First, whether to buy a century-old Kanghuibao or live a happy life depends first on whether the conditions are hard or not.
When choosing insurance products, there will always be heartbreaking moments. For example, when I saw a product with the lowest price in history, the guarantee was very good. I went to the product page to buy insurance just like winning the prize, but found that I couldn't buy it in my city ... Is there a kind of sadness at this time?
Therefore, before looking at product guarantee and price, it is recommended to look at "hard conditions" first.
1, age: you can't guarantee your age under any circumstances. If you want to choose critical illness insurance for your 52-year-old parents, you should resolutely choose to continue to see Centennial Wellcome Insurance after knowing the insurance age of Centennial Wellcome Insurance and Recreation Life C.
2. Insurance area: The cities where online insurance products can be insured are closely related to the branches established by insurance companies. Only cities with branches can be insured. Like the two products in the table, the guarantee is very good, but Centennial Kanghuibao can cover more cities.
Second, choose according to the more important product guarantee.
After the screening of "hard conditions" such as age and insurance area, these two products can still be selected, and then you can choose according to the product protection that you value more.
1, product A has it, and product B does not.
If the guarantee contained in product A is very important, of course, choose product A, such as:
(1) If you only want to choose critical illness protection → recommend Centennial Kanghuibao.
Centennial Kanghuibao may not choose mild illness protection. In this case, the price of Centennial Kanghuibao is basically the lowest among similar products.
(2) If you want death protection → suggest Le Kang for life B.
The biggest difference between Lekang Yisheng B and C is that there is an extra death protection. So I hope that friends with this guarantee may not be able to meet your needs.
(3) Husband and wife vote for each other, and parents insure their children → suggest Fosun to join Le Kang Lifelong C.
If both husband and wife have plans to buy critical illness insurance, or parents want to insure their children, it is recommended to choose Le Kang Lifelong C. If one party suffers from minor illness or serious illness, the remaining premium of the other party's policy will not be paid, and the guarantee will continue. This function takes into account the economic difficulties caused by family members' illness, and fully embodies the humanistic care of this product.
2. The product contains content and compares details.
(1) Maximum insured amount limit
As can be seen from the table, children under 5 years old can use Centennial Kanghuibao to insure 500,000 yuan. 4 1-45 years old, the insurable amount of Lekang Yisheng C is 400,000 higher, and the maximum insured amount of Centennial Kanghuibao is only 300,000.
In addition to the limitation of maximum coverage, the design of coverage is also different. For example, there are five options for the coverage of Centennial Wellcome Insurance, which are 6.5438+10,000/200,000/300,000/400,000/500,000, and the C section of Recreation Life is more detailed, which is 50,000/6.5438+05,000/200,000/250,000.
In this way, you can choose products according to the amount you want to insure.
(2) Health notification
Health notification is an important part of health insurance. Some products seem to be guaranteed at the same price, but the strictness of health notification is quite different.
Compared with Centennial Kanghuibao, Le Kang asked more questions in Item C for life, such as whether to participate in dangerous sports or competitions, whether to live abroad for more than five months, and whether his immediate family members suffered from certain diseases. ...
Centennial Kanghuibao has requirements on body mass index, and body mass index = weight (kg)÷ height 2 (m) ≥ 28 needs to be informed, especially for children under 2 years old. Abnormal conditions such as premature delivery, dystocia, birth injury and asphyxia, as well as some congenital diseases and hereditary diseases need to be informed.
When the health notification fails, you can manually underwrite Centennial Kanghuibao and Intelligent Underwriting Lekang Yisheng C. Let's see if the underwriting results of several common diseases are different.
It can be seen that the underwriting process of Centennial Kanghuibao is relatively strict. For friends with past diseases, a manual underwriting or intelligent underwriting before choosing a product can help you choose a product that is more suitable for you.
(3) Health care services
Usually, when we choose from a large number of products, we generally don't take health service as a factor to decide which product to choose, but when the comprehensive cost performance of the two products is equivalent, we can consider health service.
Centennial Kang Huibao:
Proton heavy ion appointment arrangement: Proton heavy ion technology is an internationally recognized cutting-edge radiotherapy technology for treating tumors. Due to technical and price factors, it is only developed in a few countries such as Germany, Japan and the United States, and there are only dozens of particle devices used for medical purposes in the world. Currently, Shanghai Proton Heavy Ion Hospital can provide this service.
Entertainment life c:
As long as you buy Recreation Life C, you can join the "Health Star" member club for free, and you can also invite up to two family members to join together.
Members' exclusive services include free health consultation, free health electronic files, global customized health screening, exclusive direct access to expert clinics, online drug purchase discounts, free medical shuttle bus, one-stop study abroad consultation, Osborne Centennial Winery imported red wine discounts, American high fashion St. John VIP and so on. Specific to the "Health Star" member service manual shall prevail.
If the insured amount is more than 300,000 yuan, Recreation Life C can enjoy the following additional services:
Overseas treatment services include overseas medical consultation, medical translation, overseas medical resources and expert recommendation contact, medical visa processing, overseas affairs coordination and other services, and enjoy overseas medical preferential prices.
Judging from the contents of health services, Centennial Wellcome Insurance covers more contents, among which proton heavy ion appointment arrangement is a special service. However, a detailed comparison shows that the health service of Centennial Kanghuibao is more detailed according to the insured amount. For example, overseas medical treatment arrangements need more than 654.38+00,000 yuan to enjoy, and off-site referral subsidies need more than 600,000 yuan to enjoy. (At present, the maximum amount of online insurance for Kanghuibao is 500,000, so many health services cannot be enjoyed. )
(4) nuances of terminology
Many times, although critical illness insurance products protect the same disease, the definition of this disease is different in terms.
After comparing the terms of Centennial Kanghuibao and Lekang Yisheng C, we found a small but important difference.
Centennial Kanghuibao states in the clause: Centennial Life shall not be liable for insurance under any of the following circumstances: Article 2: The insured suffers from diseases, symptoms or pathological changes during the waiting period and continues after the waiting period, and is first diagnosed as suffering from one or more major diseases agreed in this contract by a hospital recognized by Centennial Life.
In other words, if the disease is diagnosed during the waiting period, it will turn into a serious illness after the waiting period, and Centennial Life will not pay.
However, there is no such explanation in Le Kang's life. As long as the diagnosis is made after the waiting period, the serious illness guaranteed by the contract will be paid.
The disease was discovered during the waiting period and turned into a serious illness after the waiting period. From the perspective of big data, the probability is not great, but for individuals in danger, it is 100% risk.
In addition to the "hard conditions" mentioned in the article, products that cannot be insured can be excluded in minutes, and other guarantees need to be based on their own conditions and their actual budgets and needs.
I hope the above answers can help you!