In general, it is impossible to return books after 19, so it is not recommended to return books after 19. Take Taikang Hui Health 2020 as an example. A 30-year-old man bought 300,000 insurance, 19 began to pay. A * * You need to pay 172 140 yuan, but if you surrender at the age of 49, you can only return 1 1865438 yuan.
Taikang insurance has a strong momentum in recent years. The newly launched Taikang Hui Health Critical Illness Insurance provides the insured with 120 kinds of critical illness insurance, 60 kinds of minor illness insurance (no grouping, the maximum compensation is 5 times), and death/high disability/terminal illness insurance money. The insured is exempt from follow-up premium for minor illness, which is suitable for people who have no serious illness insurance at present.
First, the advantages of Taikang Hui
1. Wide protection range and seven-fold protection.
Taikang Hui health critical illness insurance includes seven aspects: minor illness protection, minor illness exemption, serious illness protection, specific illness protection, high disability protection, terminal illness protection and death protection. It can be said that the scope of protection is comprehensive, covering most of the possibilities and ensuring the basic needs of the insured.
2. guarantee a variety of diseases.
Taikang Hui Health Critical Illness Insurance provides the insured with 60 kinds of mild illness protection, 120 kinds of critical illness protection and 2 kinds of specific disease protection (major organ transplantation or hematopoietic stem cell transplantation). Among them, critical illness insurance is the most important. It is conceivable that 120 critical illness insurance covers almost all common major diseases, which should attract you who want to buy critical illness insurance.
3. Mild illness should be guaranteed by reasonable concessions.
Taikanghui health critical illness insurance is more scientific and reasonable than similar insurance products in minor illness protection. Although you are not responsible for minor illnesses during the waiting period, it does not affect the validity of the contract and the contract continues to be valid. In addition, after the waiting period is over, if the insured suffers from mild illness as agreed in the contract after the first visit by the hospital and specialist, the insurance company will waive the insurance premium for each period after the diagnosis of mild illness.
Second, shortcomings.
1. Taikanghui health critical illness insurance, as a comprehensive critical illness insurance, has no protection for China's diseases, but the waiting period is 180 days, which is a bit long, which is not conducive to the insured.
2. During the payment period, there are only two ways: 19 payment and 29 payment, which do not cover short-term and medium-term, and the methods are relatively simple and inflexible.