But it has always been emphasized that the size of insurance companies is not our primary concern.
We should proceed from our own reality, combine claims service with product cost performance, and then choose products according to personal budget.
Let's start by telling you about its insurance products. Is it worth buying? And recently, the multiple Max version of health insurance has been launched. Just looking at the name feels like an upgraded version of health insurance, so let's see what it has upgraded.
What are the highlights of Max Edition of Kunlun Health Insurance? Compare the hot-selling critical illness insurance with multiple claims. Who should buy the Max version? Summary 1. What are the highlights of Max Edition of Kunlun Health Insurance? The insurance clauses in the Max version consist of life-long health insurance (multi-version) and 70-year-old health insurance.
In other words, the multiple Max version of health insurance has the guarantee responsibility of two products, and it is a multiple-paid critical illness insurance.
So what has it upgraded and what are its highlights? Let's compare Guardian 3 with Health Insurance 1.0.
The comparison table is as follows:
It can be seen that the multiple Max version of health insurance is basically similar to Defender 3 of the same company except for the upgrade of critical illness protection.
Upgrade of major disease support content
Max version of Kunlun Health Insurance has one more optional responsibility than Guardian 3: extra responsibility for serious illness.
In other words, with this additional responsibility, as long as the insured reaches the age of 70 for the first time, he can get an additional 50% of the insurance coverage.
If the insured is under 70 years old when he is seriously ill for the first time, and the period before the policy is 15 years, then the insured can get 200% coverage.
So what are the highlights of this product? Why not give everyone one:
Highlights:
1, strong compensation for serious illness. After the additional liability for serious illness is added, the multiple Max version of health insurance has a strong compensation for serious illness, and the maximum compensation can be 200%.
2. The coverage of high-incidence period and mild illness is wide. Judging whether the mild illness protection of a product is good or not, you can understand the coverage of the product for high-incidence period and mild illness.
If the coverage of high incidence and mild illness is more and the proportion of compensation is higher, then the protection of mild illness will be better.
If there are many kinds of mild diseases, but there is no guarantee for the high incidence of mild diseases, it is not practical to pay a higher proportion.
The coverage of high-risk and mild diseases in the multiple Max version of health insurance is good, and the specific high-risk and mild diseases are as follows:
Among them, unilateral pneumonectomy, sequela of cerebral apoplexy, and third-degree burns with small/poisoned area are defined as moderate diseases, and the proportion of compensation is higher, which is more beneficial to consumers.
3, children's specific disease protection performance excellent health insurance multiple Max version comes with children's specific disease protection, no need to add, the protection is more practical, basically covering children's high-risk diseases.
The list of specific diseases with multiple maximum limits of health insurance is as follows:
Among them, the red font part belongs to children's high incidence and serious diseases, as many as 15, so the performance of child protection is excellent.
4, optional malignant tumor treatment allowance
If the insured is unfortunately diagnosed with malignant tumor and accepts the agreed treatment in the hospital, he can get 30% of the insured amount every year, with a maximum payment of 3 years.
5. Underwriting is relatively loose.
Support intelligent underwriting and manual underwriting, and underwriting is relatively loose. For example, thyroid nodules, breast nodules, and hepatitis B diseases have the opportunity to be underwritten according to the standard body.
The above are the highlights of the Max version of health insurance. Does it look familiar? Yes, except for critical illness protection, all other highlights, Guardian 3, can be done.
If you think that the amount of compensation for critical illness of Guardian 3 is not high enough, then you can choose multiple Max versions of health insurance.
However, it should be noted that after the addition of additional insurance for serious illness, the premium prices of multiple Max versions of health insurance will also rise, such as:
30-year-old male, with insurance coverage of 500,000 yuan, lifetime guarantee, 30-year payment, and additional compensation for serious illness:
Insure Guardian No.3 with an annual premium of 6,420 yuan; And if he has insured Max's health insurance for many times, the annual premium is 8048 yuan, and the premium price is about 25% higher than that of Guardian 3.
In other words, if you want to increase the compensation for serious illness, it means paying 25% more premium every year.
Moreover, it should be noted that if the insured is diagnosed as mild, the premium of health insurance 1.0 cannot be waived after payment, and most products on the market can be exempted from subsequent premiums as long as they are diagnosed as mild.
On the whole, the multi-Max version of health insurance has been upgraded, which has one more serious illness responsibility than the multi-Max version. It is normal for the premium price to rise accordingly. I suggest you take out insurance as needed.
Second, pay more than the hot-selling critical illness insurance. Let's compare the multiple Max health insurance with other multiple critical illness insurance on the market to see how the guarantee performance is.
Among these products, the serious diseases of Guardian 3 and Health Insurance Multiplex Max are not grouped, while the serious diseases of Perfect Life Guardian (Collector's Edition) and Ruyi Life Guardian (Collector's Edition) are divided into 6 groups.
Mainly introduce the following products:
defender iii
Above, as we have said, Guardian 3 is many times cheaper than the Max version of health insurance. Although the critical illness insurance is slightly inferior, the protection is still sufficient.
Among them, the insured can get the coverage of 150% when he is diagnosed with a serious illness for the first time15 before the policy, and can also get the coverage of 120% for the second serious illness.
Moreover, the protection of children's specific diseases in Guardian III is also good, and the protection of children's high incidence and serious illness is good, with a maximum compensation of 300%.
If you want serious illness without grouping or want to insure your children and pursue comprehensive protection, then you can choose Guardian 3.
It should be noted that the waiting period of Guardian 3 is 180 days. If you mind, you can choose two other products.
The Perfect Guardian of Life (Collector's Edition)
Although the critical illness protection of Perfect Life Guard (Collector's Edition) is group compensation, its grouping is reasonable, and malignant tumors are grouped separately, which improves the probability of multiple claims.
Its protection is very comprehensive, besides mild and severe diseases, it also includes multiple compensation for early cancer and double indemnity's responsibility for specific diseases of children.
Moreover, the proportion of compensation for mild and moderate diseases is high, of which the maximum insurance coverage for moderate diseases can reach 75% and that for mild diseases can reach 55%.
Critical illness compensation 100%, 120%, 140%, 160%, 180%, 200%.
If you are not satisfied with the protection of the first serious illness, you can also choose to add critical illness insurance fee (30% extra for 60 years old).
Among similar products, the Perfect Life Guard Collector's Edition is relatively cost-effective, suitable for people who pursue comprehensive protection and a high proportion of compensation for mild and moderate diseases.
However, there are strict restrictions on 5-6 occupations, and only 1-4 occupations are allowed to be insured, which is a pity.
Ruyi Life Guardian (Collector's Edition)
Ruyi Life Guard (Collector's Edition) is similar to Perfect Life Guard (Collector's Edition) in terms of critical illness protection. Serious illness is also divided into 6 groups, and the maximum compensation can be 6 times, and the compensation ratio is gradually increased from 100% to 200%.
Compared with Perfect Life Guard (collector's edition), its advantage lies in the protection of cancer in situ, and it can pay up to 3 times, which is suitable for people who pursue the protection of cancer in situ.
Moreover, there are a variety of optional responsibilities, such as extra insurance for serious illness, second/third cancer insurance, and third early cancer compensation. , which is rich in protection.
Third, the health insurance multiple Max version is suitable for who to buy According to the characteristics of the health insurance multiple Max version, it is more suitable for the following categories of people.
Note: These people are between 28 days and 45 years old and are engaged in high-risk occupations.
The insurance of this product does not restrict occupations, that is, people engaged in high-risk occupations can also be insured.
2. People who pursue high insurance.
The multiple Max version of health insurance pays a relatively high proportion, and the serious illness can be paid twice. In the previous 15 policy year and before the age of 70, the serious illness will pay an additional 50% of the basic insured amount.
If the insured meets the above two conditions at the same time because of serious illness, it is still attractive to get 200% of the basic insurance coverage.
3. Children
This product includes the responsibility of protecting children from special diseases, that is, the insured goes out of danger due to serious illness before 18 years old, and the insurance company pays 150% of the basic insurance coverage.
This kind of security responsibility can better help children resist the risk of disease and give them a strong guarantee.
Four. To sum up, the multiple Max version of Kunlun health insurance is more comprehensive, and it has an optional responsibility for extra cancer compensation than Guardian III.
If someone is not satisfied with the payment for critical illness protection of Guardian III, they can choose the multiple Max version of health insurance.
If you feel that the upgraded critical illness protection is unnecessary, it is recommended to choose Guardian No.3 with cheaper premium.
If it is too expensive to pay the critical illness insurance premium for many times, the small partners with limited budget can choose to pay the critical illness insurance at one time. For details, please click:
In-depth analysis of single payment critical illness insurance list in 2020
: 1 1 month, I recommend the critical illness insurance.