemption clause can be attached. Mild illness exemption means that the remaining premium is not paid after suffering from mild illness, and the contract continues to take effect, so is the exemption of the insured. This is a relatively common clause.
Due to space reasons, I can only introduce it here. Do you still want to see the true face of China's healthy life? You can read my article ~ How is life in China? Do you have any insurance recommendations?
Summary: Generally speaking, this product is of medium level, not particularly good. I just wrote a ranking some time ago, which contains the latest popular critical illness insurance products. I don't need to say more, just read this article directly! Top Ten Insurance Companies "Worth Buying" Hot Critical Illness Insurance Inventory!