Secondly, regarding critical illness insurance and accident insurance, we can divide products into consumption type and return type according to whether they are returned on time.
Finally, I don't know which product of Taikang Life Insurance you are referring to. Taikang Life Insurance, as one of the "old five families" in China, has many critical illness insurance and accident insurance products. Different products of the same company differ greatly in product form and price. So there's no way to tell you whether it's a consumption type or a return type.
If you are interested in major diseases and accident insurance of Taikang Life Insurance, the focus should be on whether their coverage meets your needs and whether the premium is within your budget. Taking critical illness insurance as an example, Shen Lanjun tells you a comparative idea, hoping to help you choose products.
I. Taikang Consumer Critical Illness Insurance Deep Blue Jun has summarized seven consumer critical illness insurances with high cost performance by combing the more popular Taikang products on the market. The following table is a summary, in which a returned critical illness insurance is added as a comparison:
Summary:
The most cost-effective is Taikang's health care version, which is guaranteed for one week. The price is competitive, and you can get an extra 50% compensation for serious illness or death in the first ten years, which strengthens the guarantee.
The most comprehensive protection is the health of Taikang Life Insurance. In addition to the protection of mild and severe diseases, it can also protect two special diseases. But the price is a little more expensive.
The budget is limited, you can choose one-year micro-medical insurance for critical illness insurance, and you can get hundreds of thousands of protection for a few hundred dollars a year, but there is a risk of renewal, so it is only recommended as a choice in the case of short-term budget shortage. If the budget is sufficient, long-term critical illness insurance should be configured.
It is not difficult to see from this table that the returned critical illness insurance is much more expensive than the consumer critical illness insurance, and the protection is slightly insufficient compared with other consumer products. Shen Lanjun has not advised ordinary wage earners to buy return insurance. One of the reasons is that the premium is expensive, the security is average and the cost performance is low.
At the same time, we should understand the essence of return insurance: we pay a lot of premiums, and then the insurance company takes them to manage money, and then returns some of them to us decades later, with low returns.
Second, Taikang returns the critical illness insurance, but many friends still like this kind of critical illness insurance, which is "treating diseases and returning to the basics without diseases". Shen Lanjun also concluded:
If you like returning goods very much, you can consider Kang Hu for life. Compared with other Taikang products, the guarantee and price are more advantageous, but it is still very expensive.
Third, the focus of accident insurance selection: after talking about critical illness insurance, let's talk about accident insurance. The protection of critical illness insurance is relatively complicated, and accident insurance is relatively simple. Shen Lanjun provided some ideas and key points here:
Select the focus 1. Accident insurance coverage
For general family support, it is recommended to rate accident insurance at 300- 1 10,000. Too low insurance coverage can't resist the risk. At the same time, see clearly how much each item is insured. Many friends reacted with Shen Lanjun. When they bought it, they thought it was 1 ten thousand. As a result, they only lost 1 ten thousand. I feel that accident insurance is too pit.
In fact, it's not that the product is too bad, but that we didn't see the terms and guarantees clearly when we bought it. Many products only provide compensation of 6,543,800 yuan for specific accidents, such as airplane accidents, subway accidents, bus accidents, and self-driving accidents. And only pay 6.5438+0 million for the accidental risks that we are more likely to encounter, such as being hit by a car while walking and falling objects at high altitude, so when we buy products,
Select focus 2. Accidental disability
Accidental disability protection responsibility is unique to accident insurance, and other insurances have no alternative function, so it is also the focus of our choice. Take the accident insurance with the insured amount of 6,543.8+0,000 as an example, and the example of compensation is as follows:
Different compensation can be obtained according to different levels of disability. When choosing accident insurance, we should pay attention to whether disability protection is included and whether the amount of disability protection is the same as that of death. Some products will be discounted on the insured amount.
Select key three, return accident insurance
Return accident insurance is much more expensive than ordinary accident insurance. We paid a lot of premiums, and then the insurance company invested and returned some of them to us decades later, and the income was not high.
Shen Lanjun suggested that ordinary families should not consider returning accident insurance and buy one-year accident insurance directly, which is not only better, but also cheaper.
Choose the key four, accidental medical treatment
Accidental medical care can pay attention to whether the scope of reimbursement is limited to social security. Accidental medical reimbursement is best not limited to social security.
Shen Lanjun suggested focusing on the coverage of accident insurance, and accidental medical treatment was not the focus of attention. The purchase can only be reimbursed for accident insurance within the scope of social security, and it is good to ensure a high insurance amount.
Fourth, written at the end, Shen Lanjun summarized and explained the choice of Taikang's critical illness insurance and accident insurance here, but only provided an idea for your reference. In fact, if it is not Taikang brand, there are many other cost-effective products to choose from. You can compare it more. Deep Blue Insurance has also done a lot of evaluation articles and comprehensive analysis on critical illness insurance and accident insurance, and interested friends can have a look. I hope you can choose the product that suits you. If you have any questions, please leave a message. Thank you.