We can compare the preferred version of Huaxia Evergreen with a variety of critical illness insurance, see its performance, and then look at the evaluation to deepen the impression: the preferred version of Huaxia Evergreen is comprehensively compared with the popular 136 critical illness insurance in China.
1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
First of all, what are the specific guarantees for Huaxia Evergreen Preferred Edition?
As can be seen from the figure, there are many pei payments for the critical illness protection of Huaxia Evergreen Preferred Edition, including not only the basic protection content of minor and severe illness protection, but also the death protection. , very rich. What are its advantages and disadvantages? Come and have a look with the seniors.
Advantages of Huaxia Evergreen Preferred Edition:
In fact, the most prominent feature of Huaxia Evergreen Preferred Edition is that it can return the premium. Some people think this insurance is very suitable because they have paid so much money, but in the end, they have no claim and spent money in vain. After all, for many people, the premium pressure of decades and thousands is really not small.
The premium of Huaxia Evergreen Preferred Edition can be refunded, which is very good. Most importantly, the price of this product is more advantageous than other cashback critical illness insurance, less than 10,000 yuan.
After all, 400,000 insurance /80-year-old /30-year-old men will spend 9,600 yuan a year in the case of caring for the Three Gorges. In contrast, the price of Huaxia Evergreen is more advantageous in this case, and its price is 7824 yuan.
Disadvantages of Huaxia Evergreen Preferred Edition:
This product can only be guaranteed for 80 years, which is its shortcoming. 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.
Moreover, this is only an average, and many people far exceed the life expectancy data shown in this data.
Our medical technology is constantly improving, and our life will be longer and longer. Therefore, ensuring that you are 80 years old may not guarantee you a lifetime.
Most importantly, the older you get, the greater the risk of serious illness. Let's take a closer look at the picture below.
You can't say that at the age of 80, you unfortunately got a serious illness and gave up treatment. If you are unfortunately suffering from a serious illness in the future, having a serious illness insurance can also reduce the pressure on your child. Therefore, the senior sister will advise everyone to give priority to lifelong protection when the budget is sufficient, but the preferred version of Huaxia Evergreen has no option of lifelong protection, so it is not very friendly to those who want long-term protection.
Moreover, there are still many shortcomings in Huaxia Evergreen Preferred Edition. For more details, please click on this dry goods: 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 the preferred version of Huaxia Evergreen Tree is worth recommending depends on the actual insurance demand of the insured.
If you read the above, you are still willing to buy the returned critical illness insurance after you clearly understand the shortcomings of the returned critical illness insurance, and you don't mind that the insurance period of Huaxia Evergreen is only 80 years, and you only need basic protection. Senior sister thinks that the price of the preferred version of Huaxia Evergreen Critical illness insurance is still advantageous in Peijiao critical illness insurance, so you can consider buying it.
However, it is a person who pursues more comprehensive protection and best covers his life, and Huaxia Evergreen Preferred Edition obviously does not meet this demand.
Seriously, this price can buy lifelong critical illness insurance, and there is still a lot of money left. Who would want to choose critical illness insurance only for 80 years old? What are the cost-effective critical illness insurance? For information about these products, you can read the following article to find out: the new definition of critical illness insurance pk, the most worth buying is actually these ten models!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!