Recently, one new product after another has been listed, all of which are products under the new definition. Among them, Evergrande Life launched Permanent Health 202 1 with up to six payments, which attracted wide attention!
Generally speaking, most of the seriously ill products that have been paid for many times are paid by groups. The high claim rate without grouping claims is very risky for insurance companies, which is also the most common reason for paying twice in critical illness insurance, and three times is too much. I didn't expect permanent health 202 1 to be compensated for six times in the second time without grouping.
First, the safety content analysis of permanent health in version 202 1.
Permanent health 202 1 serious illness paid 6 times, without grouping, and the payment intensity increased in turn.
In the protection of mild and moderate diseases, the 20021version of Permanent Health is also set to not pay multiple payments in groups. The compensation is still relatively high. Unlimited compensation for malignant tumor, artificial lung care insurance protection is also the feature of permanent health 202 1 version. From the security point of view, the security of Permanent Health 202 1 is still very good.
Let's take a look at the advantages of permanent health 202 1:
1. Pay 6 times for serious illness without grouping.
Eternal Health 202 1 can pay for 6 serious diseases without grouping, and it belongs to the product with more compensation among similar products. Moreover, the compensation amount of Hengjiu Health 202 1 is increasing, the first two payments are subject to the insured amount, and the compensation after the second serious illness is increased by 10%.
2. Ensure the content is complete, covering moderate and mild diseases.
Permanent health insurance 202 1 is in place, including mild and moderate diseases, and there is no form of grouping multiple compensation. In terms of high incidence and mild diseases, Permanent Health 202 1 contains a wide range of diseases. Long-lasting health 202 1 and cancer in situ guarantee, which is also one of its highlights.
3. Artificial lung can be additionally compensated.
In fact, the critical illness insurance has included lung diseases, and Permanent Health 202 1 can also pay extra for "artificial lung". If the insured needs to use artificial lungs and is diagnosed by a specialist, then the patient can get 60% of the basic insurance coverage.
The benefits of permanent health 202 1 are not limited to these. See here for details: Permanent Health 202 1 Is it really that good? Tell you the truth in one article! 》
After reading the advantages of Eternal Health 202 1, let's talk about the disadvantages of Eternal Health 202 1:
The second compensation for cancer is strict.
Permanent Health 202 1 requires a long interval between two diseases-five years, while other good critical illness insurance only needs three years.
In addition, the malignant tumor re-diagnosed after an interval of 5 years cannot be a recurrence of the old disease, but must be a new malignant tumor, or the disease metastasis of the previously diagnosed malignant tumor after satisfying the clinical complete remission, and the insurance company will pay the insurance money. Therefore, in this place, the role of secondary compensation for cancer is very limited, and the senior sister feels that there is still much room for improvement.
So some friends will think that the second compensation for cancer is really that important? The length is long, and the senior sister put what is cancer compensation in this article. Remember to take a look: Is it really necessary to add the second compensation for cancer? An analysis!
Second, permanent health 202 1 is it worth recommending?
Generally speaking, Evergrande Health 202 1 is still worth buying. Evergrande Health 202 1 has obvious advantages, and the basic guarantee is sincere, including the amount of compensation for death, covering mild illness and high incidence of cancer in situ.
Evergrande Health 202 1 The number of claims for critical illness is very high, with 6 times, and there is no grouping. Compared with similar products, it still has certain advantages. In addition, Evergrande Health 202 1 also added artificial lung protection in a very humanized way, and the lung protection was more adequate. If you really care about "lung function protection" and "multiple compensation for critical illness", you can take out insurance ~ If you pursue critical illness insurance with higher cost performance, you can refer to critical illness insurance in other markets.
After a long period of information collection, the senior student was finally able to sort out the comparison table of more than 100 products: heavy | 136 critical illness insurance products.
Write it at the end
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