On the strength contest between Taikang Life Insurance and He Zhong Life Insurance, the predecessors have already made a comparative analysis. Like friends can take a look at first:
"No way! Taikang life PK union life, who would have thought that the ending was actually like this! 》
Today, Senior Sister will compare Taikang Life Insurance and He Zhong Life Insurance, and see which of the critical illness insurance products is better.
1. Taikang Life Insurance VS He Zhong Life Insurance, who is better for critical illness insurance?
I chose two relatively good critical illness insurances. Let's take a look at their comparison chart first:
Let's analyze their advantages and disadvantages:
1, payment period
Enjoy health 202 1 the longest payment period is 30 years, and He Zhong 1 No.2021is 20 years. We can find that Enjoy Health 202 1 is more powerful.
There are two payment methods for critical illness insurance: batch payment (one-time payment) or regular payment (continuous payment for xx years).
If the current situation is to choose installment payment, but the longer the set payment period, the less premium should be paid each year.
If you enjoy health 202 1, the total premium is 6,543,800 yuan. If you choose to pay for 20 years, you have to pay 5000 yuan a year. If you pay for 30 years, you only need to pay about 3000 yuan a year.
There are many people who are suitable for paying, but not everyone is suitable. I don't know which payment cycle suits me best. This article is worth reading:
"How to choose the payment period so as not to lose money? 》
2. Waiting period
The insurance company will not provide compensation unless it is caused by unexpected circumstances during the waiting period, which means that the shorter the waiting period, the less we suffer.
Looking at the comparison chart carefully, we can see that the waiting time of Lexiang Health 202 1 is six months, and that of He Zhong 202 1 is 90 days. The waiting time of the latter is obviously shorter, while the time for providing protection is obviously much longer.
3. Guarantee content
There is not much difference between the two products in the protection of serious illness and minor illness. The only difference is the protection of Chinese diseases.
As we all know, China Banking and Insurance Regulatory Commission, China has stipulated 28 diseases that must be paid attention to. For these 28 kinds of serious diseases, more than 90% have been paid. Although the insured has been diagnosed with a serious illness, it is not all advanced, but it is estimated to be early, such as early gastric cancer. Simple excision can cure the disease.
In order to cater to the public and improve the protection and compensation probability of the insured, the critical illness insurance in the market will have corresponding minor illness protection. He Zhong 202 1 has no additional median disease protection, which is a fatal defect.
The above is the basic content analysis of the two products, and the choice of these two products is also a tangled problem?
Second, suggestions for critical illness insurance
To sum up, the disadvantage of Lexiang Health 202 1 is that the waiting time is too long, and only adults can take out insurance. On the contrary, No.1 Middle School can support minors to apply for insurance, and the observation period is short. But there is no guarantee for China's disease.
If you are concerned about the security content, it is recommended to learn from Lexiang Health 202 1. If we pay more attention to the guarantee time and the proportion of compensation, we might as well choose He Zhong 1 No.2021.
However, the senior sister of the two products suggested not to buy them. Because of the low cost performance, they have neither extra compensation nor low proportion compensation, and there is no secondary compensation for high-incidence diseases.
If there is a demand for critical illness insurance, it is recommended to compare more. Versailles 1, Conway flagship version 2.0, and Darwin's 5th edition are more suitable choices. The above products are excellent in all aspects.
I also collected information about critical illness insurance in detail and made a comparison table, which contains 136 critical illness insurance products that are currently selling well in China. Click the link below to get a free report form:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
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